Gales serious question....The HR guy at my job is a tool, I have a bigger education then him. We have a new plan, well new to us called 403-b administered byu Franklin Templeton Financial Advisors. The HR guy is clueless, my question is... Is this $ locked in forever? What If I put a huge part of my pay into it? Can I take loans off of it, or take it out without penelty?
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