My husband and I are looking for some clarity regarding 403b vs Roth 403b. We are both teachers in NY state in our early 40s. I am currently maxing out the NYS 457 Plan and have a tiny amount going into a 403b via Aspire (it's the only decent 403b plan my district offers and I can access Vanguard that way). My husband is in another district and is maxing out his 403b with Vanguard.
We are wondering, however, about the tax implications down the road of having everything in pre-tax accounts. If we continue to work until retirement (which we plan to do) we *should* both have pretty good pensions and thus will likely remain in a higher tax bracket. We are now thinking we should be putting at least part of our retirement savings into Roth 403b's, which we didn't even know was an option until just this month.
Any thoughts on this would be greatly appreciated.