[cherry]

my husband gets two small checks from his guard retirement and his pension guarentee board, and neither has anything taken out of them..

.so consequently, we paid a penalty last year and our tax guy gave us voluntary quarterly tax submission forms to avoid this..

...which we didn't do..

..but we realized a few months ago that my husbands main check was taking very little out and we'd have to owe thousands....so he decreased his w2 to be less than zero to make up the difference.

...what a blow to your net income though..

[Conservative4Ever]

I can relate..I’m an independent contractor with my work. I have to remember to make those pesky quarterly estimated payments to cover my tax bill.