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Roth IRA Vs. 403B. Roth IRAs and 403(b) plans are good ways to save for retirement. A Roth IRA and a 403(b) are two different types of retirement plans. Almost anyone can contribute to a Roth IRA. 403(b) plans are only available to employees of public schools and certain other tax exempt organizations.ree Money. Some employers match the 403(b) contributions made by their employees -- getting an employer match is like receiving a tax free bonus. You put in some money, and they match your contribution up to a certain percentage or dollar amount.
Contributions to a Roth IRA has no effect on your tax return at all. Pub 590 says that you can contribute for a non-working spouse. you can contribute $8,000 if your are and she are under 50 for both of you, $10,000 if you are both over 50. That is if you file a joint return.http://www.irs.gov/publications/p590/ch0...eport Abuse. You dont have to report your Roth contributions on your tax return. But, dont forget about the Retirement Savings Contribution Credit on Line 53 of the 1040. You should be able to find the answers to your Spousal IRA questions at the link below.