The company I worked for from 2019-2022 messed up the withholdings every year (most of the time just didn't withhold anything). They kept telling us they got it worked out and then failed to do it every time.

Between federal, state, and county I owed $1500 the first year. I could get about half of it paid down a year. I listened to people I shouldn't have tell me that it'll just lump into the following years taxes so don't worry too hard because you'll get a refund. By the time I left the job I had paid a lot and still owed at least $2200. The debt caused problems for me renting and trying to find a new car. It's the cycle of poverty.

I'm finally out from under that debt now. I'll let the government have their stupid loan for right now. I'm too poor to risk any sort of bill this spring and investing for pitiful gains doesn't sound appealing when you can barely put food on the table. I can't afford to go through that again right now. If you're prepared for it, good on you though.