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While unrelated to SS (sort of; I think they, like most entities, are required to accept a new one pretty much any time) I did want to relate something about W-4s. When the IRS assesses penalties for not withholding enough via payroll deduction or quarterly deposits it is based on the annual tax return. My wife does some work for clients she bills directly and we adjust my W-4 up to account for it. One year it got a little dicey and I had to adjust it in December by a pretty large amount; enough to get a call from payroll to make sure I hadn't filled it out wrong. After that it occured to me that if you earn over the FICA limit, you can run some numbers and it isn't that hard to figure out how much to adjust the withholding by before and after hitting the limit so that all your checks have roughly the same amount withheld. All sorts of disclaimers apply to this information; what works for me might not work for you and all that...
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