In reply to:

---

I explicitly have them withhold way more than is necessary

---

Just remember when you do that you are giving the beaurocrats in Washington an interest free loan for 12 months. You could take that same money and put it in an interest bearing account instead.

Something to consider for the future: I always declare exempt and pay every year. If employers did not withhold, I imagine a lot more people would be up in arms over income taxes. Even though USA taxes are very low compared to other nations that doesn't make it right. Taxes are necessary but they have gone too far in many cases.

Tom