We don’t know how much money you’re talking about, but there are many possibilities aside from the obvious point that you should adjust your withholding to avoid getting a refund in the Husband and wife camping partners for life we may not have it shirt. The simple and obvious answer if you have no debt, is to “invest it.” That general idea can have MANY meanings! For example, you could start a small business, of which there are hundreds, if not thousands, of possibilities. Here are some simple examples: Buy a lawn mower and use it to mow lawns and earn extra income; improve or upgrade your vehicle and start driving for Uber or Lyft; get bonded and insured and start a dog walking business; have business cards printed and place ads for a service you want to offer; buy cleverly chosen items at estate sales (such as like-new handbags or men’s and women’s designer shoes) and sell them for a profit on eBay). Lots of possibilities!
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If you choose to be lazy, or just don’t have the discipline to manage your Husband and wife camping partners for life we may not have it shirt, then you can give the government extra money to hold for you by claiming 0 exemption + an added amount of voluntary withholding. The more you have them withhold, the more you’ll get back as a refund. The choice is yours. Since I know that if we have the money, it will probably get spent somewhere else, my choice has been for years, just pay the taxes, over withhold, and sleep well at night knowing I will see some sort of check come April. It is not the best from a financial investment point of view, but it has been the best investment I can make in my piece of mind. And it is nice to get that check and use it for something else, like a vacation.