^they may claim more exceptions on their W-2...

Zero'ing out your taxes with the gubment would be ideal..You know if you get a big return, technically you've just let uncle sam borrow that money for the year at no interest owed to you. I'm happy if I zero out for the year but, I will probably have to owe which is still ok because it was like uncle sam gave me the interest free loan for the year which I have to pay back. no biggie, it was sitting in the bank collecting interest which I essentially get to keep.

If I do get a return it is going toward a few of the loans I owe on which put me currently at around $300K in debt! My work bonuses are going to the same too, pay off loans, because interest is a b*tch. My goal this year is to pay down or pay off my outstanding loans.