No. of Recommendations: 1

The calculation for allowed contributions is done for each of your Roths. If your MAGI was, say, $155k, the calculation says you take the extra $5k / $10k = 50%. This means each of you can contribute 50% of the allowed $3k (or maybe $3,500 in your case), which = $1,500. Any amount over $1,500 either of you contributed has to be removed, reclassified, or whatever.

Fuskie may be right, in that YOU may be the one that overcontributed. You cannot remove funds from her account to get yours back in line.

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