Should I adjust withholding but analyze: trust myself with money? Map withholding: current overpayment vs. adjusted vs. self-discipline. Calculate: refund vs. monthly income vs. spending discipline. Show me the withholding reality: adjust only if disciplined. Give me the truth: only adjust if I won't spend the extra. Include: whether I'm disciplined enough, what adjustment would give me, if I'd save or spend the difference.