[jedberg]

> 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]

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]

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]

> 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.

[vkou]

> San Francisco is too weird to exist and is therefore basically irrelevant in national policy discussions.

Not SF, but more people live in LA County than in the ten least popular states. If only we could ignore them and their 20 senators as completely irrelevant when it came to national policy discussions...

(We can't, and we don't.)

[dionidium]

I don't actually want to ignore San Francisco's problems. [0] I would just say that its existence makes national conversations more difficult.

[0] I would tell California that they need to permit about 10x as much housing if they want any more federal help. The U.S. Government should not take on the role of dealing with the consequences of such an obvious self-own. "Our teachers can't find places to live and also it's illegal to build apartments on practically every single lot in the state -- what should we do?" is a question that answers itself.

If you want to be in the Union, then one thing you have to do is allow internal migration, and by that I mean actually allow it, which means you have to allow newcomers to build housing. If you're not allowing newcomers to build housing, then you are not actually in any real sense fulfilling your obligations to the rest of the country.

[jedberg]

10% of America lives in California. Can't really call it an outlier.

[dionidium]

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]

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.

[andrewprock]

When it comes to education pensions, CA is not an outlier. The precise terms vary, but I think most public educators have access to similar pension programs.