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I had been told that since I had teacher retirement and a 403b available to me I could not have an IRA

As to the Roth IRA, I've had it for two years, and I've never been told I could not have one. Maybe someone here can comment on this.

The only thing that affects eligibility for a Roth IRA is your AGI (and your filing status). Very few teachers make enough to hit these limits.

If you are covered by a retirement plan at work, you are still eligible for a traditional IRA, regardless of your income or filing status. However, being covered by a plan means you might not be able to deduct your IRA contributions. The ceiling for traditional IRA dedictibility is much lower if you are covered by a plan.
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