I'm 30, single, live in North Carolina, and I'm starting to get nervous about filing my 2026 taxes. I've had a lot of financial changes this year, and I'm trying to figure out whether I'm setting myself up for a massive tax bill in 2027.

Here's what's happened:

Salary increase: I changed jobs in July and went from making $95K to $125K annually. Obviously, I didn't make $125K for the entire year.

Bonuses: I received a $10K sign-on bonus when I started my new job, and I'm expecting another partial performance bonus in December.

Retirement withdrawals: I cashed out retirement funds this year. I elected 20% federal withholding and approximately 4% North Carolina withholding. I'm under 59½, so I'm concerned about the additional 10% early withdrawal tax and whether enough was withheld.

Graduate school: I started an MBA program in January 2026 and have been financing my tuition through federal graduate student loans.…