> If you are on w2 and owe big taxes, then you are intentionally under withholding. No, many W2 people also have investments and capital gains, and it's very e

> If you are on w2 and owe big taxes, then you are intentionally under withholding. No, many W2 people also have investments and capital gains, and it's very easy to owe big taxes without under-withholding. Also, if your W2 income is, say, $500K, it's not out of the ordinary to owe another $10K or $15K even if you don't intentionally under-withhold. It's not within penalty territory but more than enough to get a sign-up bonus or two and get a couple thousand of it back in cashback, air tickets or hotel stays and things you'll use anyway.