Ok. This is making sense now. I apologize my ignorance but your all are helping me with a ton of good info!
Yes, my AGI for 2017 was about 65-70% of what I expect it to be this year. I am married and the wife works a couple days a week. I think she grossed $20k-ish last year and that will stay about the same for this year. 2 young kids - 5 and 7 yo. 2018 AGI should be about $130k after 401k ($18,500), HSA (5,350), DCA (1,500), and medical (3,840). Employer contributes 1500 / year into HSA so thats why the weird number.
I realized the $19k number that I mentioned before was incorrect, that is all tax withholdings on the stub - federal, state, medicare, and social security. Federal is $9200 of that so far this year.
It sounds like there's not much else I can do to reduce actual taxes as Ive taken advantage of all pre-tax deductions. Does it still make sense to move HSA and 401k deductions to strictly commission/bonus pay?
And, is there a good calculator out there to accurately estimate the exemptions I should claim to minimize tax withholdings?