<p>配偶对伴侣隐瞒小秘密是一回事，隐瞒一笔 82000 美元的税单则是另一回事。</p>
<p>这就是来自蒙大拿州的爱丽丝所面临的情况，她写信给《拉姆齐秀》。她的丈夫在 2021 年未支付 82000 美元的税单。现在，国税局正准备对他们的房子采取行动，而她想知道是应该申请第二抵押贷款来支付这笔账单，还是出售房子。</p>
<p>“我感到被蒙在鼓里和背叛，” 她在信中写道。拉姆齐的回应是：“真是一团糟！”</p>
<h2>不要错过</h2>
<ul>
<li>多亏了杰夫·贝索斯，你现在只需 100 美元就可以成为房东——而且，你不需要处理租户或修理冰箱。方法如下</li>
<li>我 49 岁了，退休金一分钱都没有——我该怎么办？别慌。这是你可以快速赶上的 6 种最简单的方法</li>
<li>罗伯特·清崎警告美国即将迎来 “更大的萧条”——数百万美国人将陷入贫困。但他说这两种 “轻松赚钱” 的资产将带来 “巨大的财富”。如何现在就开始投资</li>
</ul>
<h2>财务不忠</h2>
<p>爱丽丝和她丈夫的财务状况并不总是顺利，正如她提到的过去破产所示。然而，得益于她丈夫在 2021 年房地产生意的强劲表现，他们最终欠国税局 82000 美元。</p>
<p>这笔钱在丈夫的商业账户中，因此爱丽丝信任他会支付这笔款项。相反，他用这笔钱来支付其他商业开支和一个失败的副业，而没有告诉她。他还忽视了他们的会计师。</p>
<p>他们的注册会计师最终在 2023 年为他们报税，但没有签名——拉姆齐称这一行为是非法的。</p>
<p>“这可是让注册会计师进监狱的好方法，” 他打趣道。</p>
<p>爱丽丝的丈夫随后继续向她隐瞒有关税务债务的国税局通知。她只是在签收国税局的一封证书信时才发现，信中表示该机构打算对他们的房子进行 150000 美元的扣押。</p>
<p>爱丽丝向拉姆齐寻求指导：她应该购买丈夫的房屋份额，还是用第二抵押贷款来支付国税局的账单？拉姆齐假设爱丽丝所说的 “买断他” 是指她打算与丈夫离婚。在与共同主持人瑞秋·克鲁兹开玩笑讨论她是否是指 “保释他” 后，拉姆齐补充说，作为一名护士，爱丽丝的工资中可能已经扣除了税款。</p>
<p>现在，如果爱丽丝和她的丈夫打算去婚姻咨询，那么，凭借他在房地产的收入和她的护理收入，他们可以自己偿还税务债务。但拉姆齐补充说，如果她要离婚，爱丽丝应该出售房子。对爱丽丝来说有一个好消息：在离婚的情况下，她可能不需要对这些税款负责。</p>
<p>“你可以根据所谓的无辜配偶条款进行申报，” 他解释道。“你并不知道这些税款；你也不知道产生这些税款的商业活动。”</p>
<p>因此，拉姆齐表示，即使她在债务发生时的申报状态是已婚共同申报，国税局也不应该让她承担责任。然而，他建议爱丽丝雇佣一位经验丰富的税务律师或知识渊博的注册会计师来为她辩护。</p>
<p>拉姆齐补充说，如果房子有留置权并被出售，国税局只能从丈夫的部分中扣除款项，前提是爱丽丝获得无辜配偶救济的批准。但这只有在他们离婚的情况下才有效。否则，爱丽丝和她的丈夫需要努力重建信任。</p>
<p><strong>保持了解。加入超过 200,000 名读者，每周免费将 Moneywise 的最佳内容直接发送到您的收件箱。立即订阅。</strong></p>
<h2>无辜配偶救济的运作方式</h2>
<p>国税局的无辜配偶救济计划旨在保护像爱丽丝这样的人，免于在配偶在共同报税时未支付税款而他们对此毫不知情的情况下承担责任。</p>
<p>如果你处于类似的情况，你可能有资格申请无辜配偶救济。然而，该救济仅适用于配偶的收入税。你不能为自己的收入、家庭雇佣税、商业税或某些其他税款申请无辜配偶救济。</p>
<p>如果满足以下条件，你可以申请无辜配偶救济：</p>
<ul>
<li>你和你的配偶提交了联合税表</li>
<li>你的税款因错误而被低报</li>
<li>你不知道税表上的错误</li>
<li>你居住在社区财产州</li>
</ul>
<p>国税局指示人们在意识到自己需要承担税款时尽快申请无辜配偶救济。你还必须在收到国税局关于税款通知后的两年内申请无辜配偶救济。</p>
<p>国税局还表示，如果你没有签署或同意与配偶共同提交税表，你可能能够限制自己对配偶税款的责任。你可以拨打税务债务通知上的电话号码以了解更多信息。</p>
<p>这种情况可能适用于爱丽丝，因为她表示他们的会计师在没有他们签名或同意的情况下提交了他们的税表。当然，申请无辜配偶救济并不保证获得批准。根据杰克逊·休伊特税务服务公司，2021 年，国税局收到了超过 26000 份无辜配偶救济申请，但仅批准了约 4800 份。</p>
<p>由于批准并非保证，并且涉及许多细微差别，最好咨询一位在该领域具有专业知识的税务专业人士，而不是试图自己获得救济。</p>
<h2>接下来阅读什么</h2>
<ul>
<li>想在退休时多得 130 万美元吗？戴夫·拉姆齐表示，这个 7 步计划 “每次都有效”，可以消除债务，在美国致富——而且 “任何人” 都可以做到</li>
<li>如果你不想当房东，这里有 5 种简单的方法可以通过房地产致富。你甚至可以从 10 美元开始</li>
<li>富有的年轻美国人正在抛弃动荡的股市——这里是他们正在投资的替代资产</li>
<li>这里有 5 种美国人（几乎）总是支付过高价格的 “必备” 物品——而且很快就会后悔。哪些在伤害你？</li>
</ul>
<p><em>本文仅提供信息，不应被视为建议。提供时不附带任何形式的保证。</em></p>

DAVE

<p>来自蒙大拿州的爱丽丝发现她结婚 21 年的丈夫未支付 82,000 美元的税款，导致国税局威胁要查封他们的房子。在寻求戴夫·拉姆齐的建议时，她面临着是否申请第二次抵押贷款或出售房子的两难选择。拉姆齐建议她可能有资格申请无辜配偶救济，以保护她免受丈夫行为的责任。他建议咨询税务律师，并强调在未来的婚姻中信任的重要性</p>

<p>It's one thing for a spouse to keep a minor secret from their partner — it's another thing to hide an $82,000 tax bill.</p>
<div class="lb-trans"><p>配偶对伴侣隐瞒小秘密是一回事，隐瞒一笔 82000 美元的税单则是另一回事。</p>
