Thanks for the reply. My responses to your comments are below
And there are several credits you can't take when filing separately, like the
EITC Earned Income Tax Credit - I don't qualify for
Child Care Credit - Not Applicable
Educational Deductions and Credits - We don't qualify for in filing MFJ
And contributions to IRA and ROTH IRA are limited when you file MFS. - We don't qualify to make any contributions MFJ
Also if you file Married Filing Separately up to 85`% of your Social Security becomes taxable right away even with zero other income. We don't claim Social Security
