Max out 403B from a part-time job

[Anonymous]

I’m back at work after staying home with my kids for 13 years. My new job is part-time and salary before taxes is about $50k. Since my husband and I do not need this money to cover current expenses, does it make sense to max out my 403B from work or put maybe 20-25% of my paycheck in there, and invest the rest on my own without the tax benefit? I can put in 25K a year (no matching from enployer).

[Anonymous]

If you don’t need the money for an emergency fund or earmarked savings I’d max out the 403b.

[Anonymous]

Stay away from 403b/401k. Negatives of the accounts are not worth the possible tax benefits and even a match. Those accounts are for the company holding them and your employer.
Go with Roth and investment account on your own. You will learn so much. Investment account can be nearly tax free.

[Anonymous]

Anonymous wrote:Stay away from 403b/401k. Negatives of the accounts are not worth the possible tax benefits and even a match. Those accounts are for the company holding them and your employer.
Go with Roth and investment account on your own. You will learn so much. Investment account can be nearly tax free.

Please ignore this poster.

Do understand whether it's a governmental or non-governmental 403(b) because the rules are different.

[Anonymous]

Anonymous wrote:If you don’t need the money for an emergency fund or earmarked savings I’d max out the 403b.

this is what I would do too