Owing when you complete your tax return means that the amount withheld from your checks during 2022 was not enough to cover your final 2022 tax bill calculated on your tax return.

My guess: your commission checks used a default "supplemental income" withholding, which is 22% unless payroll uses a more complicated method (not many go that route). On $250k of base + commission, that puts you just inside the 35% bracket, with a lot of your income in the 32%. So if your commissions were handled as supplemental income, you'd have at least 10% "missing" withholding from those, which results in a big amount owed on your return. Owing another $12k on $100k of income somewhat lines up with that theory.

>On my W4 I do not claim ANYTHING. No dependents, no other witholdings, 0s across the board.

What filing status? Since you do your returns as filing separately, do you have your W-4s set for that, or is it using "Married filing jointly"? If your W-4 has "Married filing jointly" that won't withhold enough for separate returns. And with multiple jobs, it wouldn't withhold enough when filing your return jointly either.

>I am claiming nothing on my W4s, so withholding nothing.

Not's not really how it works. Withholding is the money kept out of your income and sent to the IRS to pre-pay towards your yearly tax bill. With the current version of the W-4, having nothing other than your filing status means that payroll will calculate your estimated annual tax from your income (known to them) minus the appropriate standard deduction, then run that "taxable income" estimate through the tax bracket calculations. That amount gets divided by the number of pay periods in the year to get your per-check withholding. Even with nothing on your W-4, your paystub should show some amount for "Federal income tax withheld" (or similar wording).

>My husband and I both file - currently are set up to be filing separately due to the amount of income we make together.

In general, a married couple's total tax owed will be lower filing jointly vs. filing separately. There are sometimes reasons to file separately anyway, like if one has an income-based loan repayment.