clemster wrote:
- quote -

Why do you say this? Are the investments in a 403b restrictive or
something? I'm not saying that investing in a Roth may not be
advantageous, it's just that usually the decision comes down to when you
want to save the taxes, now or in retirement, not to what the return is
of the investment, since that could be the same either way.

There's no match so I'd focus on getting all you can into the Roth.
Unless you need to save money on taxes by reducing your net pay. The
return on your money in the Roth will outstrip the tax savings now and
you would have to pay taxes when you withdraw it anyway. On the plus
side, if you go with a Roth, you can use the money in the future for
certain expenses, like a first house or medical bills.

That's the best advice I'd have for a friend.

A question for a friend.
28 yr old single mother of 2 (9 & 2), she contributs to 403b $ 200 /
pay period , which is below what she can contribute.No match from
employer.
She wants to start a Roth IRA , should she fund her 403b to the max
possible first ? or is it wise to start a Roth now?
Thanks in advance for your answers.