I want to clarify one more thing that I noticed.
"My wife had two different employers in 2023. Both contributed $22,500 to a combination of traditional 401K and Roth 401K."
Are you saying that the total contribution plus employer match was more than $22,500, or are you saying that your wife's voluntary deferrals are more than $22,500?
The total allowable contribution to a 401k including both elective deferrals and employer match is $66,000 for 2023. If the employer contributions were more than $22,500, that's ok as long as they are not more than $66,000 combined. The $22,500 limit only applies to the elective salary deferrals (your wife's contributions).
