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Before you completely give up on your 403B, check and see if your school has more than one provider. Many school systems offer as many as five or more different providers for their 403b. You might find one that is more cost effective than your current plan.

While a Roth is a great option, your ability to save for retirement in a tax-advantaged manner is limited by the contribution caps. You can put only $5500 a year into your Roth but you can probably put as much as ~ $17,000 a year into your 403b.
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