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<You can also have a Roth if your adjusted gross income is less than $150000, married. You can contribute $2000 a year to the Roth independent of what you do with the 403b.>

Great, so I can have both. My employer does not match nor contribute any additional money to the 403b. Since I'm not maxing out on the 10,500 allowable through the 403b should I continue to increase my contributions and only open a Roth when I max out on the 403b? Or would it better (in terms of long term tax advantage) to open a Roth PRIOR to maxing out contributions on the 403b?

<Only problem is that $2000 divided among 4 stocks can be a significant amount of trading costs.>

Actually, I have a discount brokerage account with Scottrade and am charged $7/trade. If I were to open a Roth I was thinking four Dow stock (4 x $7= 28), and keeping them for 18 months. This, I thought would be relatively low in terms of trading costs (28\2000= 1.4%)
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