If you are working for a public institution, you likely have the ability to contribute to a 457 retirement plan. This plan can be thought of the relatively unknown sister of the widely known 403b plan. The major difference is that retirement is not defined as when you hit age 59.5, but when you separate service with your employer, then draws on the saved funds can be made without the 10% early withdraw penalty. The money you draw will be subject to ordinary income tax rates.
A 457 plan might make a lot of sense to you, if you have the opportunity to invest in one. Contribution limits mirror the 401k and 403b plans at 18,000 annually with catch up provision becoming available at age 50.
The bottom line is that the 457 plan gets you the same benefits of the 401k and 403b, but offers you the option of withdrawing the money, if the option of early retirement is in your plans.
Check with your employer to see what retirement account options are available.