HelenC12, thank you for that explanation. I think I am beginning to understand. To further clarify, his wife is not at retirement age yet and makes about $30K/yr. Neither one of them is itemizing their returns. When I use turbo tax and work their forms together, married filing jointly, the "federal tax due" box takes about a $1,300 hit. So, I guess filing Married/separatly is the best way to go? Is there a document that you can link to help me better explain this to them?
