Retirement tax questions

[Edited: 1/30].....usually, we recommend that MFS is to be avoided in most situations.  It is difficult to model using an Online account, because fully separate Online accounts should be used, otherwise you risk messing up your MFJ tax file.  Desktop software is far easier to use to test out the MFJ vs MFS situations since many different tax files can be created easily.   Not so with the Online software
 
But if you choose to do so (test MFS) , plan on spending several weeks at it.  Doing MFS tax returns should not be considered an easy process if you've never done it before.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*