But they also indicate they entered as "non-deductible" contributions.
A couple of things come to mind that are potential complications.
1) We put into an IRA. One account for one spouse? or two separate $5500 IRAs...one for each spouse?
2) When removing the $$ in 2015, if you had any other IRA accounts, non-deductible contributions cannot be removed all at one time as all being nontaxable. Example: Put in 11,000 in 2014 as nondeductible contribution, but (say) you have 110,000 of total IRA accounts. IF you remove 11,000 in 2015, then only ~10% is not taxable when removed (assuming only that 11,000 was the only non-deductible contribution ever done). The non-taxable part has to be removed as a proportion of the total IRA account holdings. (..... and each spouse's IRA holdings must be handled separately too, if you removed from each spouse's IRA accounts)
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
