An email from a college friend, several years after college: Hey super tax accountant friend, In is August and my wife and I just redid our withholding calculation. It looks like we are going to owe $10,000 more (on top of what we already withheld!) when we file our 2020 taxes. I need to lower my tax liability, fast. Should I go for tax deductions or tax credits? What should your friend do?