Question: are 403 b plans a good idea?
Answer: A 403(b) plan can be a good way to save for retirement, typically money goes in tax-free. ... So your 403(b) contributions may have less tax taken out in the long-run. That's good news for you. Of course, if you expect to be in a higher tax bracket in retirement, then a 403(b) may not be a good option for you.