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If I contribute to a 403b bi-monthly through my job, and my employer contributes equal to 7% of my salary into a pension plan, should I also open a stock driven Roth IRA? I was also planning to open up some DRP accounts. How do I prioritize where my money should go? I currently have 2 mutual funds and a money market fund. Am I spreading myself too thin?

Thank you for any advice you send.
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