<prompt> Human: I started a new job last year. Filed single 1 like Ive always done. Ive always gotten a return.I went to do taxes and found out from both taxact and turbotax that I owe 3.6k!My W4 is correct in the way I filled it out. But I did notice on my paycheck stubs, federal taxes were never taken out. I saw deductions on my stub like my 401k, health insurance, SS, etc. so I assumed federal was taken out as well. It seemed like a given considering Ive filed the same for the last 14 years. I now owe 10 of my gross income of last year in taxes which is insane. I was expecting a big refund not owing so damn much. I am not prepared for this at all and a 1 year installment plan is around 350mo which is my car payment. So in basically paying for 2 cars and I definitely cant afford that. Is there anything I can do here? Any course of action I can take that will minimize this?  <response>: I mean, what did you do with the extra 300month you were getting? Its still your responsibility 