Ok, I recently learned that if you have a Roth IRA and file your taxes as "Married, Filing Separately" there's a penalty of $360.

We've filed this way since I've had a business for tax savings. 2008 was my first year with a Roth IRA. I think it's a crock. I had to reclassify my Roth as an investment account. This is a little known rule from what my accountant tells me.

I just wanted to vent about it.