What is the best strategy for consolidating my retirement accounts (mid-career teacher with multiple 403(b) and Roth IRAs)? Hello all. I’ve worked as a Texas teacher for 12 years. This summer, I’m trying to make sense of what I have in terms of retirement and form a better plan. I currently contribute to a 403(b) and a Roth IRA each month, and I am nowhere close to maxing out on either. My district does not match my 403(b) contributions. Additionally, I have money ju…

403(b): Employer not deducting from paycheck I recently got hired at a new company and upon getting hired I elected to opt in to contributing to a 403b at 6% as my employer would match it. My first paycheck was on 3/15 and my employer DID deduct money for the 403b. I went back the other day and realized that my employer hasn’t deducted since and they didn’t match the first (and only) contr…

Army Reservist Changing Jobs: Roll over 403(b) into new job’s 457(b) or into TSP? I appreciate any and all help on this, I’m a military reservist changing civilian jobs and need to decide what to do with my old 403(b). The new job is city government so I have access to a 457(b) with no matching (though they do have a pension program you’re automatically enrolled into), and I currently contribute 10% to my TSP with 5% match fr…