Question

Which of the following strategies would increase a person's net pay per month but might result in a large amount of taxes owed later on in the year?
1. Opt out of a Social Security and Medicare, so it will not be deducted from paychecks.
2. Decline to take any allowances on the W-4, so less money will be deducted for federal taxes.
3. Take all legal allowances on the W-4, so less money will be deducted for federal taxes.
4. Decline to have health insurance, So money will not be deducted for that benefit.

Answer 1

4? I'm not sure though