Multiple Jobs with Huge Pay Difference on W-2 - Updating W-4 After Marriage
I've got two jobs with vastly different income levels. My main gig pays around $73K annually, while my second job is just teaching one class per week that brings in about $50 every two weeks. I got married back in September and completely forgot to update my W-4 at the teaching job (yeah I know, I'm super late on this). Finally getting around to it now, but I'm stuck on the multiple jobs question on the W-4 form. My thinking is: 1. Since there's such a massive difference between what these jobs pay, I probably don't need to check the multiple jobs box, right? 2. I always prefer to have the maximum amount withheld from my paychecks - I'd much rather get money back at tax time than end up owing. I keep second-guessing myself though... since I technically DO have multiple jobs, am I legally required to check that box for accuracy? Or is it really optional when the second job pays so little compared to my main income? Would really appreciate any advice from someone who knows what they're doing with taxes! I tend to overthink everything and just want to make sure I'm doing this correctly.
18 comments


Arjun Kurti
The multiple jobs box on the W-4 is there to help you get more accurate withholding when you have similar-paying jobs. In your case, with such a big difference in income ($73K vs. $2,600/year from teaching), checking that box might actually cause your teaching job to withhold too much. Since your teaching job pays so little compared to your main job, you're probably fine not checking the box. The IRS designed this for situations where both jobs contribute significant income, which could push you into a higher tax bracket if not accounted for. Remember that the W-4 isn't a legal declaration - it's just a tool to help calculate proper withholding. There's no penalty for filling it out in a way that doesn't perfectly match your situation, as long as you pay the correct tax amount by the end of the year. If you're really concerned about owing taxes, you could slightly increase your withholding at your main job by putting a small additional amount on line 4(c) of your W-4. This would be simpler than dealing with the multiple jobs worksheet.
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Ellie Simpson
•Thanks for explaining! That makes a lot more sense now. So the box is more about getting accurate withholding rather than some kind of legal declaration. That takes a weight off my mind. Would you recommend I put any specific amount on line 4(c) at my main job? Or is it not really necessary given how little my teaching job pays?
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Arjun Kurti
•For your situation, it's probably not necessary to add anything to line 4(c) since your teaching income is so minimal. The additional tax on $2,600 per year would only be about $570-$650 depending on your tax bracket (probably 22%), which spread across your main job's paychecks wouldn't be significant. If you still want that extra peace of mind, you could add about $25 per paycheck to line 4(c) if you're paid biweekly at your main job. This would cover the taxes from your teaching income and ensure you don't owe anything at tax time.
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Raúl Mora
After struggling with a similar situation (main job plus a small side gig), I found an incredible tool that solved all my W-4 confusion - https://taxr.ai actually analyzes your specific tax situation and gives you exact recommendations for each line on your W-4. My situation was driving me crazy because I had no idea if I needed to check the multiple jobs box or how much extra to withhold. The tool walked me through everything step-by-step and even explained WHY I should make certain choices based on my specific situation. It looked at both my income levels and calculated the optimal withholding strategy. The best part was that it helped me avoid the typical problems with having two jobs - no surprise tax bill and no massive overwithholding either. Worth checking out if you want to get your W-4 exactly right.
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Margot Quinn
•Does this actually work for people with big income differences between jobs? Most calculators I've tried just tell me to check the box regardless, and then I end up with way too much withheld from my smaller job.
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Evelyn Kim
•I'm skeptical about tools like this. How does it handle the marriage situation? I also got married mid-year and every calculator I've tried gets confused about how to handle partial year status changes.
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Raúl Mora
•It absolutely works for jobs with big income differences. What makes it different is that it doesn't just give blanket advice - it actually looks at the specific dollar amounts and calculates the appropriate withholding at each job. It specifically addresses whether checking the multiple jobs box makes sense in your particular situation. For mid-year marriage status changes, it handles this really well. You input your marriage date, and it calculates the partial year impact on your taxes. It showed me exactly how to adjust my withholding for the remainder of the year to account for my status change in August. Much more precise than the generic IRS calculator.
