I never get stuck with a tax bill; I prefer to take my pain in smaller doses and I careful to withhold more than I need to. I got my modest refund in February. The mortage deduction helps a LOT, even though I fundamentally disagree with the concept. (Flat tax! FLAT TAX!)

(Then again, I disagree with paying our regular grunt soldiers squat while investing billions year after year in military projects that will never get off the ground, but no one asked me if I could pick and choose where my tax dollars went.)