What field are you in? Have you landed an interview at your dream school?
Those questions are related; in the vast majority of fields, you should be putting energy into getting interviews. If you are flexible enough about location, you may well land something. If you're married to the idea of one area or even one school, most people will tell you that you'll never get a tenure-track position, because most people have to be willing to move cross-country or internationally.
I'm actually the exception; I moved to where I wanted to be and then landed a tenure-track position at my top choice school. But I've never met or heard of anyone else to whom this has happened, and I had to wait several years for a position to open up. I was willing never to have such a job, and able to manage without it. If you're not, think carefully about tying yourself to an area.
Now, if you get the job, look to see if there's a 457 plan (assuming it's a public school). Those have more withdrawal flexibility while still being pretax. And do be sure you invest in the 403b if there's a match.
I don't want to be a downer, and like I said, though it's rumored to be impossible, I'm living proof that is isn't, quite. Best of luck to you, and congratulations on the forthcoming degree! When do you defend?
