>I’m 24 years old and make $110K

Traditional makes sense for high income earners like you.

> A few thousand in extra savings by using the traditional would help, but my house savings would not really require this as I’m quickly reaching my goal of $100K for a down payment.

You can take the extra thousands in savings, toss it into a regular brokerage account and let it ride in VOO. More invested is always better.