First time poster! I'll try to get you all the pertinent details without wasting a lot of time.

Married, filing jointly, household income about $120k +/-$20k (I know I'm pathetic that I don't know). I contribute to the military Roth TSP which is a 401k equivalent (no employer matching). My wife works for a non-profit and contributes to a traditional 403b, doesn't pay into social security, and has employer contribution matching to a certain level. I try to max out the TSP at ~18k/yr and I think my wife gets at least half of her 18k into the 403b (she puts in up to what the employer matches a % of).

Last year our tax guy said that with this situation, i was still good to contribute to my Roth IRA at Max $5500, but for some reason she had to take out ~$2700 from hers and it had to do with the fact that she had a 403b. I'm now getting ready for this tax year and STILL can't find a reason a couple that makes less than $160k/yr wouldn't be able to max out both Roth IRAs.

For my own sanity is there anybody out there familiar with this rule so I can have a better idea of how much she can contribute to her Roth IRA throughout the year and not have to withdraw/contribute thousands at the end of the year?

Thanks,
Will