No. of Recommendations: 3
16% loss YTD is not bad compared to the market overall. I lost that much in the first two weeks of October in a well diversified portfolio. And the first 9 months of the year weren't good either.

Not sure of the rules in you 403B, but if you get any matching contributions, as is often the case in 401k plans, you probably should contribute enough to get the maximum match. Beyond that maxing out the Roths, which you already plan, is the thing to do.

Sounds like you're pretty well set for retirement income with your pensions plus eventual SS. Individual stocks can be tricky but if you're willing to do the research, go ahead. Just stay diversified and don't go "all in" in a single buy.
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