 i don't know i thought about like a taxable account or something like that but i didn't i'd rather you i think you're fine i'd rather you do the roth so i'm thinking roth new york saves you know for the 529 for your son and then putting some money into the 403bs but like that would be the order that i would prefer it right roth first 403b second 529 next or you know 529 plus and