re: #45 BeachDem

As a self-employed person, that’s what I’ve always done—I’m supposed to pay quarterly estimates but almost never do. The penalties aren’t a whole lot for just paying it in April (at least on what I make—which is not nothing, but not 6 figures.)

Do employed people have access to their withholding to even do that?

You could declare a whole lot of exemptions to get the maximum paycheck possible.