Do you know if hospitals usually provide 403B plans (non-profit equivalent of 401K) for residents? If I go from a transitional year at hospital A to a radiology residency at Hospital B, do I open a new 403B plan at hospital B? Anyone hear of matching incentives for 403B or is this against the tax codes? If this does exist, is this the exception or the norm. Also, I will be eligible to open up Roth IRAs since I will be making under the cap limit. How does one go about opening a Roth IRA? Anyone know how the new IRS FICA exemptions for residents work? Specifically the ramifications of institution wide exemption vs individual exemption?