<prompt> Human: Im making 99,000 in MA and take home about 5226 every month. I filed for taxes as single, male and with no children. However I did claim 2 exemptions on my W4 1 federal, 1 state.Back in college I got huge refunds at the end of the year, but now Im very concerned that I will instead have to pay the IRS more money at end of the year. Because of this, Im considering increasing my 401k withholding. It is currently set at 6, but Im thinking of increasing it to 15 or more to offset my tax burden.Does anyone have any tips on how to minimize the amount of taxes I have to pay and hopefully get a refund? What would be the ideal 401k contribution percentage in this case? Is there a calculator that can do all this math out for me?  <response>: Max 401k to 18000 per year. Start a 529 college fund. Buy a home to itemize deductions, rent it out. Get married, have kids 