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Here's a stumper for you... I'm a U.S. citizen living overseas. Because of my non-resident status, I am currently exempt from U.S. income taxes. I am considered self employeed for Social Security (15%). (Unfortunately, I'm not exempt from that.)

So, my question. Am I better off maxing out a Roth IRA (in which case I'm NEVER taxed) or should I max out a 403(b). Although I do have to pay taxes on it later, it reduces the amount I have to pay on Social Security now (and remember I'm paying at the 15% rate.

Math wasn't my strong point in college. Can anyone help?
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