Looks like I messed up.

At least that's the the way I look at it. I roughed out my federal income tax return today and got the bad news. REFUND. I always try to work it out so I need to send them a check not the other way round. This year I over withheld by a small amount, darn. Some people use their tax withholding as a savings vehicle, getting refunds in the thousands. Not me. I want that money all year long to do with as I please. Besides, they don't pay you interest on that money they have all year. Oh well, better luck next time. :)