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You seem to be on the right track. Yes, if you have no match in your 403b, Roth is your priority, but if you can afford it you would like to max both plans--for your long term benefit.

Just a thought, but remember that the Roth is completely tax free at retirement, while the 403b is merely tax deferred. Therefore, if you were to select high growth stocks that would compound many times before you retire, you would prefer they were in your Roth.

If your S&P Index fund is your most aggressive investment, then Roth is the right place to have it. But if you are into aggressive growth funds with 40+% returns like Janus Twenty or Technology Sector funds, those may be better in your Roth.

Best of luck to you.
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