True. However I plan on the large federal refund of > $4,000.00 for my home escrow every year at tax time and I set up my W4 with holdings of zero specifically to do that. Now I am without that $4000.00 because my employer decided to play with everyone's W4. I understand that my taxes balance out, but now I am having to come up with the $4000.00 this year, plus having to fix my W4 so that money is taken out of my paychecks too. I also have to watch my pay checks like a hawk because of my employer's meddling. It's just a lot of un-expected money to come up with. Sorry for the frustration.
