Roth IRA vs. 403(b) - which one is better for YOU?

Emily breaks down the key differences & what every educator should know before choosing where to invest for retirement.

→ Tax-free growth?
→ Employer match?
→ Which option wins for your future?

👆 Watch now and get the clarity you need.

#403bwise

Stock Market worry? Don’t panic.

Emily explains why riding out the ups and downs of the stock market is key to long-term investing success.

Patience beats panic every time.

👆 Watch now to learn how smart investors stay steady.

#403bwise #StockMarketTips #InvestSmart #TeacherFinance

Retirees, this one’s for you. 🛑

Should you roll your 403(b) into an IRA? It’s one of the most common questions we get—and Emily is here to break it down.

💡 Your retirement money deserves the best home—make sure you know your options.

#403bwise

A teacher was threatened by a 403(b) sales rep. 🍕 Equitable finally fired him.

➡️ Hear the full story + how Delaware is doing 403(b)s right.

🎧 New podcast out now.

#403bwise #TeacherFinance #RetirementReform

New episode: The fix for the 403(b) has existed for 25 years.

Barbara Healy & Jackie Fabitore-Matheny had the answer.

Districts didn’t want to hear it.

Now they’re back—sharing exactly what school systems must do to get retirement plans right.

🔗 https://teachandretirerich.libsyn.com/

#403bwise

💡Gardner, MA educators turned up the pressure and scored big—adding Fidelity and Vanguard to their 403(b) lineup. That lifted their rating from a D to a C!

See what’s possible: 403bwise.org/advocacy/district_plan/G...

#403bwise #TeacherFinance #LowFeeInvesting

“Can I get Vanguard or Fidelity in my 403(b)?”

You’re not the first to ask. Our advocacy tools have helped hundreds of educators fight for better vendors—and win.

Start here → 403bwise.org

#403bwise #TeacherFinance #InvestSmart #403bReform #LowCostInvesting

Simpler portfolios. Fewer tax surprises. Less stress.

That’s the power of index funds.

➡️ Learn why indexing matters: humbledollar.com/forum/if-i-didnt-index-b...

#IndexFunds #403bwise #InvestSmart #FinancialClarity #TaxEfficiency

The student loan system right now?

One word: 😳

(And David Gourley says it best.)

Catch his insight on PSLF, student loan confusion, and what borrowers need to know now.

🎧 teachandretirerich.libsyn.com/the-state-of-student-loa...

#403bwise

One question comes up more than any other in our 403bwise Facebook Group.

Find out what it is—and how we help teachers get unstuck from high-fee plans.

#403bwise #TeacherRetirement #FinancialLiteracy #FeeAwareness #InvestSmart

You spent decades saving. Now what?

Withdrawal strategy in retirement is EVERYTHING—and most people get it wrong.

This week’s Weekend Wisdom features Nick Maggiulli’s powerful take:

➡️ ofdollarsanddata.com/whats-the-best-withdrawa...

#403bwise

🚨 Tennessee just passed a law that gives high-cost financial companies the right to access teachers on campus.

Why? Because lobbying works—and reform threatens their commissions.

👆 Link in bio

#403bwise

⚠️ Some districts offer great 403(b) plans.

Others are packed with high-fee, sales-driven junk.

Find out which one you’ve got:

https://403bwise.org/advocacy/rating_system

If your district isn’t listed, send us the vendor list—we’ll rate it for free.

#403bwise

💊 Don’t let a slick Medicare Advantage pitch fool you.

Denied care. Prior authorizations. Limited doctors.

This is what insurance companies won’t tell you.

Weekend Wisdom 👉 www.financialfreedomforwomen.org/healthcare/blog-post-tit...

#403bwise

💸 Most districts settle. LAUSD didn’t.

Their 457(b) plan is so good it’s won two awards.

Meet the advocates behind it.

🎧 https://teachandretirerich.libsyn.com/457b-heaven-376

#403bwise #457bPlan #LowFeeInvesting #RetirementWin #EducatorFinance

A New Jersey district with Vanguard? Believe it.

