First, check how much tax your states charge in taxes. I paid 20% but I’m actually getting a large amount back so I overpaid and PA does have state taxes so I do have to pay that because I only took federal taxes out.
Second, it looked super confusing to me and also many tax preparers I spoke to. It wasn’t until a CPA helped me that she explained things. Although it said about paying 1/3 a year for 3 years, it didn’t mean I had to. That is just how they explain it to people that didn’t pay. It did take an hour on the phone with a CPA to figure it out. Hope I explained that in a way you can sort of understand. Lol
