I currently contribute to a 403B (kindof like a 401K but for NPOs and contributions are fixed), through my employer and use a Roth IRA for additional retirement investing. my question is if I opened a traditional IRA so that my contributions were coming out pre-tax along with the 403B, would that push me back down into the 12% tax bracket because that money is no longer considered income or am I stuck paying 22% no matter what?  

I have been been debating a lot recently whether I should be putting money into other retirement vehicles such has a Roth IRA, 401k, mutual fund, index fund or should I be staying liquid saving my money to buy my first property?

@Ankit KhatriI'm not suggesting you do this, but I funded my first real estate purchases by refinancing my home, borrowing against a life insurance policy, and taking the principal out of my Roth IRA. 

I am getting ready to purchase a property Sub To and the property is the sellers IRA.

How to use a self directed IRA with checkbook control

I got into finance and investing about a year ago and have been able to save up about 5k cash, 6k in my roth ira, and 5k in a brokerage account.

He has a passion for real estate and tax law and knows every aspect of investing from self-directed IRAs to structuring your company correctly from a tax perspective.

Down the road you can roll it into a Self Directed IRA and use that to invest in real estate, but in order to do that you typically have to leave your employer.At the end of the day it's a very personal decision.

it was low cost, i can turn attic into a few more bedrooms very easy. it was a seller financed deal from a friends self directed ira.

Also, at your age, you've got a good start, so I would recommend getting into the habit of saving 10% of your earn income into an account like a mutual fund or IRA that you can not touch until retirement.