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Retirement tax questions
@missgwee - agree with all the advise above. and this is why filing separate is a 'bad idea:
if you don't file "joint", then YOU have file "Married- Filing Separate" in which case your standard deduction is only half what it would be by filing "joint" AND you income is subject to a higher tax bracket. You'd pay more tax than filing joint on the same income.
Further, because you are filing "separate" (and presumably you two lived together for any part of 2022), HALF of his social security is AUTOMATICALLY considered part of his gross income - that is a special IRS rule for determining how much of social security is taxable when filing separate and still living togeher. if his social security income is greater than around $33,750, (which would mean his adjusted gross income would be over the standard deduciton of $14,350), he would have a filing requirment and some of his social security income would be taxed. (the rule disincents married couples from filing 'separate'!