Last minute taxes as always. Am I fucked?

I work in golf retail and my wife is assistant manager/serving at a restaurant.

Most years we end up with a tiny refund after credits and my w-2.

This year she made more money than she ever had and I guess didn't fill out her w-2 appropriately. After all is said and done we owe 2.8k federal and 1.3k to the state.

We have about 3k in an emergency fund. We both have about 12k in 401ks (24k total)

So I guess my question is wtf do I do? I know I waited to long I always do it's a problem I know. But will I be able to get on a payment plan? Do I need to call today? It seems dumb to take it from our 401ks.

Help a stupid 30 year old.