Am I allowed to open a Roth IRA or traditional IRA while on a work visa?

Yes, if you have earned U.S. income and a valid SSN, your visa type doesn't disqualify you from an IRA. H-1B, L-1, O-1, and even some F-1/OPT workers can contribute up to $7,000 in 2025 ($8,000 if 50+), as long as their wages are at least that much. A Roth IRA also requires your modified adjusted gross income to be under the limit (phaseout starts at $150,000 single / $236,000 married filing jointly in 2025). The real question isn't eligibility but commitment: a Roth grows tax-free for decades, which is great if you stay, but you can withdraw your contributions anytime if you leave. Check whether a Roth fits your income with wealthserene.com/tools/roth-vs-traditional.