I have just decided to adjust my withholding down (not exempt since I don't want to pay penalties) and then see where I need to go from there in March. I have also decided to hire a tax professional and a money "guy" and stop being a DIY sucker. Seeing how much I paid the government this year (spent the full year as a captain who flies a little extra, not a lot) has made me realize that in looking around for the sucker, he was sitting right here all along. I am paying my marginal rate on my straight income like an idiot when I could be avoiding at least some of this and probably putting it into an investment that is going to net me something later.
I think I am officially in the "first world problems" era of my life.