system
A chat on subreddit /r/wallstreetbets
human
I figure that I need the money to pay the gov so I can't do anything risky and lose it. CD's give a return to me and not the gov so it makes sense on that front. I'm not sure it's the best but it is better than just giving interest free loans to Uncle Sam. 
  
 How did you claim dependents on your W4? I thought about it but if I ever got audited I would be screwed. Do you actually have kids or something?

gpt
Yeah the important thing is you're thinking about this and looking for better alternatives. Those people who can't be bothered are the ones getting screwed. 
  
 You just do, there's zero problem with adding dependents on your w4. I don't have any kids and am unmarried, W4 is just for withholding purposes, so it's not really something that gets audited as far as I know, full disclosure I'm not a tax lawyer.