</div><p>That's the situation Alice in Montana found herself in when she wrote to <em>The Ramsey Show</em>. Her husband of 21 years failed to pay an $82,000 tax bill from 2021. Now, the IRS is coming after their home, and she wants to know if she should take out a second mortgage to cover the bill or sell it.</p>
<div class="lb-trans"><p>这就是来自蒙大拿州的爱丽丝所面临的情况，她写信给《拉姆齐秀》。她的丈夫在 2021 年未支付 82000 美元的税单。现在，国税局正准备对他们的房子采取行动，而她想知道是应该申请第二抵押贷款来支付这笔账单，还是出售房子。</p>
</div><p>&#34;I feel blindsided and betrayed,&#34; she wrote in. Ramsey's response? &#34;What a mess!&#34;</p>
<div class="lb-trans"><p>“我感到被蒙在鼓里和背叛，” 她在信中写道。拉姆齐的回应是：“真是一团糟！”</p>
</div><h2>Don't miss</h2>
<div class="lb-trans"><h2>不要错过</h2>
</div><ul>
<li>Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how</li>
<li>I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)</li>
<li>Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in ‘great wealth’. How to get in now</li>
</ul>
<div class="lb-trans"><ul>
<li>多亏了杰夫·贝索斯，你现在只需 100 美元就可以成为房东——而且，你不需要处理租户或修理冰箱。方法如下</li>
<li>我 49 岁了，退休金一分钱都没有——我该怎么办？别慌。这是你可以快速赶上的 6 种最简单的方法</li>
<li>罗伯特·清崎警告美国即将迎来 “更大的萧条”——数百万美国人将陷入贫困。但他说这两种 “轻松赚钱” 的资产将带来 “巨大的财富”。如何现在就开始投资</li>
</ul>
</div><h2>Financial infidelity</h2>
<div class="lb-trans"><h2>财务不忠</h2>
</div><p>Alice and her husband's finances weren't always smooth, as evidenced by her alluding to a past bankruptcy. However, thanks to a strong 2021 for her husband's real estate business, they wound up owing the IRS $82,000.</p>
<div class="lb-trans"><p>爱丽丝和她丈夫的财务状况并不总是顺利，正如她提到的过去破产所示。然而，得益于她丈夫在 2021 年房地产生意的强劲表现，他们最终欠国税局 82000 美元。</p>
</div><p>The money was in the husband's business account, so Alice trusted him to pay them. Instead, he used it to cover other business expenses and a failed side venture without telling her. He also blew off their accountant.</p>
<div class="lb-trans"><p>这笔钱在丈夫的商业账户中，因此爱丽丝信任他会支付这笔款项。相反，他用这笔钱来支付其他商业开支和一个失败的副业，而没有告诉她。他还忽视了他们的会计师。</p>
</div><p>Their CPA eventually filed their taxes for them in 2023, sans signatures — an act Ramsey called illegal.</p>
<div class="lb-trans"><p>他们的注册会计师最终在 2023 年为他们报税，但没有签名——拉姆齐称这一行为是非法的。</p>
</div><p>“That’s a good way for the CPA to end up in jail,” he quipped.</p>
<div class="lb-trans"><p>“这可是让注册会计师进监狱的好方法，” 他打趣道。</p>
</div><p>Alice's husband then proceeded to hide IRS notices from her regarding the tax debt. She only found out when she signed for a certificate letter from the IRS saying the agency intends to levy their home for $150,000.</p>
<div class="lb-trans"><p>爱丽丝的丈夫随后继续向她隐瞒有关税务债务的国税局通知。她只是在签收国税局的一封证书信时才发现，信中表示该机构打算对他们的房子进行 150000 美元的扣押。</p>
</div><p>Alice turned to Ramsey for guidance: should she buy her husband’s share of the house or use a second mortgage to cover the IRS bill? Ramsey assumed that by &#34;buy him out,&#34; Alice intended to divorce her husband. After bantering with co-host Rachel Cruze over whether she meant “bail him” out, Ramsey added that as a nurse, Alice probably had taxes withheld from her paychecks.</p>
