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So as a teacher I would be in the 28% bracket, putting in funds, but I assume when I retire that there is no way I will be in the 15% bracket. So the roth would be my better choice?

As far as 403B's what do I need it for anyway, what benefits are there, why can't I just choose some mutual funds I want to invest in and do it on my own?

Thanks guys for the input!
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