If you consistently get a tax refund every year, it means that you are having too much withheld from the paychecks that come into your household. While it’s always fun to have the government hand you a big check, it essentially means that you’ve loaned them some of your discretionary income, interest-free, for a year or more! If this is your situation, you need to talk to your accountant, financial planner, or employer about adjusting your withholding on your W-4. To calculate the correct number of exemptions to report on your W-4, visit the IRS website at www.IRS.gov and use their online withholding calculator.