Roth IRA or 403(b)
Jill on Money with Jill Schlesinger
Audacy
4.6 • 1.9K Ratings
🗓️ 16 July 2019
⏱️ 6 minutes
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Summary
Having options is a good thing, especially when it comes to your investments. That's what prompted Lauren from New York City to reach out. Should she be contributing to her 403(b) or her Roth IRA? Or should she be using a regular brokerage account?
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Transcript
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| 0:00.0 | Welcome to the Jill on Money Call of the Week, |
| 0:06.0 | where presented by Marcus by Goldman Sachs. |
| 0:09.0 | If you got a financial question, you want a little bit of advice, |
| 0:13.0 | hey, I'm still a certified financial planner, |
| 0:15.2 | keeping that designation, never taking that test again. |
| 0:18.1 | Just email us, ask Jill at Jill on Money. |
| 0:21.9 | That is what Lauren did. Lauren is calling us from New York City. |
| 0:26.1 | Hello Lauren what can I do for you? Hi Jill. Well my question is so I'm 30 years old living in Manhattan, making 60K a year. |
| 0:39.3 | I recently started a new job and a new career, at this new job they have a pension plan which |
| 0:46.7 | they'll automatically enroll me in and make contributions after my first year and then they also offer a 403 B but with no contributions. |
| 0:57.7 | So no match? |
| 0:58.7 | No match. |
| 0:59.7 | Got it. |
| 1:00.7 | So I have a small Roth 401k from my previous job that is now rolled over to a Roth IRA. |
| 1:10.5 | And where is that held? |
| 1:11.5 | That's what Vanguard. |
| 1:13.0 | Great, perfect. |
| 1:14.0 | So I'm just wondering if you think it makes more sense for me to start this new hopefully |
| 1:19.3 | Roth 403B or if I should use the Roth IRA I already have or if I should just open up like you know a |
| 1:28.8 | betterment account or some other type of account and just save separately. |
| 1:33.2 | Well, so first of all, |
| 1:35.2 | tell me about other things in your financial life. |
... |
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