Closing the quiz with a practical, higher-level pitfall: many taxpayers chase large refunds by overwithholding or using aggressive itemizing without records. While a refund can feel like a forced savings plan, overwithholding means you gave the government an interest-free loan during the year. Conversely, claiming itemized deductions without receipts risks audits or denied deductions. Balanced, record-based filing and periodic W-4 reviews are safer and more efficient. This final question asks you to pick a best-practice mindset to avoid common mistakes and keep filing simple and compliant.