Not all tax advice is accurate.

Morgan explained that owing taxes doesn’t automatically mean you made a mistake. It’s often a result of how your withholding was structured throughout the year.

Your W4 determines how much is taken out of each paycheck. If that number is too low, the balance shows up when you file.

Trends that encourage reducing withholding without understanding the full impact create predictable outcomes.

The result is a larger tax bill later.