<prompt> Human: I recently paid off a credit card and can afford to put away about 200month. Whats the best way to invest this money. Would a regular savings account work until I can get it to a larger amount?Assistant: Unfortunately my employer doesnt offer a 401k plan where they match. I work for the State of CA and I have a retirement plan through CalPers. I just finished 5 years of service credit and have 7,723.27 in it at this moment. We do have the option of opening a 403b, but im not sure how that works.  <response>: A 403b is basically the same as a 401k. Any advice you hear about 401ks applies to 403bs. 