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After starting a second job, proactively updating withholding via W-4 (at one or both employers) is commonly recommended to avoid under-withholding. Each employer by default may calculate withholding as if it were your only job, which can leave combined withholding short of total tax liability when incomes are aggregated. You can address this by indicating multiple jobs on the W-4 or by requesting additional flat-dollar withholding on one employer’s form. The objective is to approximate the correct annual withholding across both pay sources so that year-end reconciliation results in neither an unexpectedly large balance due nor an unnecessarily large refund.

To choose the best approach, estimate combined annual income and compute a reasonable tax projection, then divide the required additional withholding across remaining pay periods. Some taxpayers concentrate the extra withholding on the higher-paying job; others split adjustments across both employers. Alternatively, you might make an estimated tax payment or increase withholding on a spouse’s W-4 if that’s simpler. Monitor paystubs during the year to confirm adjustments produce the desired effect and submit a revised W-4 if circumstances change. Regular reviews after job changes protect you from surprises and make tax season less stressful.

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