All right. Well, let's move on to that question from Swiss Cheese. It says, the wife and I have a unique tax circumstances so we file married filing separately so one can you speak to financial planning implications of

filing separately and two,

we're currently doing Roth 503B but want to do a Roth IRA.

Can I do a backdoor while married filing separately?

So can you just give a little guidance on this unique situation?

So one of the unique things, so people, a lot of people don't realize this is that when it comes time to file your tax return you can kind of

choose your filing status. Some couples can choose married filing joint return which is the common

the common filing

for couples, but some other folks you can elect to do a married filing separate return

where there are different limits and different rules that apply to each of your incomes.

You essentially report your incomes independent of one another

and you fill out your taxes accordingly.

And in some scenarios when you actually look at the bottom line taxes paid,

it could be more advantageous in certain circumstances to file married filing separately versus married

filing jointly. Now Swiss, I don't know what the answer is in your case. But here's what you do need to know.

And Brian, you've done taxes for like a gazillion years, a train CPA, which is super, super

impressive.

When you change your filing status, whether you're going from single to married filing jointly or married filing jointly to head of household or married falling jointly to marry

separately, the tax rules that apply to you and even some of the things that make you eligible for things

like Roth contributions and Roth income limits begin to change.

So one of the things I would encourage you to look at, and most accounting software will allow you to do

this or if you have a really good account it'll let you do this you can run your return one way

...