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Is it possible for someone to file as single even if they're married?

Posted on 2/5/23 at 9:39 pm
Posted by Greenie10
Member since Apr 2019
217 posts
Posted on 2/5/23 at 9:39 pm
The receptionist at my office is married. She was bragging at work about how she files as single b/c she gets a bigger refund than if she combines her income with her husband which would put them in a higher tax bracket. She probably makes about $45k a year, but with the standard deduction, it's probably about $33k right?

Is this really a thing? I don't see how it's beneficial at all.
Posted by LSUFanHouston
NOLA
Member since Jul 2009
37068 posts
Posted on 2/5/23 at 9:50 pm to
If you are married, you are supposed to file jointly or married filing single. There is an exception that applies to certain people who are seperated and have been seperated for the last 6 months of the tax year.

Having said that... there are certainly people who file single when they are married, and they just haven't been caught.
Posted by Lightning
Texas
Member since May 2014
2300 posts
Posted on 2/6/23 at 1:54 pm to
You actually lose certain benefits like dependent care credit and student loan interest deductions if you file as Married Filing Single versus Married Filing Jointly. It usually only makes sense if there is a huge income disparity or one spouse has exceptionally high medical expenses that year.

Are you sure that they are legally married? If they aren't but just present themselves as married, she may be filing HOH and claiming the kids.
Posted by lsu13lsu
Member since Jan 2008
11476 posts
Posted on 2/6/23 at 1:58 pm to
The only reason I have ever found someone want to file married filing separately is asset protection.

The two have large estates prior to getting married and want to keep it all separate or one has a risky business and wants to keep it all separate.
Posted by lsu13lsu
Member since Jan 2008
11476 posts
Posted on 2/6/23 at 1:59 pm to
quote:

You actually lose certain benefits like dependent care credit and student loan interest deductions if you file as Married Filing Single versus Married Filing Jointly. It usually only makes sense if there is a huge income disparity or one spouse has exceptionally high medical expenses that year.


Wealthy people who file this way don't get those benefits anyway.
Posted by slackster
Houston
Member since Mar 2009
84767 posts
Posted on 2/6/23 at 2:12 pm to
quote:

She was bragging at work about how she files as single b/c she gets a bigger refund than if she combines her income with her husband which would put them in a higher tax bracket. She probably makes about $45k a year, but with the standard deduction, it's probably about $33k right?


She sounds like the kind of person who would pass up a raise because she doesn’t want to be in a higher tax bracket.
Posted by lsu13lsu
Member since Jan 2008
11476 posts
Posted on 2/6/23 at 2:14 pm to
quote:

She sounds like the kind of person who would pass up a raise because she doesn’t want to be in a higher tax bracket.


Or buy something she doesn't need to get a tax writeoff.
Posted by Hermit Crab
Under the Sea
Member since Nov 2008
7166 posts
Posted on 2/6/23 at 2:38 pm to
Sounds like a marriage where they have separate finances and even though it is beneficial for them to file jointly, she doesn't want to lose her tax refund.
Posted by slackster
Houston
Member since Mar 2009
84767 posts
Posted on 2/6/23 at 2:40 pm to
quote:

Or buy something she doesn't need to get a tax writeoff.


“But it’s deductible”
Posted by tgdk11
Member since Nov 2017
1076 posts
Posted on 2/6/23 at 2:52 pm to
She may just be filing out her W-4 as single and 0, to take out more taxes throughout the year. So when they file as married to file taxes, she get a refund because of the withholdings throughout the year. Convinced herself it's a bonus vs lending gov a loan for a year.
Posted by GeauxldMember
Member since Nov 2003
4385 posts
Posted on 2/6/23 at 5:37 pm to
quote:

Having said that... there are certainly people who file single when they are married, and they just haven't been caught.


I know a baw who was doing this. He did get caught…and lost half of everything he owned.
Posted by cheobode
Member since Dec 2017
1159 posts
Posted on 2/7/23 at 3:15 pm to
quote:

Are you sure that they are legally married? If they aren't but just present themselves as married, she may be filing HOH and claiming the kids.


I know plenty of people who do this. Boyfriend makes six figures, girlfriend makes around $40K so she claims HOH and the kids to get a refund of around $6-7K.
Posted by mikearch
Member since Feb 2007
222 posts
Posted on 2/7/23 at 4:13 pm to
You can do this, all you have to do is bang your sister in law.
Posted by dgnx6
Baton Rouge
Member since Feb 2006
68536 posts
Posted on 2/7/23 at 4:23 pm to
Why would being single matter?

The deduction is the same if you do married separately. Its diff when filing jointly. The only way i see this as being a good thing is if you are getting like head of household status instead of single. But this would be fraud in her case.

I think your coworker is lying.


Actually, after thinking about it. Im guessing its so one of them can itemize and one can do standard. But they shouldnt be doing this.
This post was edited on 2/7/23 at 4:26 pm
Posted by Adam4848
LA
Member since Apr 2006
18955 posts
Posted on 2/8/23 at 6:18 am to
quote:

She may just be filing out her W-4 as single and 0, to take out more taxes throughout the year. So when they file as married to file taxes, she get a refund because of the withholdings throughout the year. Convinced herself it's a bonus vs lending gov a loan for a year.
Posted by baldona
Florida
Member since Feb 2016
20432 posts
Posted on 2/8/23 at 6:53 am to
quote:

She may just be filing out her W-4 as single and 0, to take out more taxes throughout the year. So when they file as married to file taxes, she get a refund because of the withholdings throughout the year.


This, lol. People are idiots when it comes to taxes OP. Many people think that since they got a huge refund they did something right, when in reality all that often times means is they gave Uncle Sam a bigger loan of their own money.

It’s likely she is either lying, ignorant, or dumb. She probably got less on her paychecks all year then if she filed jointly and this is getting a bigger ‘refund’.
Posted by gerald65
Moss Bluff, LA
Member since Jul 2020
710 posts
Posted on 2/8/23 at 9:35 am to
In this situation, wouldn't filing as single for both put him in a higher tax bracket? So there total taxes owned for the couple would be more than if they filed as married jointly?
Posted by timdonaghyswhistle
Member since Jul 2018
16279 posts
Posted on 2/8/23 at 5:16 pm to
She could get an even bigger refund by withholding more throughout the year, which would be incredibly stupid.
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