I've been on both ends of the stick when it comes to taxes and as fbc2 said, I'm not a great saver. I'd rather give me money to the gov't to hold so that I guarantee that one, I don't owe them, and I have a lump sum given to me to put towards whatever I want. This year it's all bill but that's what weddings do to you. It's not a bad saving program when you admit you have a problem saving.
As for retirement, that is taken care of in a maxed out 401k and company stock. After I get a house, I'll look into IRA's and such.
I'm getting $9000 back. Most of which are right-offs from my wife's work.
-Andy
