Should have added that we are retired (on purpose to have no income so we can fill up the tax brackets with Roth Conversions). So no withholdings and we are paying the taxes from a taxable, non-retirement account and don't have taxes withheld from the conversions. Have always done the conversions at year-end (so entire tax bill paid 1/15 each year) but in 2025, it may make sense to do the entire conversion in January.
