After you file

Hi, I have ran it both ways multiple times and MFS comes out better. We do not qualify for any of the credits you mentioned, the child tax credit remains $2,000 since the tax reform in 2018 and I qualify for the full stimulus amounts that were paid in 2019 as well as $1100 more in stimulus money since we had a baby in 2020. With MFJ we make 175k so we qualify for no stimulus money since the 2019 payments are adjusted based on 2020 income. MFS I will also qualify for the increased 2021 child tax credit of $3600. Under MFJ  we would only get the $2,000. So, will you please explain to me why MFS would not be better? Am I missing something? I make just over 75k and my husband makes over 100k