Hello,
Thank you for participating. Great questions.
You can file MFJ for Federal and MFS for the state will be the best option. Tennessee does not have state income tax so you will not need to file a return for Tennessee. Your husband can file a MFS return for Arkansas.
You can contribute to Roth IRA even if you file MFS as long as your modified adjusted gross income as MFS filer does not exceed $144,000 for the year 2022. Versus if you file MFJ, then you can contribute to Roth IRA as long as your modified adjusted gross income does not exceed $214,000.
Amount of Roth IRA Contributions That You Can Make for 2022
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