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Up the contributions at least to the point where you're taking advantage of your employer's match. Sure, you can increase your tax withholdings, but that's like giving Uncle Sam a free loan. Instead, collect interest on the money throughout the year, and take the “slam” come next April. The good news: You're not getting “slammed” if you see it coming. Consider an FCIC online savings account or CD. Sites like Bankrate.com or MoneyAisle.com have current bank rates.