<prompt> Human: Im married and my wife has student loan debt that we have been unable to pay on, but she got it deferred, or itss in default, Im not 100 sure. What I do know is that the government takes our complete tax refund to cover the yearly interest on her loans. In the past, I could file an injured spouse and get the money back, but now we live in a state where I would only get half. Yes, we plan on making payments to her loans at some point but she isnt able to work currently and I am having trouble keeping up on our other debts. Im sick of this so Im trying to resolve it.nbsp;So right now we have two kids and Ive filled out my W2 as accurate as I can so that no more than necessary comes out of my paycheck for taxes. But I have this feeling that Im still going to end up with a potential refund which I know will be taken by the govt. So my thought was, what if I set up a separate account I forget the term so that all my taxes that come out of my paycheck go there, and then at the end of the year, I can pull from that to pay for my taxes that I owe, and then whatever is left, is essentially my refund.nbsp;Is this a common thing to do? Obviously I would not touch the money in this account as its for taxes only.  <response>: No. You should not do this. You can only be exempt from withholding for specific reasons, and not wanting to pay your bills isnt one of them. Plus you are required to pay taxes throughout the year and if you dont youll get fined. 