Learning how taxes work is important. This is a very in-depth topic and can change annually depending on the current tax law. I would suggest first checking and seeing if a standard deduction makes the most sense for you. If you have property, assets or major medical expenses look up the rules for each type of asset you have and the current rules for medical deductions. Once you figure out your deductions, change your tax withdrawals so that your net taxes owed is close to zero. I.e. no refund. Instead put any extra money into savings or invest it.