We did this too for years. And I agree that it was at least a way to have a trip fund I could not rob. However - one year I dropped the refund into our regular savings account and by the time the trip came $1000 had disappeared. THEN as the kids have grown up that refund has dropped. It was tied to having 4 kids. I just hope to get a little back this year to help out. I figure after next year we will not get anything unless I have them withhold more.