@VolvoGirl
<<Also if you file Married Filing Separately up to 85`% of your Social Security becomes taxable right away even with zero other income.>>
If you file MFS and you live together, then 85% of your SS is automatically part of your gross income and therefore subject to tax.
if you file MFS and don't live together, then the normal rules of determining whether social security income is part of gross income apply.
