u/Fiesty-Blueberry

I just started a new job (yay) but I’m not eligible for their retirement program until January. Their retirement program is an IRA with a 3% match. I have an existing traditional IRA from a previous 401k rollover, and I just added my old job’s 403b into that traditional IRA.

My question is what to do about my retirement between now and January. If I make payments to my personal traditional IRA, it’s already money in my paycheck that was taxed and then will be taxed again in 30 years when I withdraw??? Am I understanding that right?

I assume my employer’s IRA with match that I’ll get in January is a traditional. Do I need to open a Roth IRA to save for the rest of 2026 since it’s all post tax money?

How many IRAs are too many IRAs?