<prompt> Human: So Ive been filing as 0 for the last few years and Ive been reading that its better to get closer to 0 when its closer to tax time. Ive always gotten a refund 2-3k yearly. My salary is 87k, 401K, HSA, bi-weekly paycheck, take home 2300. Should I claim something other than 0 this year?  <response>: Ive been reading that its better to get closer to 0 when its closer to tax timeA 0 refund and 0 additional owed is certainly the ideal for most people, but its also important to think about what youre going to do with that money. If each week youre just going to say sweet, more money, Im going shopping, then it may be better to get it back as a refund and do something smart with it. But if youre going to save those extra few bucks per paycheck, then yeah, balancing it to get 0 back is ideal. 