Also, for 2019 it will be better for you to contribute up to your single limit and then have your wife contribute up to the single limit rather than the family limit. If your wife makes after-tax contributions, they are exempt from federal income tax, and state income tax in most cases. If you make contributions through payroll, they are exempt from federal tax, state tax, AND Social Security and Medicaid tax. So making contributions via payroll deduction saves an extra 7.65% tax compared to making after-tax contributions.
