I currently have a Roth IRA Account I started a few years back when I was in college. Only have like 1300$ in it now. I started a full-time job now and I have a 403b plan. The thing is, I will not be able to get a match until I've been there a year. Before this I was giving 15% to the Roth 403b, but does it make more sense to contribute to the Roth IRA first? For instance if I get to the 5500$ in the roth ira I then should move to the Roth 403b? Is that right?
I am not sure that there is a real 'right' answer here. If I read correctly that the 403(b) wont match until you've been employed for a year, they won't retroactively match on your anniversary will they? Just begin matching going forward.
If I got that right, then it won't really matter which you fund first. The Roth IRA probably has more investment choices as the 403(b) will probably be limited in choices. A 403(b), depending on the specifics of the plan, may have more choices to borrow from yourself for example when you purchase a home. However, once money has been in the Roth account for 5 years, you can take the amount you contributed (NOT any earnings that money may have made) penalty-free.
Basically, there are advantages and disadvantages on each account. Only you can decide which choice you prefer.