Is your non-profit willing to match a portion of what you put into the 403b?How much do you plan on having deducted from your paycheck?If there is no employer match and it's less than $3000 I would put my money in a Roth IRA. This way you can choose either a reputible fund family or you can put it with a discount broker like scottrade and be able to buy a variety of funds from numerous fund families. Yes, you lose the immediate tax advantage with the Roth Ira, but you won't see your money eaten away by the fees on your account and you'll have better quality mutual funds to choose from. Plus as you advance in your Fooldom you can shift gears and invest in individual stocks if you go with scottrade.Bottom line save as much as you can for retirement. In this post I'm quibbling over minutia compared to the importance of a regular plan for saving.Good for you for getting your foot in the door.billyturtle
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