You good evening ladies and gentlemen. Thank you for watching this training video. We're going to be talking about correcting your tax withholding, so we're going to be going over the 2018 form w-4. We're going to be providing instructions on how to properly fill out the form so you can have the correct amount of taxes withheld from your pay. The IRS reduced the publication, saying that the majority of Americans had this form filled out incorrectly. And when it stood out incorrectly, it was causing the overpayment in taxes, which we call our tax refunds. Now the problem with that is people are losing the ROI (return on investment) of their investment. So they're not actually able to pay down or eliminate their debt and have money for investing later. What happens is they use it as a forced savings method to get money back at the end of the year or they're paying interest out throughout the year and not being able to reduce that interest. Secondly, you're allowing somebody to hold your money without making any money on your money, so you've got a double whammy. So let's go into the form and talk about the form. We'll talk about how you can possibly increase your take-home pay. On average, we're seeing about 200 to 600 dollars per month. Now, we do have some disclaimers which is a must because not everybody is going to meet the same criteria, and things are going to be just different for each individual. So we have these disclaimers in here, but that's not the vast majority. What you have to say safeguard, so we'll go over those disclaimers. My econ doesn't guarantee you will receive an increase in your paycheck by adjusting your form w-4 if you owe taxes...