My father and your mother would agree completely. And in an ideal world, I'd set it up so my refund was tiny. However, I work for a large bureaucracy, and get adjustments to my salary half-way through the year, so they always overpay my taxes. A lot. I've given up trying to make it smaller.

Your situation is what my father aims for when he does their taxes. In fact, he explains that he would like to time things so that as he spends his last nickel he drops dead.