That’s what I do. I have my taxes set up to withhold at the single rate. I pay obviously more thru the year, but I don’t ever want a tax bill at the end of the year. To me, that’s worst than giving the gov an interest free loan.
I do get the child deductions and that’s about it.
My wife seems to want to help Uncle Sam out. We apply our refund to next years taxes due. We got a letter from the IRS a few years ago that they didn't want to carry such a large balance forward and sent us a refund. LMAO