<div class="lb-trans"><p>爱丽丝向拉姆齐寻求指导：她应该购买丈夫的房屋份额，还是用第二抵押贷款来支付国税局的账单？拉姆齐假设爱丽丝所说的 “买断他” 是指她打算与丈夫离婚。在与共同主持人瑞秋·克鲁兹开玩笑讨论她是否是指 “保释他” 后，拉姆齐补充说，作为一名护士，爱丽丝的工资中可能已经扣除了税款。</p>
</div><p>Now, if Alice and her husband intend to go to marriage counseling, then, between his real estate income and her nursing income, they can pay off the tax debt themselves. But Ramsey added that Alice should sell the house if she's getting a divorce. There was some good news for Alice: she may not be responsible for the taxes in the event of a divorce.</p>
<div class="lb-trans"><p>现在，如果爱丽丝和她的丈夫打算去婚姻咨询，那么，凭借他在房地产的收入和她的护理收入，他们可以自己偿还税务债务。但拉姆齐补充说，如果她要离婚，爱丽丝应该出售房子。对爱丽丝来说有一个好消息：在离婚的情况下，她可能不需要对这些税款负责。</p>
</div><p>&#34;You would file under what's called the innocent spouse provision,&#34; he explained. &#34;You were not aware of these taxes; you were not aware of the business activities that created these taxes.&#34;</p>
<div class="lb-trans"><p>“你可以根据所谓的无辜配偶条款进行申报，” 他解释道。“你并不知道这些税款；你也不知道产生这些税款的商业活动。”</p>
</div><p>Because of this, Ramsey said the IRS shouldn't hold her liable even if her filing status at the time of the debt was married filing jointly. However, he suggested that Alice hire a skilled tax attorney or a knowledgeable CPA to argue her case.</p>
<div class="lb-trans"><p>因此，拉姆齐表示，即使她在债务发生时的申报状态是已婚共同申报，国税局也不应该让她承担责任。然而，他建议爱丽丝雇佣一位经验丰富的税务律师或知识渊博的注册会计师来为她辩护。</p>
</div><p>Ramsey added that if the house has a lien and is sold, the IRS can only take the money out of the husband's portion if Alice gets approved for innocent spouse relief. But this only works if they get a divorce. Otherwise, Alice and her husband need to work on reestablishing trust.</p>
<div class="lb-trans"><p>拉姆齐补充说，如果房子有留置权并被出售，国税局只能从丈夫的部分中扣除款项，前提是爱丽丝获得无辜配偶救济的批准。但这只有在他们离婚的情况下才有效。否则，爱丽丝和她的丈夫需要努力重建信任。</p>
</div><p><strong>Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. Subscribe now.</strong></p>
<div class="lb-trans"><p><strong>保持了解。加入超过 200,000 名读者，每周免费将 Moneywise 的最佳内容直接发送到您的收件箱。立即订阅。</strong></p>
</div><h2>How innocent spouse relief works</h2>
<div class="lb-trans"><h2>无辜配偶救济的运作方式</h2>
</div><p>The IRS's innocent spouse relief program is designed to protect people like Alice from liability when their spouses underpay taxes on a joint tax return and they're unaware of it.</p>
<div class="lb-trans"><p>国税局的无辜配偶救济计划旨在保护像爱丽丝这样的人，免于在配偶在共同报税时未支付税款而他们对此毫不知情的情况下承担责任。</p>
</div><p>If you're in a situation like hers, you may be eligible for innocent spouse relief. However, that relief only pertains to taxes on your spouse's income. You cannot claim innocent spouse relief for your income, household employment taxes, business taxes or certain other taxes.</p>
<div class="lb-trans"><p>如果你处于类似的情况，你可能有资格申请无辜配偶救济。然而，该救济仅适用于配偶的收入税。你不能为自己的收入、家庭雇佣税、商业税或某些其他税款申请无辜配偶救济。</p>
</div><p>You can request innocent spouse relief if:</p>
<div class="lb-trans"><p>如果满足以下条件，你可以申请无辜配偶救济：</p>
