It's really better to have as little taken out as possible. Calculate what you are going to owe each year and get as close to that as possible so you don't have much coming out. You will have a smaller return but all you have more money throughout the year, if that money is sitting in a bank collecting interest it will be doing you better than going to your taxes to overpay and collect a bigger return each year. If you have a lot coming out of your check each pay period and then end up falling short on bills one month and have to get and loan you are just wasting money that you could have possibly saved by not having to get a loan at all and not having to pay interest on a loan because you have that extra money and don't need to get the loan, if that makes any sense.
