In this podcast episode, host TJ van Gerven discusses the topic of withholding for high-income earners and understanding safe harbor rules. He explains the difference between withholding on paychecks and actual tax rates, highlighting that the withholding rate on bonus income may not always be accurate. To simplify the process, TJ suggests focusing on the safe harbor limit, which ensures that a certain amount is withheld on taxes to avoid penalties for under-withholding. He also advises keeping the extra tax reserve in a high-yield savings account to earn interest. TJ emphasizes the importance of working with a tax professional or financial advisor to determine appropriate withholding and estimated payments based on income.