<prompt> Human: I make about 40kyear, in my mid 20s. Starting last years Ive done my taxes on my own and since then Ive had to pay 100 each year into the fed. My old man tells me thats a good thing, and I understand what hes getting at, but it seems like all of my peers - even those who make less than me - are getting tax refunds. I have no debt, no student loans... Maybe Im doing something right, but it feels like I may have missed something.  <response>: it seems like all of my peers - even those who make less than me - are getting tax refunds.Comparing refunds is futile. Ask your peers to compare their total tax liability. In the real world, smaller is better.If you were paid 26 times in 2017, you underwithheld less than 4.00 per paycheck, which is excellent precision. 