[next_xibalba]

Most public K-12 teachers teach 9 months out of the year. So annualizing that salary gets you to $64,149. Supposing a two income household of two teachers earning that amount ($128,299), the household would be earning a good bit above the median household income of $83,730.

[RhysU]

Now, add in the pre-tax earnings that would be necessary to emulate a teacher's risk-free pension. One would need post-tax investments which must be turned into an annuity on retirement. It's not a small sum.