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@kimberlee Thanks for posting this here.

@patchrex :) Final thought, you might reach out to your union and talk to the person who deals with this stuff to find out both a plan for yourself as well as how they got to be the union person who deals with this stuff. Odds are they're closer to retirement than you are and you might like...

@patchrex My employer doesn't match 457/403s. Everyone I work with is either in the state pension plan or in a self-directed 401a where there's an employer match of sorts. (I'm in the 401a due to being young and un-savvy when I was forced to choose over a decade ago. I'm doing fine but I have...

@patchrex See you got some other helpful replies here as well, which is good! FWIW, I pay $12.75 /quarter for my 457(b) and then have a collection of indexed mutual funds with ~0.15% total expense ratio including some more costly items like Ex-US Small Value, etc.

@patchrex You should reach out to your district and/or union rep to try and get information specific to your district's fees. For your scenario you might be better off with a 457(b) given that you could potentially withdrawal from that account penalty free if you "separate from service" i.e...

@d7130 Numbers evenly divisible by 12 and 26.

@beastnate123 Did you divide the interest rate by 12 to account for the fact that it's an annual rate but a monthly payment?