Zero withholdings---meaning no tax withheld? When you look at your pay stubs do you see federal and state tax withheld? What was in box 2 of your W-2?
W-4
https://turbotax.intuit.com/tax-tools/calculators/w4/
https://www.irs.gov/individuals/tax-withholding-estimator
https://www.irs.gov/pub/irs-pdf/fw4.pdf
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