<p>Listen, I am not that bright, I am still confused here, AM I supposed to be paying income taxes on this $6,000 I am getting back this year --ON next years taxes or something?? Yes, I know it is not that bright to do what we do, but personally, not sure where to invest--might not have the discipline & having done it this way for years has helped us pay off our house VERY early-always slapping that big sum onto the mortgage when it came, to us, it was like a savings plan and we made ourselves live within what we got each week (knowing it could be more, but feeling good that we could live on it just fine). Now we have no debt. Why would I have to count this as income if It was already counted (when I didn't get it -letting the governement use it???). I am really confused now, I never put what we got back into the next years Taxable income? I never heard of that? I must be missing what you are all trying to tell me here???</p>