i thought after tax days we would not be talking about tax day anymore. maybe you are getting a big tax refund and you are excited about it. doug flynn is joining me now, and he said if you are excited about getting a tax refund you are doing something very, very wrong. and we are joined by the president of optimum capital management. doug, you feel if you are getting a refund or you owe more than $1,000, you are doing something wrong. you are not withholding the right amount from your paycheck. yes, a lot of people don t realize, the w 4 form when you signed when you first took your job, it doesn t have to be the one you keep on file for the rest of your working career. can you change that from time to time.