Just to be clear my statement was meant to be over the course of my lifetime and even averaging it including this year and last the average would be well over 3%. I am also not implying that I deposit my withholding monthly, but more that keeping everything I can allows be to do what I want with my general pool of money. Currently I am getting 1.4% which sucks, but it is 1.4% more than I get if I send it in as withholding each month.
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ttttttttttttttttttttt sorry guys