My wife and I file married jointly. Her tax situation has changed this year. She received her last paycheck from her employer in August. Just a few months before that she became a contractor with a different company. When do we start figuring out the quarterly tax payments? Do we do that now or wait until we file in 2026? As a follow-up, if we pay quarterly tax payments can that amount be taken from my withholdings (I would update my w4)?