It is best to just break even when it comes to taxes....not owing/ not getting refund. Giving the government your money interest free through the year to get a refund makes bad business sense. Stashing that extra even in a savings account over the years would add up & then could be transferred to a higher interest bearing account when high enough & keep putting the extra money into an almost untouchable account & you would come out much farther ahead in the long run.

I don't pay, I don't receive but when I did, my break even worked & would have worked better if my H hadn't been so financially irresponsible. I had my accounting BS degree so I usually won the battles.