If you expect your taxes to be lower in retirement, the 403(b) makes sense, particularly if you need the tax deduction now. Otherwise, it's hard to make a case against the Roth IRA. If your taxes are low now, then a taxable account is probably better than a 403(b). _____________________________The only drawback to a Roth IRA is the $2,000 max annual contribution. Once you have reached that threshold, you are probably best off with your 403b, as long as you can avoid buying annuities.
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