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What's the difference between a 403(b) and a 401(k)? More specifically, although my wife and I are rather dissatisfied with the choices available through her 403(b), we doubt that we can beat the returns with a taxable investment because our marginal tax rate (including state taxes) exceeds 45%, and we are ineligible for the Roth IRA. My wife is a teacher, so we fully expect her to keep her job for the next 30 years. (Tenure is a wonderful thing.) I understand that I am stuck with my 401(k) options as long as I keep my job, but is there any way for my wife to self-direct her money in a tax-deferred manner, even to different mutual funds? Thanks. --Bob
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