Ribs,
I am like you. I get a LOT back as well. But I have mine deposited directly into my bank account. From time it is filed until refund is deposited is about ten days max.
I file by first week of February because I have all my info and my CPA gets on my stuff immediately.
I have debated whether or not to withhold less tax money and keep it but you know what happens if yo do that.
YOU find all kind of things to blow it on instead if saving it....
Besides, miz micro likes to decide what to spend it on.... you know how that goes....