Been doing a little revamp for the last 2 weeks, but I'm back to sharing articles that I think provide some good information for you.
In the spirit of tax season, here's an article that discusses an important concept regarding withholding. But I'd like to add one: opportunity cost.
If you had the refund during the year, you could earn interest - money working for you. Or as many people do, use that refund to pay down credit card balances - but you paid interest during the year when your balance could have been lower or zero - money working against you.
Through this opportunity cost, over time, can represent a lot of money.
