Chuckanut
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
<snip> I am just compassionate and understanding of people who suffer financial hardship because of confusing and difficult to understand rules. Some states ie Texas comes to mind, pay low pensions, and teachers can get screwed. And I for one hate to see a teacher wind up in poverty after a long career.
+1
Toss in those lousy 403-b providers who charge high fees for sub standard performance, and there is plenty to correct.