Jack and Jill are married. Jack’s salary for 2021 was $95,000. He chose to contribute 10% to a Roth 401(k) and 5% to a traditional 401(k). Jill’s salary for 2021 was $80,000 and she did not have any retirement contributions through her employer. They both contribute $3,000 to a traditional IRA. Calculate their AGI for 2021.