Hi everyone! I've got 2 questions about retirement savings:
1) I'm trying to be smart and take advantage of tax-deferred retirement savings. I work for a non-profit and my employer has a 403(b) plan that I can contribute to. I've calculated my rate so that I will be just at the $17,500 limit at the end of 2014. This would be great, but I'm annoyed with the fees associated with my company's 403(b) plan. I'd love to go for vanguard's (just a tiny bit smaller) fees. However, as I've researched this, it seems that for those tax-deferred savings, I have to go through my company's retirement plan. Is that conclusion correct, or am I missing something?
2) My husband is self-employed. What options do we have for him for tax-deferred retirement savings?
(I apologize if these are very stupid questions...I'm just trying to figure this out!)
Thanks for your help!