make shuure to pay something, me an estimate of what you're going to owe. can you do that by phone, by check online. if you can't really afford to pay in full right now, you can set up an installment plan, it cost a little to set it up but you can find out how to do that. >> you're not alone in that? >> no. exactly. a lot of people can't afford it and there will be penalties if you're not able to pay in full but it's better to pay something and to set up the plan and let the irs know you're having problems so you can try to set up some type of program. >> we're talking about april 15th so it's never too soon to start thinking about next year. >> now is the time, you either got a refund or may have to owe. maybe you came almost to a break even mark. if you didn't, you need to adjust your with withholding and get a w-4 form and make sure you do break even. you don't want uncle sam to hold your money. >> do the math ahead of time. >> exactly. >> personal finance correspondent sharon epperson. >> my pleasure. thanks so much for joining us this week. next week i