Quote:
Giving your money to the government for them to hold until that day is your choice- and a poor investment.

That's correct if you are an independent contractor, but if you work for any company, they are required by law to withold taxes from your paycheck. They only way you can control how much they withold is to change the number of dependents you claim to skew the tax bracket. That said, I have no idea about the legality of doing so. I've never needed to bother.

Also, I believe that even if you are an independent contractor, you can be penalized for not making quarterly estimated tax payments.
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~ John