<prompt> Human: For example: Say you make 100k a year. Assume that you were withholding 1 on your W-4. By my approximations that would be around 15k. What if instead you invested that and chose a withholding of like 5? Depending on the method of investment you would be essentially lowering your tax liability. Putting it into a 401k would probably be best. I assume the amount of money you gain from other methods like just throwing it in a bank account would not net you a lot of money at 2 APR compounded monthly thats only like 138. Am I wrong in this assumption that taking as many withholding deductions as possible would net you more income? Or is it usually because the work involved doesnt justify the small gain you would get? It seems like this becomes more lucrative the higher your salary is.Assistant: The IRS is wise to your tactics and have a plan for dealing with it. People who dont withhold enough throughout the year will get hit with an underwithholding penalty, even if they settle up what they owe at tax time.Human: So the government can penalize for underwithholding during the year, but I cant penalize the government for overwithholding. That doesnt seem fair.  <response>: The government is not overwithholding or underwithholding. You are.You are the one who fills in the box with number of dependents. 