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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.
Instructions. Understand the contribution limits for an IRA for the year in which you wish to contribute to both a Roth IRA and traditional IRA. Starting in 2008, you can contribute up to $5,000 to an IRA.If you are over 50 years of age, you can contribute an extra $1,000. Meet the requirements for contributing to an IRA in general.nstructions. Understand the contribution limits for an IRA for the year in which you wish to contribute to both a Roth IRA and traditional IRA. Starting in 2008, you can contribute up to $5,000 to an IRA.