2020 was an unusual year. If one spouse became unemployed it is possible that Married Separate will make a BIG difference in the refund. If the unemployed spouse received unemployment benefits, and their MAGI is under $150,000 there is a very good chance that filing Married Separate is beneficial (if MAGI is over $150,000 when filing jointly). I do not use the online version of Turbo Tax. Do a proforma version as Married Joint and then do each spouse as Married Separate to see the impact. This could pay for your vacation!
