tax write off would not equal 100% refund, depending on tax bracket. Say if you don't earn much in a year and falls in 10% tax bracket, then with that tax bracket, spent 80 dollars for terp as tax write off only saves you just 8 dollars on tax liablity, still have to shell out 72 dollars out of pocket ANYWAY. If one falls under 20% tax bracket then one will save 16 dollars on tax, yet shells out $64 dollars for terp.
One would be truly idiot to depend on the idea of "tax write offs" to save money and spend more unnecessarily. I would respect those who really need the service and pay for it and pay little less on taxes would be ok.
I would think differently if they are tax credits. So don't be fooled between tax write off and credits, they are huge difference in between. In other words, tax credits benefit the most while write off only writes off little taxes.
