It's Wednesday and this is the Ramsey call of the day.

Part of the Ramsey Network.

Joining me today is Ramsey personality, Dr. John Deloney.

Julie is going to be next in Chicago.

Hi, Julie.

Welcome to the Dave Ramsey Show.

Hi, thank you so much for taking my call.

It's an honor to speak with you both.

You too.

How can we help?

Well, my boyfriend and I were friends for about 20 years and became a couple about 17 years ago.

We were both divorced at the time. He has three kids. I have two kids. All five of them are

beautiful, amazing kids, all wonderful adults now. The thing is,

is that we've always raised our kids in separate households. So we've never, you know,

lived together. We've not combined anything together. And I'm going to be 55 this year. He's going to be 53. So I'm wondering at this

point, now that the kids are adults, should we get married at this point? Because, you know,

I've been told that there's a marriage penalty. His income is higher than mine, significantly higher than mine,

mine fell because of COVID, unfortunately. But if we combine households,

then I'll lose head of household and then I'll be added in and then be at a higher tax

rate. So I was just wondering what you thought about that.

Yeah. You won't be significantly higher tax rate.

There may be a little bit of a bump married filing jointly, but very little.

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