<prompt> Human: Basic Facts-Income : 52,400 gross income. raises will be roughly 3 a year if I stay with the same schoolState Pension: 7My employer offers a 401k 403b really. It does not match, only takes out money pre tax. I was planning on putting 10 percent towards this, as well as invest aggressively.I looked on the graphic that many people post as advice around here. I already have an emergency fund from a previous CD that is about 8,000. My question is: Since my company does not match, am I better off getting an IRA? Since the IRA cap is 5500, which is basically the same as I planned on putting in my 403b. I do not believe I can afford both. What do you think?  <response>: Since my company does not match, am I better off getting an IRA?Probably. IRAs typically have a better choice of funds, and since the amount you invest will be the same, IRA is a good choice. 