Question

In which of the following situations should an employee provide a new Form W-4, Employee's Withholding Certificate, to their employer?
Henry has worked at the same job for five years and has had no change in income.
Julian does not anticipate any changes to his income next year, and his withholding closely matches his last year's tax liability.
Michelle and Sandra are getting married and having a baby this year.
Valerie estimated her tax return will result in a $50 refund. She is happy she does not owe, and she wants to keep as much money in her paycheck as possible.

Answer 1

Short answers:
- Henry: No. — No change in income or personal situation, so he does not need a new W-4.
- Julian: No. — Withholding already matches his tax and he expects no changes.
- Michelle and Sandra: Yes. — Marriage and the birth of a child are major life changes that typically require updating withholding.
- Valerie: Yes, if she wants to increase her take‑home pay. — She doesn’t have to, but if she wants less tax withheld (smaller refund, larger paychecks) she should submit a new W-4. Warn her to use the IRS Tax Withholding Estimator or otherwise check amounts so she doesn’t underpay and owe a large tax bill or penalties.