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maudobucks,

I am also a teacher and I am in a very similiar situation as you. IMHO, I second the suggestion by MarkOYoung for the reasons he stated. Also to be aware of in the Roth, you can invest money in indivdual stocks whereas the 403b(7) you can't. This gives you more potiential for a higher return(or a bigger loss--let's think positively though--this is long run, remember). You can use the 403b(7) as your as you would call it safe haven in mutual funds which are more diversified. Best of luck to you in the future.

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