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Teachers in the US get decent salaries and good pensions. It may be different from from state to state, but in California you can work for 25 years and retire w

Teachers in the US get decent salaries and good pensions. It may be different from from state to state, but in California you can work for 25 years and retire without ever having to work again by the age of 50. You'll have to learn to live on a low salary for the first 5-10 years of your career. But pensions are paid based on your terminal salary, not your average salary. For elementary school teachers in my district the terminal salary was in excess of $100k as of 2017.

jedberg 4y ago
> without ever having to work again by the age of 50. While that may be true, it's important to note that the pension is only salary (and usually only 80% of your terminal salary) and not benefits. So you'd spend a significant part of that money on getting health insurance. Most teachers who have earned full pensions wait to retire until 67 anyway so they can get Medicare (and not Social Security, because they don't qualify for it since they have their pension unless they worked another job as well).
- zdragnar 4y ago
  Unless you're married and your partner continues to work and covers benefits for you. My aunt did exactly above, and felt it was a moral duty to let new younger teachers have the spot (nevermind it meant that she was going to draw a pension from the system for more years than she'd actually worked). Plenty of other teachers feel the same way, though obviously not all.
  - jedberg 4y ago
    Sure, if you're married and have a second income, then that second income is basically subsidizing education. My wife was a teacher and retired when our kid was born, because we could. Some time in her 50s she'll be able to draw her pension. But basically the only reason we can afford to live in the Silicon Valley is because I'm an engineer with a decent salary. A lot of her paycheck went right back into her classroom, and with the hours she worked, she was basically make $3/hr, despite getting some of the highest teacher pay in the country. And all of her coworkers were in the same boat -- almost every one of them, even the senior teachers, were married to engineers. The few that weren't either had family money or at least had parents who bought them a condo or house. Or a good friend. We let one of her young teacher friends live with us for a couple years until she managed to save up enough for a down payment on a small condo, and then got married and got a second job. It is basically impossible to be a teacher in Silicon Valley without a highly paid spouse or multiple side hustles.
    - dionidium 4y ago
      > But basically the only reason we can afford to live in the Silicon Valley is because I'm an engineer with a decent salary The existence of California -- and San Francisco, in particular -- makes discussions like this one difficult, because yes, sure, San Francisco is too weird to exist and is therefore basically irrelevant in national policy discussions. I live in Rhode Island. East Coast. An hour from Boston. Expensive real estate, high-COL (top 10 or 15, depending on which numbers you trust), etc, etc -- and yet, we are just absolutely nothing at all like California, which is its own very weird outlier that has nothing to do with the experiences of the almost 300 million Americans who aren't Californians.
      - jedberg 4y ago
        10% of America lives in California. Can't really call it an outlier.
        dionidium 4y ago
        You're right. Outlier is a poor word choice. I just mean to say that increasingly we need separate discussions for the 10% of people who live in CA and the 90% who don't, because the experiences are really quite different.
        jedberg 4y ago
        I think you're right in that discussions need to be different for different parts of the country, but I think the split is urban and not-urban. A lot of California is urban, but so is a lot of New York, Massachusetts, Washington, Oregon, Illinois, etc etc. as far as where the population lives. And all have similar problems when it comes to education.
        deleted 4y ago
        [deleted]
        andrewprock 4y ago

jedberg 4y ago

> without ever having to work again by the age of 50. While that may be true, it's important to note that the pension is only salary (and usually only 80% of your terminal salary) and not benefits. So you'd spend a significant part of that money on getting health insurance. Most teachers who have earned full pensions wait to retire until 67 anyway so they can get Medicare (and not Social Security, because they don't qualify for it since they have their pension unless they worked another job as well).

zdragnar 4y ago
Unless you're married and your partner continues to work and covers benefits for you. My aunt did exactly above, and felt it was a moral duty to let new younger teachers have the spot (nevermind it meant that she was going to draw a pension from the system for more years than she'd actually worked). Plenty of other teachers feel the same way, though obviously not all.
- jedberg 4y ago
  Sure, if you're married and have a second income, then that second income is basically subsidizing education. My wife was a teacher and retired when our kid was born, because we could. Some time in her 50s she'll be able to draw her pension. But basically the only reason we can afford to live in the Silicon Valley is because I'm an engineer with a decent salary. A lot of her paycheck went right back into her classroom, and with the hours she worked, she was basically make $3/hr, despite getting some of the highest teacher pay in the country. And all of her coworkers were in the same boat -- almost every one of them, even the senior teachers, were married to engineers. The few that weren't either had family money or at least had parents who bought them a condo or house. Or a good friend. We let one of her young teacher friends live with us for a couple years until she managed to save up enough for a down payment on a small condo, and then got married and got a second job. It is basically impossible to be a teacher in Silicon Valley without a highly paid spouse or multiple side hustles.
  - dionidium 4y ago
    > But basically the only reason we can afford to live in the Silicon Valley is because I'm an engineer with a decent salary The existence of California -- and San Francisco, in particular -- makes discussions like this one difficult, because yes, sure, San Francisco is too weird to exist and is therefore basically irrelevant in national policy discussions. I live in Rhode Island. East Coast. An hour from Boston. Expensive real estate, high-COL (top 10 or 15, depending on which numbers you trust), etc, etc -- and yet, we are just absolutely nothing at all like California, which is its own very weird outlier that has nothing to do with the experiences of the almost 300 million Americans who aren't Californians.
    - jedberg 4y ago
      10% of America lives in California. Can't really call it an outlier.
      - dionidium 4y ago
        You're right. Outlier is a poor word choice. I just mean to say that increasingly we need separate discussions for the 10% of people who live in CA and the 90% who don't, because the experiences are really quite different.
        jedberg 4y ago
        I think you're right in that discussions need to be different for different parts of the country, but I think the split is urban and not-urban. A lot of California is urban, but so is a lot of New York, Massachusetts, Washington, Oregon, Illinois, etc etc. as far as where the population lives. And all have similar problems when it comes to education.
        deleted 4y ago
        [deleted]
        andrewprock 4y ago