<prompt> Human: So I graduated from University last week, yay! And I already have a job, more yay! But I have a lot of debt, both from school loans and personal reasons, mostly a little behind bills because I had to take some time off for the last few months of school so I could graduate almost failed a few classes. So I was wondering, when it comes to the financial forms when you start a job, whats the best way to get the least amount taken out of my paychecks, but also ensure I dont end up paying the IRS when it comes time for tax season? Ive done this only 3-4 times in the past and no one has ever really explained it to me. Both my parents have pretty much never made this much money, and my dad cant really explain it all that well, and my mother passed away in August. So Ive not really had any good financial advice in the past. The job is a state job that pays around 45-50k a year and will have raises every other month, from what I hear. Any advice is welcomed!  <response>: Use the IRS Withholding Calculator and check out Personal Finance Resources for New Graduates, 2016 edition 