Good advice Don, but I never have figured out why so many people like to let the government use their money every month for over a year, INTEREST FREE, and then think it is so wonderful when the IRS gives them THIER OWN MONEY back after they file thier taxes. Not only that, but then many of them compound the idiocy by paying a tax preparer more money and interest to get an anticipation loan because they don't want the four to six weeks to wait to get thier money from the IRS.
Actually, it is better to arrange your deductions so that you OWE THE IRS AT THE END OF THE YEAR and then you put the differnce in your own savings account and you get the interest. Also, that way, if you should need the money for something, you can get it right away and not have to wait till the end of the year and pay for an anticipation loan.
Either way, you are right, everyone should check thier withholding so it comes out they way they want it.
Grumpy