Consider a taxpayer with two jobs: primary employment with withholding and a second part-time job that also pays wages but with minimal withholding. People in this situation sometimes discover they owe tax because total combined income pushes them into a higher tax range. The W-4 provides ways to adjust withholding at either employer to better match combined tax liability. Deciding whether to update withholding often depends on the size of the second job, expected total income, and whether too large a refund is acceptable or not. This scenario asks which action is typically sensible after starting a second job.