Ever since our refund got stolen a few years ago, it has been my mission to make sure there isn't any federal tax return to steal. That was a little painful for a couple of years when we had to make payments; we just weren't used to that, although we had the money in the bank so it wasn't an actual hardship. It just stung a little bit! Well this year between a very modest state return and a very modest federal amount owed, we will end up paying $41. out of pocket. I don't think I could hope to get it much closer than that!