Retirement tax questions

You should file as Married Filing Jointly.  Your tax brackets are lower then if you file separately.  Go to this IRS website for the tax brackets - https://www.irs.gov/filing/federal-income-tax-rates-and-brackets

 

Standard deductions for 2024

Single - $14,600 add $1,950 if age 65 or older
Married Filing Separately - $14,600 add $1,550 if age 65 or older
Married Filing Jointly - $29,200 add $1,550 for each spouse age 65 or older
Head of Household - $21,900 add $1,950 if age 65 or older