Page 10 THE MALDEN ADVOCATE–Friday, February 27, 2026 Savvy Senior by Jim Miller Do I Need to File a Tax Return This Year? Dear Savvy Senior, What are the IRS income tax filing requirements for retirees this tax season? I didn’t file a tax return last year because my income was below the filing threshold, but I got a part-time job in 2025, so I’m wondering if I need to file this year. Semi-retired Joe Dear Joe, Whether you need to file a federal income tax return this year depends on several factors: how much you earned in 2025, the source of your income, your age, and your filing status. Here’s a quick guide to this year’s IRS filing thresholds. For most people, it’s straightforward: if your gross income (all taxable income, excluding Social Security benefits unless you’re married and filing separately) is below the threshold for your filing status and age, you generally do not need to file. But if it’s over, you will. 2025 IRS Federal Filing Thresholds: • Single: $15,750 ($17,750 if you’re 65 or older by Jan. 1, 2026). • Married filing jointly: $31,500 ($33,100 if one spouse is 65 or older; or $34,700 if you’re both over 65). • Married filing separately: $5 at any age. • Head of household: $23,625 ($25,625 if 65 or older). • Qualifying surviving spouse: $31,500 ($33,100 if 65 or older). For a detailed breakdown, including taxable vs. nontaxable income, you can request a free copy of the IRS “1040 and 1040-SR Instructions for Tax Year 2025” by calling 800-829-3676, or view it online at IRS.gov/pub/irs-pdf/i1040gi.pdf. Check Here Too Be aware that there are other financial situations that can require you to file a tax return, even if your gross income falls below the IRS filing requirements. For example, if you earned more than $400 from self-employment in 2025, owe any taxes on an IRA, Health Savings Account or an alternative minimum tax, or get premium tax credits because you, your spouse or a dependent is enrolled in a Health Insurance Marketplace plan, you’ll need to file. You may also need to file if you’re receiving Social Security benefits, and one-half of your benefits plus your other gross income and any tax-exempt interest exceeds $25,000, or $32,000 if you’re married and filing jointly. To figure all this out, the IRS offers an online tax tool that asks a series of questions that will help you determine if you’re required to file, or if you should file because you’re due a refund. It takes less than 15 minutes to complete. You can access this tool at IRS.gov/help/ita – click on “Filing Requirements – Do I need to file a tax return?” Or you can get assistance over the phone by calling the IRS helpline at 800-829-1040. Check Your State Even if you’re not required to file a federal tax return this year, don’t assume that you’re also excused from filing state income taxes. The rules for your state might be very different. Check with your state tax agency before assuming you’re off the hook. A complete list of state tax agencies is available at Taxadmin.org/fta-members. Tax Prep Help If you find that you do need to file a tax return this year, you can Free File at IRS.gov/freefile, which is a partnership program between the IRS and tax software companies. Your 2025 adjusted gross income must be below $89,000 to qualify. If you need some help with your tax returns, the IRS sponsored Tax Counseling for the Elderly (TCE) program provides free tax preparation and counseling to middle and low-income taxpayers, age 60 and older. Call 800-906-9887 or visit IRS.treasury.gov/freetaxprep to locate services near you. You can also get help through the AARP Foundation Tax-Aide service at AARP.org/findtaxhelp or call 888-227-7669. You don’t have to be an AARP member to use this service. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior. org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. 1. On February 27, 1951, the 22nd Amendment to the Constitution was ratified; what does it limit? 2. What game show that involved trivia and performing stunts is also the name of a city in New Mexico? 3. On February 28, 2013, what Pope resigned whose name is like a breakfast dish? 4. What novel with the March family is by an author with a name including a month? 5. On March 1, 1872, Congress established what that was the world’s first national park? 6. What future president as a child harvested maple sap? 7. What hit by the Sugarhill Gang was the first Top 40 rap single on the Billboard Hot 100? 8. What American painter who started her career late in life painted “Sugaring-Off in the Maple Orchard”? 9. On March 2, 1965, what film with the songs “My Favorite Things” and “Do-Re-Mi” premiered? 10. William Wordsworth’s poem “I Wandered Lonely as a Cloud” is about what flower? 11. In what country that starts with U is March known as the month of birches? 12. At the 2026 Super Bowl, what “first” type of ceremony happened? 13. In February 2026, a former Chief Mouser of what country died in Bermuda? 14. March 3 is Canadian Bacon Day; a chef of what famous NYC hotel (with a salad name in its name) is credited with inventing Canadian bacon in Eggs Benedict? 15. In what book would you find “paroxysm,” “victuals” and “wuthering”? 16. In what 2026 Winter Olympics sport did a dog briefly join the competition? 17. On March 4, 1776, General George Washington fortified Dorchester Heights, forcing the British to evacuate what? 18. Can you see everything with a microscope? 19. What exactly is a sugar bush? 20. On March 5, 1868, whose impeachment trial began? ANSWERS 1. How many terms a president can serve (only two) 2. “Truth or Consequences” 3. Benedict XVI (Eggs Benedict) 4. “Little Women” by Louisa May Alcott (also the sequels “Little Men” and “Jo’s Boys”) 5. Yellowstone 6. Calvin Coolidge 7. “Rapper’s Delight” 8. Grandma Moses (Anna Mary Robertson Moses) 9. “The Sound of Music” 10. Daffodil 11. Ukraine (March is when birch sap is tapped.) 12. A wedding at halftime 13. The United Kingdom, which has had many Chief Mousers (cats) in the government 14. Waldorf Astoria ( Waldorf salad) 15. “Wuthering Heights” by Emily Brontë (wuthering is a Northern English adjective) 16. Women’s team cross-country sprint 17. Boston 18. No; atoms can be seen with a special microscope, but smaller particles cannot be seen. 19. A woods with mostly sugar maples 20. Andrew Johnson’s
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