I make about 47k and do not expect my income to go over into a higher tax bracket by the time I retire. My employer offers a 403 (b) but does not match. Based on my budget, I won’t be able to contribute more than 5k a year to my retirement account. With these reasons, I am leaning towards a traditional IRA instead of my companies 403 (b). Is there anything that I am overlooking or not considering?
thanks for taking the time to read my question!