<prompt> Human: I owe roughly 14k on 3 different credit cards. I pay roughly 14k a year in federal taxes.If I file exempt throughout the year, I could theoretically pay off my credit cards, saving me interest money.That amount saved would be much more than the interest and penalties I would have to pay the IRS on a repayment plan.Why is this a stupid idea?  <response>: Youll be committing perjury by saying youre exempt. Youre not exempt. Pay your taxes, get on a budget, and pay off the credit cards normally. 