Should i contribute to both a roth ira and unmatched employee 403b or just use one?
I'm a 36 year old public school teacher that won't be retiring for 30 years. right now i have 50,000$ in my school's unmatched 403b with fidelity (spartan funds) and i have 10,000$ in an outside vanguard (target funds) roth ira i started 2 years ago. for the new year i'd like to simplify and contribute as much as i can. should i keep both or try to consolidate them into one account. i can transfer my roth to the 403b but i can't convert the 403b to the roth. should i even think about rolling over one account to the other to simplify or just give as much as i can to both.
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