[wayner123]

I have thought this back and forth for years. The main thing for me is like Jordan pointed out. Even if I was to put the adjusted income increase in an intrest bearing account the amount of interest would be negligible. And even then I wouldn't be able to touch it for a number of months to collect that interest.

The real problem lies when those who adjust their W4 now increase their lifestyle instead of putting it away. And that is the majority of our population. If you were to increase their salary they would find a way to spend that "new" money. Then if an emergency or they have to pay more for insurance, a new baby, etc comes along, they don't have that "savings" on which to fall back on.

Where it makes sense most to me is someone who has a large amount of debt. Say over 10k worth of debt. If that person can get back more throughout the year and pay down that debt, then it works out well. Just my thoughts on the matter.