[LeeH]

I sometimes question the conventional wisdom that having too much money withheld from a paycheck is a bad thing. If you consider the current interest rate on savings and the fact that most people tend to spend a high percentage of their available cash, it seems like using the Federal Gov't like a bank where you have a non-interest bearing/invisible savings account that only allows annual withdrawals could work to the advantage of some people.

If you give most people a couple of hundred extra dollars each month, they'd probably spend it. If you give them $3000 in April, seems like there's some chance they may take that lump sum and invest it. Thoughts?