[andrewprock]

Pensions are typically not paid based on average teacher salary, but paid based on terminal teacher salary. Defined benefit pensions are quite different from a 401k.

In our district, once you qualify for a pension you get 2% of your terminal salary per year you work. If you work for 40 years, you will be paid 80% of your last year's salary.

[light_hue_1]

I don't understand this reply.

I quoted you the actual statistics for MA. https://www.teacherpensions.org/state/massachusetts

Teachers pay into the system, quite substantially, at rates that are similar to what you would pay for a 401k. And their average pensions are quite low.

[andrewprock]

The formula on that page is a fixed benefit based, not on average salary, but the average salary at the end of the teacher's career - last five years.

This is nothing like a 401k.