In order to really fix it, it becomes very complicated. They need special rules for two working spouses.

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This is a conversation I have with clients all the time.

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Pay the mortgage off last.

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People have heard about [various tax breaks] and don't truly understand how they work in terms of dollars.

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People get very nervous they won't spend the money.

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But there are occasions when separate filings make more sense. For example, when one taxpayer has lot of itemized deductions and the other taxpayer has very little income.

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