Sorry to disagree. Dont claim youself untill all said and done. Get some money back, you wont miss it when it is taken out.
Use the existing money if you dont beats the hell our of paying it in the end and I mean rear end when you may not have it. But a little cushion at the end amy be of help.
Small business man, I dont pay taxes, just have to make enough to pay and I dont!
Miss the little and get a little back. Spend it and pay at the end!