host: jeffrey trinca? guest: i mean, it's important to understand that the filing season is really reconciling your business with the government. it's not -- you should have been paying throughout the year. you should be looking at that, at that paycheck, and looking at that thing and saying, how many i doing here with the federal taxes, my state taxes? i have a good sense of what my effective rate should be. so when i look and say, hey, i've got a problem here. my withholding is way below what my usual effective rate is, which for me it's about 22%. it shows you i'm paying too much taxes. if i start to drop year 20, then i'm in h.r., and i'm saying, look, guys, and sometimes i adjust, i used to allowances, but often i'll say can you do another $300 or $400 a paycheck. you need to pay attention. host: this is so important, because there's generally a there are hold, which the government says you need to have 90% of your overall federal tax liability was held by the time you reconcile. if you haven't had 90

host: jeffrey trinca?: i mean, it's important to understand that the filing season is really reconciling your business with the government. it's not -- you should have been paying throughout the year. you should be looking at that, at that paycheck, and looking at that thing and saying, how many i doing here with the federal taxes, my state taxes? i have a good sense of what my effective rate should be. so when i look and say, hey, i've got a problem here. my withholding is way below what my usual effective rate is, which for me it's about 22%. it shows you i'm paying too much taxes. if i start to drop year 20, then i'm in h.r., and i'm saying, look, guys, and sometimes i adjust, i used to allowances, but often i'll say can you do another $300 or $400 a paycheck. you need to pay attention. host: this is so important, because there's generally a there are hold, which the government says you need to have 90% of your overall federal tax liability was held by the time you reconcile. if you haven't had 90%, you