You are mixing apples and oranges....
Individual Retirement Plan
Pre-tax IRA (Traditional) and post tax IRA (ROTH) with limits of $5,500/$6,500 single and $11,000/$13,000 married. You can contribute to one or the other or both but you cannot exceed $5,500/$6,500. Your income determines eligibility for contribution to ROTH IRA
Employer Retirement Plan
The employer sponsored retirement plan (401k, 403b, TSP) also has a pre-tax (traditional) and post-tax(ROTH) version with limits of $18,000 or $24,000 if you are >50. Again, you can contribute to one or the other or both but you cannot exceed the limit of $18,000/$24,000
You can contribute to both an individual IRA plan and a employer sponsored retirement plan (401k, 403b, TSP) at the full limits established for each (assuming you meet eligibility criteria for ROTH contributions).
Your spouse can move money around in her 401k plan but she cannot make contributions to it.
https://personal.vanguard.com/us/ins...ibution-limits
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