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gooberfaced t1_jeelsel wrote

> It is 100% likely I'm messing up terminology.

Yes, you even confuse "return" and "refund"- the most basic of terms.

>I'm not withholding anything

That's your problem.
Go to https://www.irs.gov/individuals/tax-withholding-estimator and see how that plays out.

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itsdan159 t1_jeenm1j wrote

>Yes, you even confuse "return" and "refund"- the most basic of terms.

And also among the most commonly misused so it's not like OP isn't in very large company.

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