The conventional

wisdom is that if you get a big return on your taxes, you should reduce your withholding to more or less break even. I've never followed that "wisdom". Mostly because I'm horrible at saving money. This year though, with the reduction in hours, it will be a life saver. My return this year, partly because I did not qualify for the $1,200 until this year, will be well over $5,000. That is called "planning!!!!"