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How would opening up a 403b affect my taxes and my ability to contribute to my [Roth] IRA?

Since 403(b) contributions are tax-deferred, they would reduce your taxable income for Federal income tax purposes. They don't affect your ability to contribute to a Roth IRA, except that they reduce your AGI and therefore give you more wiggle room with respect to the Roth AGI limits.

And....does the fact that I have had retirement money going into the regular STRS account (direct from my check and the college matching funds) affect the fact that I have contributed the max to my Roth this year?


Also, with my Roth...what happens tax-wise if, at sometime in the future, I begin to make more money than a person is suppose to have to be able to open a Roth?

Nothing. If your AGI is too high in any year, you can't make Roth contributions for that year, but it doesn't affect your existing Roth IRA money.

Phil Marti
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