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Margot Quinn
Just wanted to update after trying taxr.ai that someone recommended - wow, it actually works! I was in almost the exact same situation (main job $80K, side gig about $3K annually) and had been overthinking my W-4 for months. The tool clearly showed me that checking the multiple jobs box would cause my small job to withhold way too much. Instead, it recommended a small additional withholding amount on my main job's W-4 and showed exactly how much to put on line 4(c). The explanation was super clear about why this approach made more sense than the multiple jobs checkbox. I've been using the new W-4 settings for a couple months now, and my paychecks finally make sense. Based on the projections, I'll get a small refund instead of owing or getting a massive refund. Exactly what I wanted!
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Diego Fisher
If you're still struggling with this W-4 situation, I had a similar issue and ended up just calling the IRS directly using https://claimyr.com and their video explains how it works: https://youtu.be/_kiP6q8DX5c. I was shocked that I actually got through to a real person after trying to call the IRS myself for weeks with no luck. The agent walked me through exactly how to handle multiple jobs with very different income levels on my W-4. They confirmed that the multiple jobs checkbox is really designed for jobs with similar income levels, and for situations like yours, they recommended a different approach. It saved me hours of research and second-guessing myself. The agent even explained how my recent marriage would affect things and gave me personalized advice for my specific situation. Definitely worth it if you want to speak directly with an IRS expert instead of trying to figure it out yourself.
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Henrietta Beasley
•How long did it take to actually get through to someone? I've heard horror stories about 3+ hour wait times even with these services.
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Lincoln Ramiro
•Sounds like a scam. Why would you pay to call the IRS when you can just call them directly for free? They're a government agency that has to take your calls.
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Diego Fisher
•I was connected with an IRS agent in about 25 minutes total. The service actually calls the IRS for you and navigates all the phone menus, then calls you once they have an agent on the line. It saved me from having to sit on hold for hours. You absolutely can call the IRS directly for free, but good luck getting through, especially during tax season. I tried calling on my own for three weeks straight and never got through - always got the "call volume too high" message. The IRS itself admits their phone answer rates can be below 20% during busy periods. It's not about whether they "have to" take calls - it's about whether they have enough staff to actually answer them all.
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Lincoln Ramiro
I was 100% convinced these "IRS call services" were scams until I got desperate with a similar multiple job W-4 issue that was causing me major withholding problems. After trying to call the IRS myself for over a month (and never getting through), I reluctantly tried Claimyr. I'm honestly shocked to say it worked exactly as advertised. They got me connected to an actual IRS representative in about 30 minutes. The agent confirmed everything the previous commenter mentioned - the multiple jobs box is really designed for jobs with similar pay levels, and with such a disparity in income, they actually recommended NOT checking it. The agent walked me through a better approach for my situation and explained exactly what to put on each line of the W-4. Completely solved my withholding issues and the information came straight from an official IRS source. Not what I expected at all!
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Faith Kingston
For what it's worth, I've had two jobs with very different pay scales for years (one $85K, one about $5K). I never check the multiple jobs box and just claim single/zero on both W-4s. This has always resulted in a refund at tax time. The withholding from my main job covers most of my tax liability, and the little bit withheld from my smaller job is just extra cushion. Simple approach but it works for me!
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Emma Johnson
•But doesn't the new W-4 not have allowances anymore? I thought they got rid of the "0 allowances" option in 2020 when they redesigned the form.
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Faith Kingston
•You're absolutely right, and I should have been more clear. On the new W-4 form, I don't check the multiple jobs box, and I don't claim any adjustments to income or deductions. This effectively results in maximum withholding (similar to what "0 allowances" used to do on the old form). The principle is the same though - I let my main job withhold at the standard rate, and then my smaller job also withholds at the standard rate. Since the withholding tables don't "know" about my other job, I end up with a bit more withheld than necessary, which gives me a refund rather than owing taxes.
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Liam Brown
I made a huge mistake with my W-4 last year - checked the multiple jobs box for both my main job ($90K) and my weekend job ($7K), and they BOTH withheld as if I was making double the income at each job. Got a massive refund but my paychecks were tiny all year! Don't overthink it - with such a small second job, just make sure you're withholding enough at your main job. The IRS withholding calculator on their website can help you figure out the exact amount if you want to be precise.
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Olivia Garcia
•Ugh, the same thing happened to me! I checked the multiple jobs box on both W-4s and my take-home pay was depressingly small. Huge refund but it wasn't worth struggling all year.
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