<prompt> Human: Im sure Im not the first person to have thought about this, but I havent seen it discussed at all.Other than potential self control issues, is there a good reason to not go exempt year around and put 35 or whatever your tax rate is in a savings account of some sort each pay check, then come February next year pull out the money and send the IRS the check?Seems better to make a little interest off the money instead of giving the government a interest free loan.Just a thought I had at work today and am trying to figure out what the negatives would be.  <response>: Youll pay a hefty amount when it comes to penalties. 