Hi!
I spent a few years in the School System myself! I do sympathize with the work you must do. I ALWAYS advise that you consider your 401K or 403B FIRST. The more, the merrier for you.
When considering the W-4 to insure a refund, consider these ingredients and mix wisely...
1. Complete all of Step 1
2. Complete Step 5
That should be enough to insure your refund. This is true because the more that you contribute to the 401K or 403B, the less taxes you will pay for both Federal and State returns.
You can add a little more to the refund by completing Step 4(C)
Good Luck to you!
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