<prompt> Human: Basically just what it says. An employee of mine is asking if she should change her withholding and try to make some money throughout the year by putting the extra into her investment portfolio. She would have no problem paying any accumulated tax in April, but I am wondering what the downsides to this might be?EDIT: Thanks Everyone who commented. I appreciate all the advice and will use this subreddit in the future.  <response>: under-withholding too much and getting an penalty from the IRS. 