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Year-End Tax Guide — How to Maximize Your Refund and Minimize What You Owe

May 5, 2026 · OIYO Editorial

How income tax withholding and year-end filing works, the difference between deductions and credits, key tax-saving strategies (retirement contributions, mortgage interest, charitable giving), commonly overlooked deductions, why some people end up owing money, and a pre-filing checklist for employees and self-employed workers.