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Personal Finance (Not Investing) • Re: Married filing jointly

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From a tax perspective, if you're married on the last day of the year, you really only have two filing status choices: MFJ or MFS. In almost all cases, MFJ will produce a lower tax bill than MFS, but you can check both ways to be sure. MFS is really only designed for couples who can't find a way to agree on taxes but also don't want to face failure-to-file penalties.

State law might also come into play. I live in a community property state, and any debt created by one spouse belongs half to each, with some limited exceptions. There are also non-community property states, where the rules are different.

Negotiating with your spouse sounds like more of a relationship question than a personal finance question. Good luck on that, but probably out of bounds for discussion here.

Statistics: Posted by secondcor521 — Sat Feb 01, 2025 5:34 pm



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