@tunapiano1 do go back and reconfirm your income. The w-4 mimics the tax return. So if nothing is being withheld from your paycheck for federal taxes, I suspect your income is really less than $105,000.
Again, even if you are making $105,000 and you have medical premiums, 401k contributions, etc. coming out of your paycheck on a "pre-tax basis", then what you are going to report on your tax return is the net of those numbers - so a lot less than $105,000. Look at your paystub as they normally indicate how much of your earnings are taxable.
