Think about it like this, if you have no kids and claim 0, and make only $6,000 a year, then this will be your entire tax return for next year. If not, then your'e good to go.

For someone making, say, $40,000 this year, $34,000 will still be taxed like normal, and you will probably pay more in taxes on that $34k than you should, and will still get a big return back in 2009.

It is only the g-o-v waving taxes on your pay, not advancing the taxes you havent paid yet.