Relative your question about 403(B)s: Read the literature your school system has very carefully. Many 403(b)s are variable annuities . While annuities are not necessarily all bad, you should know exactly what you are getting into, what expenses are associated with them and what the penalties may be if you want to move the money elsewhere before, say, 5 or 7 years. A lot of school systems, hospitals and similar non-profits have not done their employees any favors in the 403(B) vehicles they have made available to them.jtmitch
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