Tax rules regarding 403b accounts are generally the same as those for 401k accounts. Contribution limits are the same for both types of accouts. Your contributions to a 403b account are 'pre-tax,' that is, they reduce your taxable income; perhaps this is what your 401k account advisor meant regarding the remark on 'saving taxes on 403b.'Even if you exceed the income limits for deductible IRAs, you can still make the annual maximum contribution amount to a 403b account, AND make non-deductible contributions to an IRA, AND make non-deductible contributions to a spousal IRA.There are income limits beyond which you can't make contributions to Roth IRAs; for married couples, I think (?) it's 150K.Regards,Frank
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