[RKDinOKC]

I've always tried to keep my withholding so I get a refund of some kind for two reasons.
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First and most important is that I do NOT want to have budget for an extra payment come tax time. Every paycheck is frequent enough for me.

Second is I don't feel nearly as bad about how the government spends my tax money if I am getting a refund.

Federal defaults seem to work okay, for State I have an extra few bucks withheld to keep from paying.