<prompt> Human: I couldnt find much on this subject possibly because Im using the wrong search terms, but I figured Id ask.Is it legal andor worth it to ask your employer to withhold as much as possible via withholdings on a W-4 so that you can put that money away in a high interest savings account or similarly high interest, low risk account, and instead of collecting a refund come tax time, paying out the money you put it, while collecting the accrued interest?Thoughts?  <response>: I think you mean withholding the minimum not the maximum if you want to keep as much money as possible. As uaBoglehead stated, you have to careful because if you have too little withheld you could be subjected to penalties. 