我要是你，就开Roth IRA.

Traditional IRA的contribution，要抵AGI，对income的要求很低的：

Modified AGI limit for traditional IRA contributions increased. For 2023, if you are covered by a retirement
plan at work, your deduction for contributions to a traditional IRA is reduced (phased out) if your modified AGI is:
• More than $116,000 but less than $136,000 for a married couple filing a joint return or a qualifying surviving
spouse。。。

Roth的本金5年后可以没有罚金拿出来。万一孩子上大学需要，可以拿出。