[Beaglepup]

That's exactly what we are doing. Our accountant advised it. Although I'd like to get a lump sum check, this probably is the better thing to do since you can be using the money all along and making interest on any of it you do save. Since we used an equity line for part of the adoption, my DH thought it was best to do it this way and pay as much as possible on the equity line as soon as possible. We'll see how it turns out in March when we meet with the accountant to have our taxes done.

Note: We had them not take any Federal taxes out for the past year. Your accountant should be able to advise you as to whether or not you should do this or just cut back on how much they take. I guess it all depends on how much you make.

Good luck!