My wife and I are empty nesters, but I claim something like four deductions to ensure I don’t get a refund. I’m thinking of dialing it back because we end up owing so much at the end of the year that we had to pay a very tiny penalty last year. Somewhere around $20.
My goal when I moved from Seattle to KY was to get my TAXABLE income as low as possible. I got it down to five figures and it helped a lot.
I retired last year and I got my wages income down to a single figure (which is a VERY scary number!).