Good news we don't owe. Bad news..I can't make them take any less out of the check! I hear tons of folk who manage the federal withholding down to 100 or so one way or the other, but we cannot make them take less. Increasing the number of dependents doesn't help...the take nothing out of regular checks (for federal, trust me they still take medicare, and SS)

It is the OT checks they take tons out of..I guess they figure if we have over time we have more than we need...which is technically true, we don't need most of what we do...super hot showers, two phones, and plenty more. However the lovely tax system allows plenty of deductions for giving, kids, and just plain being below average income. So they give it all back. (mostly)

Oh well, could be worse...they could decide we don't deserve it .