So I'm on my way to the CPA with a big check for Sam my Uncle.
We had less withholding thoughout the year (well, the wife did, I haven't seen a paycheck in too long...

). We used the money to help pay down some Credit cards. Getting a few balances lower was much better than letting the IRS hold my money without interest.
It is a shame that so many Americans use the tax withholding as some kind of savings plan. Ideally, you'd want your taxes to net to zero, or a small refund. Two years ago, I adjusted the withholding so less was taken out. Then since I had Direct deposit of my paycheck, I set up a separate savings account and had that money dropped into there. It was easy, unnoticable, and come April, I had enough to write the check to the IRS with plenty left over. And I earned interest all year.
Next will be taking a wad of cash to the court to pay for that freakin stop sign ticket.
sigh