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- So you have this 4O3(b), or TSA available, should you use it, what is it? (upbeat music) A 4O3(b), or otherwise known as a TSA, or tax-sheltered annuity, is what I like to refer to as a teachers 401(k). Now its not necessarily for teachers, but the two types of organizations that can have a 403(b) are non-profits and school boards. Thats why usually if youre a teacher, by far the most amount of people who have 403(b)s are teachers, but principals can have them, secretaries, administrators, superintendents, cafeteria workers, they can all have 403(b)s. Or if you work for a non-profit, like a hospital will usually see people with it, or other non-profits, you can have a 403(b) as well. Now, if youre wondering how a 403(b) works, you can go ahead and click here to the link to How a 401(k) Works. Most of it is exactly the same, the one big difference with the 403(b) is youll usually see multiple providers. Meaning that you might have three, four, five, 10, I have seen upwards of 25
