A few years back, when the withholding started changing, I put that "extra" money, into savings (verses most I know that just blew it). Last year, my refund was a bit higher, but my income nearly doubled. That refund just goes into the property tax fund. My state refund, tends to go from having a bill of around $20, to getting a refund of around $20. I wish I could get withholdings done easily enough (not having to change it multiple times a year for the calculation/accountant expense to the business), to have my federal taxes at that point.