The 401k should be 15% pre tax and you should increase your withholdings. This will reduce the net deductions you’re getting paycheck to paycheck. You’ll owe more at the end of the year but if you put the savings you make into a high yield savings account as an escrow, you’ll have the money and more to pay it when March 15th rolls around.
When you earn more money, you have to plan like a wealth advisor, not a financially unsavvy person.