<prompt> Human: Year after year I look forward to my tax refund - it mostly goes to savings but Im able to buy some wants with it as well. Ive read more and more into the giving the govt a free loan if you claim 0 which didnt sit well with me. I decided to change my withholding to 1 for todays paycheck and received an extra 129 which means Ill be adding 258 a month to my take home. Which will now be invested as I upped my contributions to 401K. Giving this money to the govt isnt worth it! Your tax refund isnt worth it - lets be honest youre probably blowing all that money within a month anyways : If moneys tight... this is a great way to add dollars of course how much is all relative to your take home and if you dont NEED the dollars its a great way to invest more money. Happy Friday!  <response>: I like having my taxes taken out so that my lifestyle is adjusted to a lower take home pay. 