This is due to the chat we had yesterday. Some people just float by with a Single and 0 dependents on their #W-4. Stop doing it today if you don't need a tax return. Maybe their is a lien on your tax return and every year you are putting wasted money in Uncle Sam's pockets just to find out someone took it after filing. That fucking sucks! When I got my real first job I was told by those a few years more experienced than myself to immediately go change my withholdings from single and 0, to single and 1. I saw more money in my pay and didn't owe the #IRS when I filed. Sure, there was no big $4,000 return, but there shouldn't be. Here is the IRS W-4 Withholdings page on it. Please get your information from the source and make sure you know what you are doing. If you overpay you are giving the government a tax-free loan. You might be able to increase your pay a bit by doing this so you can maximize your money. Maybe you don't mind pay extra. What if I told you that you could make the changes and use the extra money from the bump to purchase more shares in a mutual fund or start an IRA? At least you will then get something more with the market. You get no interest on your loan to Uncle Sam and this way you can grow your savings or money even if it's only $20/month. First, here is a reasonable primer on how to maximize your tax return. Here is a video on the withholdings part: I hope this tip helps you and if I missed anything please add it in a reply so we can keep the conversation going. Edit: I am not a tax professional, lawyer, or anything else. Just a dude that claims M2.