Q.: I am 22 and in my first year of teaching for the NYC Department of Education. As a rookie teacher I can only afford to save $3,000 for each of the first two years. Which plan do you suggest I use? N.K.
A.: Your $3,000 contribution should be invested in a NYCE Roth IRA. Before investing, I urge you to read the IRA brochure which may be downloaded at:
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