I am 58 and filing jointly, wife is under 50. I contributed a total of $44,137 into traditional IRA's ($20,137 into 457b & $24,000 into 401k). TT says that we are $35,637 over my limit, that amount is a catch up but where do I enter it? They say I will have a 6% penalty if I do not withdraw the money, I believe that with the catchup I can put $18,000 into each with no penalty, I don't understand TT logic?
