He told me that now that I'm in the picture he's serious about saving and setting up our future. I showed him everything I have set up and now he wants it too. The tax thing surprised me. I asked him the same question ten different ways to make sure I was understanding right. I knew that him not having filed taxes for 11 years was bad, but I had no idea where to even start. I've gotten some good advice though and we have more research to do now that I have a direction. I'll have to check out the flowchart. Thank you!