They advise that you decrease the number of allowances on your W-4. The more allowances that you have, the less taxes you pay during the year, but this can also decrease your end-of-the year refund greatly. The goal is to take as much tax out of each paycheck as needed to get a refund at the end of the year. A person’s job looks at these allowances to determine how much taxes an employee needs to pay each paycheck.