Northern Valley Regional is breaking the mold—and showing what's possible.

🔗 403bwise.org/advocacy/district_plan/N...

#403bwise

🏡 Is the American Dream dead?
Or is it just different now?

Nick Maggiulli unpacks what’s really happening with housing, family, and financial progress.

🔗 ofdollarsanddata.com/has-the-american-dream-b...

#403bwise #AmericanDream #MoneyMatters

🚨 New pod: Economist Cullen Roche drops the truth —

#Tariffs are not what you think.

They're taxes on your own wallet.

Listen now before you repeat the wrong talking point.

🔗 Link: teachandretirerich.libsyn.com/tariff-talk-with-cullen-...

#403bwise #TariffsExplained

📚 Want to master the investing force?

Start with these must-reads:

Psychology of Money
Mind Your Money
Teacher retirement guides by Karl Fisch
 Smart reads = smarter savings.

#403bwise #MoneyBooks #FinancialLiteracy #TeacherFinance #InvestSmart #MayTheForce

Massapequa UFSD may be C-rated, but it hides gold:

✅ Vanguard
✅ Aspire
💥 Plus the NY State 457(b)

Look for the green-rated vendors and dodge the fee traps.

🔗 403bwise.org/advocacy/district_plan/M...

#403bwise

Paying 2% in investing fees vs 0.04% could cost you hundreds of thousands.

Don’t let the dark side of high fees steal your future.

🛡️ May the investing force be with you.

#403bwise #InvestSmart #RetirementSavings #TeacherFinance #FinancialLiteracy #FeeTransparency

No wonder they fight reform so hard.

teachandretirerich.libsyn.com/equitable-equi-vest-comm...

#403bwise #retirement #educate #education #school #teachers #teacherlife #403b #learn #empower #inspire

Equitable’s EQUI-VEST commissions? 🔥

Scott breaks down the shocking numbers—and why so many agents fight reform.

🎧 Listen now: teachandretirerich.libsyn.com/equitable-equi-vest-comm...

#403bwise #TeacherFinance #EducatorAdvocacy #RetireSmart #K12Retirement #ExposeTheTruth

Raise or retro pay? Before it disappears… get strategic.

20 ways to put that “extra” income to work.

403bwise.org/blog/entry/how-403b-part...

#403bwise #TeacherMoney #FinancialWisdom #InvestSmart #WindfallPlanning #RetirementReady

Not sure if a 403(b), 457(b), or IRA is best? 🎓

Emily’s got answers in this quick reel!

Plan wisely, retire confidently.

#403bwise #TeacherRetirement #FinancialWellness #K12Educators #InvestSmart #RetirementReady

Anchorage School District = 🔥

A-grade, single vendor 403(b).

Low fees. Simple choices.

If #Alaska can do it, why can’t your district?

403bwise.org/advocacy/district_plan/A...

#403bwise #TeacherFinance #DistrictSpotlight #InvestBetter #AlaskaEducators

Feeling the April market whiplash? 😵 Episode 373 is packed with Morgan Housel quotes to calm your nerves and reset your mindset. Volatility = opportunity.

teachandretirerich.libsyn.com/market-volatility-wisdom...

 #403bwise #FinancialWisdom

Terrible 403(b) vendors in this SC district—but the state 457(b) is a standout! Don’t settle for less. https://403bwise.org/advocacy/search_district_plans

Pick South Carolina Deferred Comp for lower fees and better growth.

#403bwise #TeacherFinance

Mary Ann Sullivan—ex-LAUSD teacher & principal—just launched 395 Financial Planning, a fee-only, advice-only firm. Real fiduciaries, real results.

teachandretirerich.libsyn.com/retired-educator-turned-...

#FiduciaryFirst #403bwise #podcast

Red or green? 🌶️

New Mexicans choose wisely at mealtime—so why not in retirement too?

Albuquerque Public Schools has too many red-rated 403(b) vendors. Time to fix that.

🔗 403bwise.org/advocacy/district_plan/A...

#403bwise #NMTeachers #VendorReform