I have a related question. How do you adjust your withholding? I am single and take myself as a dependent. It is my understanding that to overstate the number of dependants in order to get more money back each month is illegal. I know of no other way to adjust my withholding downward (not surprisingly, the government makes it easy to adjust your withholding in the other direction). I am generally due a decent refund due to exorbitant medical bills.I am not concerned about the "tax-free loan," I am concerned that because my ex and I owe back money to the IRS, they keep my refund (but not his, because he never gets one). So I end up paying much more than my share of this tax debt (which I am trying to get settled, but he isn't).If there's away to get my withholding changed legally, I need to know it! Hi Merri!In your case, I'd much rather see you ask this on the Tax Strategies board. There are experts there who can address your situation, as it sounds like it could be a bit on the complicated side.I'd hate for you to get misled by well-meaning posts here, and think you'd be much better served by those who are professionals when it comes to tax questions.Here's the link:http://boards.fool.com/Messages.asp?bid=100155Good luck!Tony...but I still am...Off2Aruba
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