So, if I'm not particularly thrilled with her 403B investment options (which is the case), considering no matching, should we take that money, post taxes, and start contributing to the IRA's again.You can transfer the 403b into a traditional IRA without taxes/penalities. Just do the appropriate paper work. Then the money can still grow tax defered until time for withdrawls. And you can have a Roth and traditional IRA at the same time.BTW, I think I'm going to transfer the IRA's which are currently in some AMEX funds (bad decision) to Vanguard 500 or Vanguard Total Stock Market Index Fund). Any comments on if this sounds like a sound decision?Sounds good.JLC
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