this post was submitted on 29 Oct 2024
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When I was in my early 20s there were a few personal finance things like this I didn't understand. Here are a couple examples:
But I grew up and learned these things in my 20s and didn't carry those mistakes into later adulthood.
How dare you learn and grow as a person over time through experiences. /s
Real talk though, good for you. "I was wrong" is never said by way too many people these days. Admitting to having been wrong is the first step to learning what's right.
I don't understand why people have such an aversion to saying they were wrong on something. There's no complete instruction book on life we're given when we're born. There's no perfect recall of everything we've every been taught, and certainly no perfect knowledge of what we were taught growing up.
We keep learning new things until the day we die. That means for a big portion of our lives we're ignorant or incorrect on any number of topics. I see it as a sign of confidence, not weakness, to say "I was wrong". It means I'm not so shallow that my identity is threatened if new information comes to light.
Because they're used to writing people off or allowing them to become collateral damage for a single mistake.
I do wish I had a way to opt out of any withholding for bonus pay, I'd rather have the money now and risk having to pay a bit when I file taxes vs not having the money and getting a refund a year later when it's worth less.
My guess is the rule for greater withholding went in because of this idea. The majority of people would prefer to risk it, and the majority of people end up short at tax time.