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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.
If you have access to both a 403b and a Roth IRA, you can lower your tax bill substantially while making the most of your retirement savings opportunities.ombining Accounts. If you want to contribute to both a Roth IRA and a 403b, it is a good idea to consider how to make the most of both retirement accounts. If you have the disposable income to max out both plans, doing so can greatly reduce your taxes while helping you maximize your retirement savings.