Do you own your own business? If so, don't you pay quarterly taxes? If you don't owe taxes why do you owe so much? I've read people here paying 20k+ back. Why don't you save that throughout the year? We make 60k and we have 2 kids. My dh gets taxes taken out like crazy from his bonuses and on his regular checks its just 2 exemptions. I worked part time and had 3 exemptions so nothing was taken out. Our refund, after adding education expenses like books and computers and daycare came up to 5300. So....do y'all just not have anything deducted through the year from your paycheck and end up having to owe???