To answer the question though, we filed earlier this year and did get back a sizeable refund. At this time we are trying to figure out whether it is best to leave our options the same as before (and be forced to save and get the refund), or make changes and quit giving the government an interest free loan. Given the current rate of our savings account it is unlikely we'd make much. My fear is that if we make changes that either we would mess up and owe money or since we have more on hand that we'd spend it instead of saving. How do you decide?