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todays topic Im going to discuss what is a 403b account and how to leverage a 403b account for your retirement planning success or retirement planning needs so simply put a 403b account as a type of employer-sponsored retirement plan typically individuals that are offered 403b plans are teachers pdocHubers nonprofits so if youre working for a state employer as an example and youre a teacher if youre working for a non-profit hospital as an example or a non-profit organization instead of being offered a 401k account which is set up for private institutions a 403b account is set up for public institutions and there are employees of those public institutions so when youre looking at it from a wealth accumulation standpoint saying okay I just started this career and Ive offered these different employee benefits one of them being that I could contribute to afford the Ruby account what exactly does that mean and what is the advantage to using that specific 403b account and think of the