Your situation, with a large, unexpected tax bill and penalty, is common for couples where both spouses work. This often happens because the standard withholding calculations for two-income couples can fail to account for how their combined income affects their tax bracket.
To rectify this, you or your husband (or maybe both) must submit a new W-4 form to your respective employer(s). The goal is to increase the amount withheld from each paycheck going forward. You can use the IRS's Tax Withholding Estimator to help you fill out the form accurately. IRS Tax Withholding Estimator
Lastly, I do believe it is worthwhile consulting a Tax Professional about the 2024 Tax Returns to see if something was missed that could reduced your Tax Liabilities for that year and perform an amendment of the 2024 Tax Return, if applicable.
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