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Greetings, Cmitchel, and welcome. You wrote:

<<I'm a very new Fool with a question. My school district offers a 403(b) and I was thinking about investing in it. I've already got a Roth IRA and as soon as the credit cards are paid off (4 months) I'm going to start maxing out my contributions.

The question is, I don't plan on working with the district for long so is the 403(b) a good idea? Can I take the money that I get from there, should I decide to leave, and put it in a Rollover IRA without affecting my Roth? From the Rollover can it go into 401k with out any penalties?>>

I'll leave the "good idea" part for you to decide. In general, you will be able to move those proceeds to an IRA when you leave that job; however, if it's in an annuity rather than a fund, then some companies may restrict your ability to do so all at once. If you can move the funds, it will not restrict your ability to use a Roth IRA. Also, 403b money may only be transferred to another 403b plan. It cannot be transferred to a 401k plan nor can 401k money be transferred to a 403b plan.

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