One way to mitigate your "loss" might be to adjust your withholdings, if you got a big tax refund last year. Easy to do and as long as you have as much withheld as you paid the previous year, there's no risk of penalty. Sure, it's possible you could end up owing a little bit, but that's what savings are for. Better to keep as much money in your control than give the government an interest-free loan. Congratulations!