Income less than $193,000 does not limit ROTH contributions for MFJ. A SEP IRA is a retirement plan for the self employed. You can have your SEP IRA and you can each have a ROTH IRA, subject to income limitations. It is viewed as an employee with a 401k and a ROTH. Both of you have retirement at work and a ROTH on the personal level.
A SEP IRA follow the rules for a traditional IRA. Please go through the IRA section again and verify that you are making ROTH contributions in addition to the SEP.
There may be something we are missing without seeing your return and all of your information.
For complete details on all things retirement, see the IRS Retirement Center.
Which includes:
Contribution limits
IRA Contribution Limits
2019 - Amount of Roth IRA Contributions You Can Make for 2019
SEPs
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