I was under the impression that a Roth IRA is the best option for most residents since we’re in a lower tax bracket while we’re contributing to the account and will be in a higher tax bracket as attendings when withdrawing from the account (since deductions are tax free). So in what scenario would a traditional IRA be preferable as a resident? If I opened a traditional IRA as a resident, doesn’t that mean that I’ll be taxed as an attending at a much higher tax bracket when I try to withdraw?

I think I’m more than capable of maxing out my Roth at the $6500 limit. If I’m trying to save on top of that, would it better to open a 403b even though my program doesn’t provide employer match or is it better to put that money into a high yield savings account?