So...I turn 36 next month and will be wrapping up year #12 (yikes!) in my district. Whew. Time has flown by so incredibly fast. Anyway, I finally decided to open up a 403(b) account! My CalSTRS (California State Teachers' Retirement System) account may or may not be enough to live on once I'm ready to throw in the towel, so I figured I'll need a supplemental pot of $ to dip into. Has anyone else opened up an account such as an IRA or 403b? Just curious.