If you would rather a refund come tax time instead of receiving a little more net income each pay period, you can start off by claiming zero on both of your W-4's at work. When you receive your refund next year, you can decide between yourselves if it is a large enough refund. If you would like an even bigger refund, one of you can change your W-4 to be married but withhold at a higher single rate, and see what your refund looks like.