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MODULE 10 OF 10 — FINAL MODULE

Your Retirement Game Plan

You made it to the championship. Here's your playbook for winning retirement.

Module 10 - Your Retirement Game Plan

The Final Buzzer: Your Retirement Starts Now

🏆 Congratulations! You Did It!

You just completed something most teachers never do: You built a comprehensive retirement plan.

You now understand teacher retirement at a level most of your colleagues haven't reached. You understand the 30% income gap. You know how to pick vendors, avoid fees, maximize contributions, and stay the course through market volatility.

That knowledge can potentially be worth hundreds of thousands of dollars — or more — over your career, depending on your individual circumstances.

What You've Accomplished

Over the past 9 modules, you've learned:

Now you're in Module 10: Your complete retirement playbook and ongoing resource guide.

Your 4 Retirement Income Sources

A comfortable teacher retirement comes from four sources working together:

1. Pension (50-70% of final salary)

Your state pension system provides reliable monthly income for life. The exact amount depends on your years of service and final average salary. Most teachers receive 50-70% of their working income from their pension.

2. Social Security (20-30% of final salary)

Social Security provides additional income for eligible educators. Many receive an estimated $1,500-$2,500/month, though amounts vary based on individual earnings history. Important: Some states (CA, TX, IL, OH, MA, and others) have pension systems where teachers do not pay into Social Security and do not earn SS credits from their teaching salary. If you teach in one of these states, your pension may be your only guaranteed retirement income — unless you have earned Social Security credits through other employment. Good news: The Social Security Fairness Act, signed in January 2025, repealed the WEP and GPO provisions that previously reduced or eliminated Social Security benefits for educators who earned credits through non-teaching work. Check with your state pension system to confirm whether your position participates in Social Security.

3. 403(b), 457(b), and/or Roth IRA (Fills the 30% Gap!)

Your voluntary retirement accounts fill the income gap between your pension/Social Security and your actual retirement needs. This is where YOU control your financial future.

4. HSA (Tax-Free Healthcare Fund)

If you have a high-deductible health plan, your HSA provides tax-free money for healthcare costs in retirement. Healthcare expenses can average $172,500 per person or $345,000 per couple even WITH Medicare (Fidelity 2025 estimate).

✅ Sample Retirement Income Breakdown

Teacher: Sarah, 30 years of service, $70,000 final average salary

  • Pension: $42,000/year (60% replacement, 2% multiplier)
  • Social Security: $24,000/year (for educators whose positions participate in Social Security)
  • 403(b) withdrawals: $18,000/year (4% rule on $450K balance)
  • HSA withdrawals: $8,000/year (tax-free for medical expenses)

Total retirement income: $92,000/year

In this hypothetical illustration, Sarah's working income was $70,000 and her projected retirement income is $92,000 — potentially more than her working salary because she saved aggressively in her 403(b) and maxed out her HSA. Actual results will vary based on individual circumstances.

Coach Marty Coach Marty's Real-World Breakdown

Here's what my retirement actually looks like after 31 years in California:

Pension: My CalSTRS pension covers my monthly expenses. Being debt-free and living modestly makes a huge difference here. I don't take that for granted — having access to a defined benefit pension is something not many workers in this country can say. As teachers, we're fortunate to have this fixed income foundation in retirement.

Social Security: Zero. California teachers don't contribute to Social Security, so I don't receive it. This is true in several states (TX, IL, OH, MA, and others) — check yours.

403(b) & 457(b): When I retired, I rolled my 403(b) — which was a mix of pre-tax and Roth contributions — and my Roth 457(b) into IRAs at Fidelity. The pre-tax portion went into a Rollover IRA, and the Roth portions went into my Roth IRA. I turned 59½ in December 2025, so I now have penalty-free access to all retirement accounts if I need to pull from them.

Substitute teaching: This gives me extra money each month for traveling, or anything I need beyond what the pension covers. It also means I don't have to touch my retirement accounts — they can keep growing and compounding. It goes perfectly with my "work optional" lifestyle — I choose when and where I work.

Your breakdown will look different from mine. The point is: every one of these income sources started with a decision to take action. I didn't start until 52. Imagine what you can build with more time.

What Your Retirement Looks Like

Your retirement lifestyle depends heavily on how much you save in your 403(b) and 457(b). Here are three real scenarios:

Scenario 1: The Struggler (Saved 0-3%)

Income Source Monthly Amount
Pension $3,500
Social Security $2,000
403(b)/457(b) $200 (tiny balance)
Total $5,700/month

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Reality check: Working income was $5,833/month. Retirement income is LESS. The Struggler has to cut expenses, delay retirement, or work part-time. No travel budget. No financial cushion for emergencies.

Scenario 2: The Comfortable Retiree (Saved 10-15%)

Income Source Monthly Amount
Pension $3,500
Social Security $2,000
403(b)/457(b) $1,500 (4% of $450K)
HSA $500 (healthcare)
Total $7,500/month

← Scroll to see full table →

Reality check: Working income was $5,833/month. Retirement income is MORE. The Comfortable Retiree travels, helps grandkids with college, handles medical expenses without stress. Financial security achieved.

Scenario 3: The Wealthy Retiree (Saved 20%+)

Income Source Monthly Amount
Pension $3,500
Social Security $2,000
403(b)/457(b) $3,300 (4% of $1M+)
HSA $1,000 (healthcare)
Total $9,800/month

← Scroll to see full table →

Reality check: Working income was $5,833/month. Retirement income is SIGNIFICANTLY MORE. The Wealthy Retiree has complete financial freedom. Extensive travel, leaving a legacy for kids, retiring early if desired. Teaching for passion, not paychecks.

