after-tax 403b mistake - help, please!

ok, I'm curious now. Exactly what are the differences between your after-tax 403b and a Roth 403b that you have been told about?

The IRS only talks about 2 types of 403(b)s: A 403(b) plan (tax-sheltered annuity plan or TSA) is a retirement plan offered by public schools and certain charities. It's similar to a 401(k) plan maintained by a for-profit entity. Just as with a 401(k) plan, a 403(b) plan lets employees defer some of their salary into individual accounts. The deferred salary is generally not subject to federal or state income tax until it's distributed. However, a 403(b) plan may also offer designated Roth accounts. Salary contributed to a Roth account is taxed currently but is tax-free (including earnings) when distributed. https://www.irs.gov/retirement-plans/irc-403b-tax-sheltered-annuity-plans

The dedicated Roth account details are here:
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-designated-roth-account

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