Hi Mat my name is Roberto. I’m 57 years old and I have a Roth IRA with TD Ameritrade value right now is 1200 dollars and also have a 403b account with my employer value right now is 110,000 dollars. My question is how can I start right now with the limited amount of money that I have?  From what I understand I can’t use right now my 403b. So what do you suggest I do thinking about retiring sooner like 62?