Eoin McGee

Yes, okay.

Well, first of all, congratulations to them and congratulations to you, I suppose.

Provided you like them, congratulations to you, that is.

Yeah, so what I would say on this one is, I have never, I've been told by a tax advisor in particular, said it to me one day, that they've never come across a circumstance where someone being jointly assessed has been a disadvantage.

Now, you can be at a disadvantage if you're separately assessed, but being jointly assessed, they had never come across.

And I've challenged this a couple of times online where I've asked people to come back and say to me, give me an example of where you wouldn't be.

Where it doesn't, sometimes it doesn't really make any difference.

If they're both making more than their 20% threshold, they've nothing to swap over between the two of them.

But then you could...

If they're over, it's about 46 grand each.

If they're making more than 46 grand each, there's nothing to share between them in terms of credits or allowances or anything else.

But you never know the year that something happens.

Someone loses their job.

And you can do it retrospectively to a point, right?

But someone loses their job or someone...

I don't know, takes time off for some other reason and they don't use all their credits in that year.

It's just better off and there's no disadvantage to doing it.

The other thing you brought, just the fact that they're getting married and this is not to put pressure on you.

It's nothing to do with you.

This is one often a question.