I find it weird that H&R Block and similar are always talking about getting “your maximum tax refund”.

It’s minimum tax paid for the year that matters. If they were advising their clients well then next year there wouldn’t be any refund due at all. No one wants a refund! They want to owe the maximum they can, assuming a fixed obligation, that doesn’t incur penalty and interest in excess of their opportunity benefit from a delayed payment.

I mean, it’s a lot of words. But why don’t they say they reduce taxes, instead of increase refund? It’s seems odd to rub people’s faces in the thing that represents a screw-up, especially when a delayed payment is worth 4%-6% gross per year at low risk.