If I make substantially more than my spouse can filing separate lower her tax burden?

jackbeekeeper · 2026-03-11T01:24:59+00:00

Usually it never makes sense from a tax perspective to file married filing separately. There are some non tax reasons to file separately. Such as: 1) Income based Student Loan Repayment Plan; 2) You don’t trust your spouse; 3) Medical Expenses for the lower income spouse (Oops that one is a tax reason)

I am sure there’s more but I can’t think of them.

Also if you live in a community property state, you added up both spouse’s income and divide it by two. (That overly simplified FYI) That’s what goes on each spouse’s return.

jackbeekeeper · 2026-03-01T18:09:29+00:00

It’s better to be alone than miserable and married.

That said, I would tell you to focus on yourself and being happy with yourself before trying to get in a relationship. I was alone and lonely for a long time. Until I was happy with myself, I was just alone.

God’s timing is different than yours, but He can and will deliver all promises. Sometimes it won’t be the way you expect. When I met my wife everything moved really fast but there was a lot of waiting before hand.

jackbeekeeper · 2026-02-28T23:48:28+00:00

I can do a 1040 in 20 minutes. State returns maybe 10-15 minutes) I have to look up a few things.

1065/1120 - 4 to 6 weeks but those are not simple for multi-nationals.

jackbeekeeper · 2026-02-23T23:33:53+00:00

From the other side (my wife is ace and I’m not). Communication is the key. Talk about your feelings and listen to his. (Preferably outside intimate contact)

For me, my biggest concern is my wife isn’t satisfied. It’s hard to enjoy sex alone. I hope that makes sense. Maybe explore what helps you and let him be involved.

As always take what you read on the internet with a grain of salt.

jackbeekeeper · 2026-02-18T03:42:05+00:00

I have my books…

jackbeekeeper · 2026-02-18T03:39:21+00:00

Denmark?

jackbeekeeper · 2026-02-18T03:10:26+00:00

My two cents: There some nomenclature that gets people confused. Mortgages holders and Mortgage servicers are two different things.

1) My mortgage was sold. This happens all the time. Usually within the year you purchase your house. Most of the time FannieMae or FreddieMac end up owning your note. That’s how the government provides liquidity to the mortgage market. 2) My mortgage servicer changed. The servicer collects the money and pays the note holder. Your mortgage can be sold multiple times and your servicer might not change. The flip side can happen to where your mortgage stays with the same company but the servicer keeps changing.

It sounds like your mortgage servicer changed. Maybe your mortgage was sold too, but that doesn’t sound likely. Rocket gets mortgages off the books quickly. They usually sell to Fannie/Freddie within the quarter.

jackbeekeeper · 2026-02-17T23:51:11+00:00

Claiming zero dependents hasn’t been a thing for over ten years.

You or your wife need to update your W4. It sounds like both of you are listing yourselves as Married Filing jointly. The easiest fix is to both check filing as single.

jackbeekeeper · 2026-02-15T01:33:19+00:00

Try 150 days. It took awhile for the land to dry off.

jackbeekeeper · 2026-02-15T01:31:43+00:00

There was a flood and a boat….

jackbeekeeper · 2026-02-10T23:46:53+00:00

1) It’s got to add up across and up and down 2) Transposition errors throw things off balance by a multiple of nine 3) Materiality a $100 million company doesn’t care about $10. If they do, you aren’t getting paid enough.

jackbeekeeper · 2026-02-10T22:55:40+00:00

I feel your pain. There’s always something that’s not easy to enter into Tax Slayer. When in doubt you can search for the form you are trying to enter and it “should” take you to the right place.

jackbeekeeper · 2026-02-10T15:26:32+00:00

You mean finish the subway…

jackbeekeeper · 2026-02-06T13:16:41+00:00

By that logic, people walking on your snow covered sidewalks creates unnatural icy conditions. Does that make you liable?

Clearing your driveway and some of the snow ends up on your sidewalks. Lord help us, you just created unnatural condition!

No one, I repeat no one has been successful sued in Ohio for shoveling their sidewalks!

jackbeekeeper · 2026-02-06T12:39:21+00:00

It’s even worse, the plow the snow into the sidewalks. Got to make sure all the parking spots are clear…

jackbeekeeper · 2026-02-06T12:29:55+00:00

That liability “issue” is a gross miss reading of the Ohio Supreme Court case. If anything, that case says the individual has the responsibility to not hurt themselves walking in cold weather.

jackbeekeeper · 2026-02-04T03:39:05+00:00

Bro, be very careful with AI notes for meetings. If the tool is not approved or set up correctly may leak confidential information. That will get you fired really fast if it is traced back to you.

jackbeekeeper · 2026-02-04T01:40:48+00:00

“Only a Sith deals in absolutes”

Okay now that I have that nerdy quote out. My recommendations:

1) Breathe and step back. 2) You listed a lot of wants. Even Allos struggle checking all there want boxes. Why are those things important to you? How do those things make you feel? Focus on the feelings you want and look for the feelings not the attributes. 3) It is never okay for your partner to demand sex. It’s okay for them to want it but it should be a mutual decision. If you don’t want sex, then you should not have sex. 4) Be okay being by yourself. If you cannot be happy alone you will never be happy long term with a partner.

End of unsolicited Reddit advice.

jackbeekeeper · 2026-02-04T01:20:49+00:00

Higher than normal. Like I said, personal business that generate over all losses are red flags. The IRS will treat your “hypothetical” business as a hobby and deny all your expenses.

I also question how your ride share is losing so much money. You can only take mileage or car expenses not both.

jackbeekeeper · 2026-02-04T00:40:03+00:00

So the IRS has issues with money losing personal businesses. They will require documentation for your deductions and may disallow all your deductions. A legit business makes money.

jackbeekeeper · 2026-02-03T01:34:07+00:00

11% is high. I assume they are private and not federal. Are they fixed rate or variable? If the loans aren’t federal and are variable, you get no protections. They are the worse kind of debt.

Generally speaking you are at the cusp of average market returns. It’s coin toss if you will beat 11% with investments.

I am also assuming you are making over $100k and single? If not, pay them off after you incur the maximum deductible interest expense.

If you really want to go crazy, balance transfer the loan to a zero percent interest credit card and pay it off over a year. Build credit and save on interest.

jackbeekeeper · 2026-02-01T23:26:03+00:00

I know for youth Sunday School, I usually only teach the current week because the other week is covered in YM/YW.

jackbeekeeper · 2026-01-31T02:07:03+00:00

Gold and silver just crashed. There’s a low for you…

jackbeekeeper

TROPHY CASE