>My situation is probably common out there. Both my >spouse and I work. Incomes in the $40 to
> $60 thousand range. The problem is withholding by >each employer is low since their formulas take
> in account only that one salary which is not far from >the 15% tax range. But combined, the family
> income is solidly in the 28% range. Each raise which >can come at any time of the year screws up
> my calculations (though I am not complaining about >the raise). Each time stock is sold makes
> matters worst.

Look at the back of the W-4. There's a mess of stuff on there to deal with dual-earner couples. Even that's not perfect, though--it can't cope with variable incomes.

Note that at various times I've been given a single-sided photocopy of a W-4 instead of the real thing. If you're form is one-sided, get a real one.