You can't both withdraw from "my" IRA. Adam can withdraw up to $10,000 from Adam's IRA, and Eve can withdraw up to $10,000 from Eve's IRA, and avoid the 10% penalty on early withdrawals. But the exemption is $10,000 per person, even if you are married, so if only Adam has an IRA, Adam's limit is $10,000 even if Adam is married and files a joint return.
All amounts withdrawn from a traditional IRA are subject to regular income tax, and any amount more than $10,000 per account will be assessed the additional 10% penalty.
