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today is QA Tuesday todays question comes from Randy the question is what if I dont have a company match should I put the money into the 401k or 403b or should we start to look at traditional IRA Roth IRAs Im gonna give you three points that you should think about if you dont have a company match and Im also gonna talk about something that would completely change the way I handle my finances if I didnt have a company match but before we start if this is your first time at our channel or you havent subscribed click on the subscribe button at the bottom my name is Travis sickles certified financial planner with sickle under financial advisors I had to break out the contribution limits board again because that is where were gonna start were gonna start with point number one and thats looking at your income so if you have a retirement plan at work you dont have an income limit on saving into the retirement plan but you do if you have a retirement plan at work and want to save i