You difficult every day and much more tax season has come and it looks like you will not get most of a refund again great. This could as being a good thing though.read through to. Remember, a personal exemption of $3650 is not deducted on tax but on your taxable income. Say for example your filing status is 'married filing jointly' with original taxable income of $100,000. This allows you to be under the marginal tax rate of 25%. The actual money it can save you on personal exemption is $912....