For the second year in a row, my mortgage interest does me no good. I don't pay enough mortgage interest to exceed the standard deduction anymore. (Or another way of looking at it, I don't make enough money anymore.) It may be time to pay off the mortgage instead.
My part-time employers (teaching) calculate the amount of federal and state income tax to withhold as though the pitiful wages they pay me is a full-time position--so they withheld nothing at all for the IRS.
This is going to be a very painful check to write. The temptation to stop doing any work except my daytime job is getting very strong. At least it would simplify my taxes.