</div><ul>
<li>You and your spouse filed a joint tax return</li>
<li>Your taxes were underreported in error</li>
<li>You did not know about errors on your tax return</li>
<li>You reside in a community property state</li>
</ul>
<div class="lb-trans"><ul>
<li>你和你的配偶提交了联合税表</li>
<li>你的税款因错误而被低报</li>
<li>你不知道税表上的错误</li>
<li>你居住在社区财产州</li>
</ul>
</div><p>The IRS instructs people to request innocent spouse relief as soon as they become aware that they’re on the hook for a tax bill. You must also request innocent spouse relief within two years of receiving a notice from the IRS about a tax bill.</p>
<div class="lb-trans"><p>国税局指示人们在意识到自己需要承担税款时尽快申请无辜配偶救济。你还必须在收到国税局关于税款通知后的两年内申请无辜配偶救济。</p>
</div><p>The IRS also says that if you didn't sign or consent to file a joint tax return with your spouse, you may be able to limit your responsibility for your spouse's taxes. You can call the number on your tax debt notice to learn more.</p>
<div class="lb-trans"><p>国税局还表示，如果你没有签署或同意与配偶共同提交税表，你可能能够限制自己对配偶税款的责任。你可以拨打税务债务通知上的电话号码以了解更多信息。</p>
</div><p>This situation may apply to Alice, as she stated that their accountant filed their tax return without their signatures or consent. Of course, applying for innocent spouse relief does not guarantee approval. According to Jackson Hewitt Tax Services, in 2021, the IRS received over 26,000 innocent spouse relief requests but only approved about 4,800.</p>
<div class="lb-trans"><p>这种情况可能适用于爱丽丝，因为她表示他们的会计师在没有他们签名或同意的情况下提交了他们的税表。当然，申请无辜配偶救济并不保证获得批准。根据杰克逊·休伊特税务服务公司，2021 年，国税局收到了超过 26000 份无辜配偶救济申请，但仅批准了约 4800 份。</p>
</div><p>Because approval is not guaranteed and there are many nuances involved, it may be best to consult a tax professional with expertise in the area rather than attempt to get relief on your own.</p>
<div class="lb-trans"><p>由于批准并非保证，并且涉及许多细微差别，最好咨询一位在该领域具有专业知识的税务专业人士，而不是试图自己获得救济。</p>
</div><h2>What to read next</h2>
<div class="lb-trans"><h2>接下来阅读什么</h2>
</div><ul>
<li>Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it</li>
<li>Here are 5 simple ways to grow rich with real estate if you don’t want to play landlord. And you can even start with as little as $10</li>
<li>Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead</li>
<li>Here are 5 ‘must have’ items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you?</li>
</ul>
<div class="lb-trans"><ul>
<li>想在退休时多得 130 万美元吗？戴夫·拉姆齐表示，这个 7 步计划 “每次都有效”，可以消除债务，在美国致富——而且 “任何人” 都可以做到</li>
<li>如果你不想当房东，这里有 5 种简单的方法可以通过房地产致富。你甚至可以从 10 美元开始</li>
<li>富有的年轻美国人正在抛弃动荡的股市——这里是他们正在投资的替代资产</li>
<li>这里有 5 种美国人（几乎）总是支付过高价格的 “必备” 物品——而且很快就会后悔。哪些在伤害你？</li>
</ul>
</div><p><em>This article provides information only and should not be construed as advice. It is provided without warranty of any kind.</em></p>
<div class="lb-trans"><p><em>本文仅提供信息，不应被视为建议。提供时不附带任何形式的保证。</em></p>
</div>

蒙大拿州的一位女士发现她结婚 21 年的丈夫没有缴税——现在美国国税局正在追查他们。Dave Ramsey 建议如何应对