<prompt> Human: I got a pretty hefty tax return this year and a friend pointed out that I was giving the government an interest free loan by not adjusting my W-4 allowances to reflect my situation. The IRS even has a calculator you can use to figure out what your allowances should be:I gave myself a 100 a pay period raise and I should still get a very small refund next year.  <response>: This isnt paying less taxes or giving yourself a raise, this is overpaying less in taxes. Theyre different things. 