去年生有一娃,购有一房,两个贷款。夫AGI $78,000,妻AGI$52,000,共$130,000. 若合报,不能拿一分child tax credit,也无法申报child dependent care expenses (国内来老人照顾且 Taxable Income 接近以减少mariage penalty. 可多拿$800. Sound odd.一般而言,合报优于分开报。请赐教,对? 错? Anything missing? 多谢多谢!