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Thank you to everyone for sharing your experiences and suggestions. I am going to go with the DB and set up my own personal DC. That way I can invest but still have a guaranteed income after 10 years. I really don't know if I will be here 10 years but I see no reason why I would not be. This...

I fully understand the point about being so young and committing to a job for at least 10 years. That is why I am so confused on what to do. I am still young, recently married, and plan to have a family in the future. I just want to make the right decision. My fear with the DC is that it would...

That is why the decision is so difficult and reading your post only makes me rethink what I should do. I almost wish I did not have a decision to make and only one option was offered.

I found some information that states that they review for COLA twice a year and adjust if needed. That means they could possibly increase the benefit by a total of 3% in one year. This link explains it better than I can...

Correct, but the payout would only begin at age 60. I can get a payout at an age earlier than 60 if I put in 30 years. Still worth it?

I'm not too worried about this, I guess the thought never crossed my mind. My employer is the Medical College of Georgia. They have been around since 1828 and are the #1 Medical school in the state. Even still, once I am vested, I would be entitled to a retirement benefit by TRS and not my...

Thank you all for your intelligent responses. "- How long do you intend to work there (as far as you know)? Is this a lifetime job and at what age do you actually plan on retiring (minimum age)?" I suppose that is the unknown part for me. I could make this a lifetime job, there is a lot of...

Hi, I'm not quite sure if this is the right place to post this so forgive me if it is in the wrong place. I will start out with a short introduction. I am 24, married, college graduate, my only debt is ~$11k in school loans. I started a new position last month at a state college making $39k a...