@CP01 As explained earlier --- she is filing MFS---which is often the most disadvantageous way to file. She may have reasons we do not know for filing separately from her spouse. But more of her SS is taxable when she files that way, and she also has the other stringent rules regarding itemizing or using standard deduction. There may be other things she can do----she is still working and earning income, so she may be able to contribute to an IRA---unless she is already doing so and has reached the limit on that.
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