My hopital doesn't offer a 401k company match or IRA package. I met with a fin advisor, and if I put money towards a roth ira and max it out annually, it'll cost me $335/month... i think that's kinda lot considering my take home pay is $1170 (net pay). I did defer my loans, but with mortgage payment, bills, car, etc., i can't quite afford it. Are most people able to put money away for retirement now, or do they begin after residency (aka. physician's salary)?