<prompt> Human: Im not super familiar with W-4 and how taxes work unfortunately. I am fairly fiscally responsible, saving for retirement via 401k and IRA. My revolving debt to credit ratio is low around 5, and I only have 1 auto loan and a mortgage right now. But tax things confuse me for some reason. I just switched careers and I need to setup my new W-4 yay! s. My main question is: Do I have to claim all the allowance that I qualify for, or can I claim less to receive a larger tax refund?  <response>: You can always claim fewer allowances. You can also accomplish the same thing by claiming the correct amount and then putting a number in the additional withholding box.A barrage of commenters are going to tell you thats a bad idea because youre giving the government a free loan. I agree with them, but its your money so its not my place to judge, do whatever you feel comfortable with. 