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Greetings, Astav, and welcome. You asked:

<<My fiance and I are teachers. Our 403's are with the Vanguard 500 and we currently contribute the maximum.
We are also plowing a fair amount of cash into stocks. We are in our late 20's/early 30's. Can we open IRAs for the additional tax benefits or are we restricted from doing so given our 403b's? What's the score?? >>

You may also contribute to your own IRAs, but the contribution may not be deductible because of your 403b plan participation. That depends on your AGI. If the contribution must be nondeductible, then a Roth IRA makes the most sense for your extra money assuming you meet the AGI limits for that IRA. For details, see our IRA area at

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