Cynthetiq

You are taking the deduction right up front, and not letting the government withhold the maximum amount of withholding.

I fill out 0 at the higher single rate instead of married, which as I explained in the other thread, I'd rather get the money as a lump sum at the end of the year. The "smarter" (no umbrage meant to them, I just don't have their discipline) folks suggest that you take your claim as 2 and save about $20-$40 per pay period and you should wind up with a few thousand dollars at the end of the year.

Ask your sister what she files, she more than likely files 0.

Again, I'd be more inclined to spend the $20-$40 on crap. But when I get a large lump sum, I'm more inclined to spend a portion of it, and then bank the rest.

If I was to select 2 as my withholding rate, I'd take home a larger paycheck and get a smaller refund at the end of the year.

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