Hi rudals8446
Different strokes for different folks. If you withhold less now, you have more money in the bank now to spend or invest. Some people can add more income to retirement accounts and lower their tax bills as well.
Other people use their tax refund as a saving account with no interest and like a large refund each year.
Here are a couple articles I like that discuss the options:
https://turbotax.intuit.com/tax-tips/irs-tax-forms/form-w-4-and-your-take-home-pay/L4VSEhPez
https://turbotax.intuit.com/tax-tips/tax-refund/fatten-your-paycheck-and-still-get-a-tax-refund/L5Ha...
Hope these help answer your questions!
Have a great day!
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