if you're married, i know many people think, hey, roni, i file jointly with my spouse. here's what i say. you've got to think that through. are you going to file jointly and qualify for wonderful additional tax credits and deductions like the american opportunity tax? the earned income tax. the child independent care tax. or deductions like student loans and college tuition. again, those credits and deductions are available to you. but let's face it, richard, many people have no business filing jointly and instead should elect filing separately. even though they love their husband or their wife. >> you were talking about how to keep our tax bills low. buying a home, quickly, how might that help? we talked about it, of course many of us have, because of that deduction of interest. >> the home buyer's tax credit is worth $8,000. any time the irs is going to give you a gift of $8,000, i