This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Rachel Cruz.

Y'all found out that there's labor shortages out there, right?

Y'all found out that there's disruption in supply chains, right?

Y'all found out that the IRS went completely bonkers and just quit working all together

during the pandemic like for two years, right?

So here's the deal.

Weird tax seasons for the last couple of years, you bet.

The IRS at this moment is sitting on 20 million tax returns that are unprocessed.

So you used to file your taxes and, you know, like a couple days later, you would get a refund.

Some of you have been waiting on a refund for as much as 10 months now.

Yeah.

So your little refund program is not working for you.

Which brings us to the subject that refunds are not free money. They're not a gift from Washington, D.C.

I know Santa Claus personally, I'm old. He does not live in D.C. He lives in the North Pole.

You are not getting a gift from your government when you get a refund.

It is you have paid in too much.

And there's a lot of money going in, Rachel.

A lot.

Well, 75% of taxpayers got a refund on average of $2,800.

So, yeah, when you get almost a $3,000 check in the mail,

it's like, ooh, that's fun. Like, you know what I mean? Like there's obviously is a reaction that

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