Hi KM81118,
Thank you for this question!
Responsibility for Spouse's Tax Debt
If your husband passes away, generally you are not responsible for his tax debt unless it's a shared debt or you live in a community property state. In community property states, spouses may share responsibility for debts incurred during the marriage.
Deducting Medical Expenses
You can deduct medical expenses that exceed 7.5% of your adjusted gross income (AGI) if you choose to itemize your deductions. Since your expenses are about 35% of your annual income, you would likely be able to deduct a significant portion. Make sure to keep detailed records and receipts of all medical expenses in case of an IRS audit
Filing Separately and Roth IRA Contributions
When filing separately, there are income limits for contributing to a Roth IRA. For 2024, if your modified adjusted gross income (MAGI) is less than $10,000, you can contribute to a Roth IRA. However, if your MAGI is $10,000 or more, you cannot contribute. Given your income of $90,000, you would not be eligible to contribute to a Roth IRA if you file separately.
Good luck to you!
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