You knew that 2018 was a year for tax changes, new rates that affected everyone I even told you throughout 2018 that you needed to change your W-4, sit down with your tax practitioner and plan out your 2018 tax issues. Did you do it? Nope! Instead you just heard more money and you have become a tax refund addict. Now is the time to go cold Turkey and become responsible for your financial and tax life GET IT TOGETHER!