Why are you trying to enter their IRA into your return? You each have to file your own returns as MFS or Head of Household if you qualify. What state are you in? You maybe in a Community Property state which gets tricky.
And may I ask why you are filing separate returns? Sometimes people don't realize the differences between filing Joint and MFS.
Joint is almost always better. Here's some things to consider about filing separately……
Many people think they come out better when filing Married Filing Separate but they are probably doing it wrong. If one person itemizes deductions on Schedule A then the other one must itemize too, even if it's less than the standard deduction, even if it is ZERO! And if you are in a Community Property state it can be complicated to figure out.
And there are several credits you can't take when filing separately, like the
EITC Earned Income Tax Credit
Child Care Credit
Educational Deductions and Credits
And contributions to IRA and ROTH IRA are limited when you file MFS.
Also if you file Married Filing Separately up to 85`% of your Social Security becomes taxable right away even with zero other income.
See …….
https://ttlc.intuit.com/community/married/help/is-it-better-for-a-married-couple-to-file-jointly-or-...
