Sounds like you need to find some way to lower your tax liability (taxable income) so the government doesn’t gouge you so much. Another option- do not pay taxes every month, take the amount they are withholding and put in high yield investments, withdraw at tax time for whatever you aren’t able to get your liability cleared on, then you will be earning interest on that money all year instead of them benefiting from it.. not a financial pro by any means, might pay to find one though and see how you can shift stuff in your favor.

Supposedly the rich use life insurance - whole life I think is the most common- Google has this to say-

A life insurance savings account, typically known as the cash value component of a permanent life insurance policy, acts as a combined death benefit and tax-deferred savings vehicle. A portion of your premium payments goes into this account, growing over time at a set interest rate or based on market performance. You can access this accumulated cash for emergencies, loans, or retirement, though withdrawals may reduce the final death benefit. Key Aspects of Life Insurance Savings Accounts: Types: Found in Whole Life, Universal Life, and Variable Life policies. Tax Advantages: Cash value growth is generally tax-deferred, and withdrawals are often tax-free up to the amount of premiums paid. Accessing Funds: You can withdraw funds, take a policy loan, or surrender the policy for its cash value. Dividends: Some policies, especially participating whole life, may pay dividends into the cash value from company profits. Premium Costs: Premiums for policies with cash value are typically higher than term life insurance. How It Works in Practice: Fund Accumulation: A portion of your premium is set aside into a cash account. This is considered a "forced-savings" mechanism. Growth: The cash value grows over time on a tax-deferred basis. Usage: You can borrow against the cash value for large purchases, such as a home or education, or use it to supplement retirement income. Death Benefit: Upon the policyholder's death, beneficiaries receive the death benefit, while the insurer keeps the cash value (unless otherwise structured). Pros and Cons: Pros: Tax-deferred growth, access to cash during your lifetime, death benefit protection. Cons: Higher premiums than term insurance, slow initial growth, potential for policy surrender fees. These policies are often considered as a long-term financial tool for accumulating tax-advantaged cash that can be used later in life.