Retirement tax questions

You don't.

 

1)  Post here what you have in box 3 & 4 on each W-2 and we'll test it to see what's happening.

 

2)  If you are mrried, double check exactly who is listed as the person the W-2 is listed for.  If one was accidentally assigned to your spouse, then of course it wouldn't calculate right.

 

3) You don't have any SE (self-employment) income on a 1099-MISC...correct? 

 

____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*