When I was working, I always managed my payroll deductions so we would come close to breaking even, so no big refunds for us. As soon as DH sees money in a savings account he sees something he just has to have. After DH retired and I was still working, he set up to have taxes deducted from his pension check, which helped so we didn't owe at the end of the year. Now that I'm also retired, we are in a -0- tax bracket, but still file to get back the money withheld from his pension. If I had him stop those deductions, the money would be eaten up each month. This way, we receive a refund and I can use that money to pay the property taxes.
One time my step-daughter figured out that the more exemptions they claimed the more money they would get in their paycheck. Of course, at the end of the year when they owed a bundle to the IRS they didn't have it, so they quit filing. That worked great, until the IRS caught up with them and attached their wages. Now they are on a monthly payment plan to pay back all that money, plus penalty and interest. Kids!! I don't know if they've paid it off or not, but the less I know about it, the better off I am.