Monday is Tax Day, and we can expect a lot of confusion over refund size because of tax cuts. The common narrative by Democrats is the tax cuts benefited the rich at the expense of the middle class. But that’s incorrect, and we encourage you to spread the good news.

Here are two important things to remember when talking taxes and tax returns in 2019:

#1 — Refunds = Interest-Free Loan

Let’s not misunderstand what’s happening when you receive a refund from the government. The government is not giving you money, the government is returning your money. The money you receive in a tax refund is your money, but you’ve allowed the government to hold it interest free over the past year.

#2 — Check Your Paycheck

According to Money.com, smaller refunds are likely a result of larger paychecks — “In other words: ‘You’ve been receiving the tax cuts every two weeks’ for the past year.’” This is actually very good news given point #1. Because employers had to change how much money they withhold from employees under the new tax law, you get to keep more of your money throughout the year RATHER THAN having it returned to you via a lump sum during tax season.

Critics are likely to point to smaller refunds as proof that the tax cuts only benefited the wealthy, so use these two talking points to expose their false narrative.