Is there any law stating i have to have taxes taken from checks and i cant pay it all at the end of the year?

Yes, there is a Federal law that came into being in the 1950s stating that the Employers MUST withhold from Statutory Employees the FICA, the IRS and any state income taxes. Previously, the income tax was an annual payment, but it exempted many workers. Most workers are defined as Statutory Employees. About all you can do is claim 2 dependents at the start of the tax year, change that to 1 dependent to claim withholding at the end of May -- your refund will be much smaller. There is a added tax penalty if your withholdings are more than $50 short of paying the total amount of taxes owed. Otherwise, you need to be a Contract Worker and those taxpayers write a check every quarter, based on the prior year's income.

As an employee, you don't have a choice. You must have money deducted to pay your social security tax, state, and local taxes. However, you can lower the amount deducted by declaring a high number of dependents on your tax witholding form. If you're single, write down you're declaring 6 (or more) dependents. This will lower the money deducted from your state and federal income witholding tax, but will result in you owing the state and federal government $$ which were not witheld enough through out the year. You must exercise strict dicipline in putting away at least 10% of your net income to a saving account, so that you may have money available to pay, when its time to file your tax reports.