I know this is not 403b-related but this is why all of you should save as much as possible. I am retiring this year after 33 years of teaching and this article explains why I could not make it another year even if I wanted to. How I made it this long amazes me. Luckily ,due to savings I will be ready to walk away in June.
http://www.theatlantic.com/education/archive/2016/01/why-introverted-teachers-are-burning-out/425151/
Tony