Retirement tax questions

Thanks, @SteamTrain!

 

I just filled out a new W4, with an additional amount on each check being withheld to satisfy the safe harbor/probably get a refund... better safe than sorry!

 

Follow up, somewhat related question... If I' meeting safe harbor from my withholding, is it an issue to make a 2k-3k estimated tax payment in Q4 to meet the minimum spend requirement for a credit card? Obviously there's a fee involved with paying taxes on a CC, but in this case, meeting the minimum spend far outweighs the fee. But I don't wan't a paperwork nightmare come tax time... since I didn't make any estimated tax payments in Q1-Q3. That annualized income form sounds like a major pain! 

 

Thank you so much!