You want IRS to take more taxes during the year. They’ll take more if you are single/married filed separately. You can file jointly, just make sure taxes taken out single/married filed separately.

Our tax person showed us the difference.

The other way is to reduce your taxable income by increasing pre-tax retirement funds contributions.

That’s why we don’t do our taxes by ourselves but always do with the same professional who shows us all the changes etc

If your husband made less, you might not owe though.