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I have a TIAA retirement account through my present employer. Right now the plan doesn't take much out of my pay (graduate student salary) and place it into the account. I would like to optimize my retirement investing by opening a Roth IRA and begin regular contributions. Should I max out my contributions to the 403b or manage my own funds with the Roth IRA? Does the 403b have any benefits that the Roth lacks? Is it possible to not participate in the 403b and go to a Roth instead? TIA
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