Which scenario do you want to live? Savings rate is one of the most important factors influencing long-term retirement outcomes. Same job. Same pension. Different choices can lead to very different results.

Your Game Plan by Decade

What many teachers focus on in each decade of their teaching career:

👶 Your 20s: Build the Foundation
Priority: Follow the savings priority ladder (Module 5) — aim for 5-10% beyond your pension
  • Build a 3-month emergency fund in a high-yield savings account (Step 1 on the priority ladder)
  • Pay off any high-interest debt — credit cards, personal loans (Step 2)
  • Consider opening a Roth IRA with a low-cost provider (e.g., Fidelity or Vanguard) — better investment choices, no annuity traps (Step 3)
  • If eligible, open an HSA and start contributing (Step 3b)
  • Enroll in your district's 457(b) or 403(b) with a low-cost, green light vendor (Steps 4-5)
  • Choose a target-date fund or total market index fund
  • Avoid lifestyle inflation as salary increases
Why this matters: Starting earlier can significantly increase long-term retirement savings — hypothetical projections suggest the difference could be $400,000 or more due to compounding.
💼 Your 30s: Increase Contributions
Priority: Increase to 10-15% total savings beyond your pension
  • Many educators find that gradually increasing contributions by 1-2% as income rises makes a meaningful long-term difference
  • Max your Roth IRA ($7,500/year) if not already doing so
  • If eligible, max your HSA ($4,400 individual / $8,750 family)
  • Check vendor fees on 403bwise.org — switch if red light
  • Consider opening a 457(b) if not already enrolled
  • Maintain your 3-month emergency fund
  • Update beneficiaries after marriage/kids
  • Resist temptation to raid retirement for a house down payment
Why this matters: Your 30s are peak earning growth years — maximize contributions before life gets expensive.
🎯 Your 40s: Maximize & Optimize
Priority: Target 15-20% total savings, push toward maxing out accounts
  • Push toward $24,500/year contributions (max out one account)
  • If you have both 403(b) AND 457(b), consider maxing both ($49,000/year)
  • Ensure your Roth IRA and HSA are maxed
  • Don't let college costs for kids derail retirement savings
  • Stay the course through market volatility — you have 20+ years until retirement
  • Review asset allocation (still 80-90% stocks at this age)
Why this matters: Your 40s are your power decade — highest salary, most financial discipline, kids becoming independent.
🚀 Your 50s: Catch-Up Mode
Priority: Use catch-up contributions, max out everything possible
  • Contribute $32,500/year to 403(b) (includes $8,000 catch-up)
  • Contribute $32,500/year to 457(b) (includes $8,000 catch-up)
  • Combined max: $65,000/year if you can swing it
  • Ages 60-63: SECURE 2.0 super catch-up — $35,750 per account ($71,500 combined!)
  • Shift asset allocation slightly (70-80% stocks, 20-30% bonds)
  • Calculate retirement date and income needs
  • Pay off mortgage if possible (optional)
Why this matters: This is your last chance to catch up if you started late. Every dollar counts.
Coach Marty Coach Marty says:

This decade is MY story. I didn't start investing until age 52. If you're reading this and you're in your 50s and panicking — I get it. But here's what I know: if you've made it to this module, you've read the other modules, played with the calculators, maybe completed the game plan PDF, interacted with the chatbot, and done the quizzes. You already have the knowledge and the tools.

This is the time to put it into action. No matter where you are in your teaching journey, you can take steps to put your future self in a better place for retirement. Don't let a late start keep you from starting! The worst thing you can do is nothing. Open up that 403(b), 457(b), maybe even an HSA. Get that ball rolling!

I spent years digging out of $41,000 in debt before I ever opened a retirement account. Then at 52, I went all in — and still made it to retirement on my own terms. Your 50s aren't too late — they're your catch-up decade. Use every tool in this course and make it count.

🏖️ Your 60s: Transition to Retirement
Priority: Finalize retirement date, shift to conservative allocation
  • Ages 60-63: Take advantage of SECURE 2.0 super catch-up — $35,750 per account ($71,500 combined)
  • Continue maxing contributions until retirement day
  • Shift to 60% stocks / 40% bonds (or target-date fund handles this)
  • Meet with HR to confirm pension calculation and start date
  • Apply for Social Security 3 months before desired start date
  • Plan healthcare coverage if retiring before 65 (Medicare age)
  • Finalize withdrawal strategy (the 4% rule is a commonly referenced guideline — actual safe withdrawal rates depend on individual circumstances)
Why this matters: Proper planning in your 60s ensures a smooth transition to retirement without financial stress.

Your Annual Financial Checkup

Some districts have formal open enrollment periods, and some don't. Either way, the beginning of the school year is a great time to review your financial game plan — or even better, give yourself a head start and do it a month before school starts. Set a recurring calendar reminder every August or September to complete this checklist:

✅ September Financial Checkup Checklist

  • ☐ Consider increasing contributions by 1-2%: Especially if you got a raise or step increase
  • ☐ Check vendor fees on 403bwise.org: Red light? Many educators explore switching to a lower-fee vendor (Module 9)
  • ☐ Review beneficiaries: Marriage, divorce, births, deaths—update immediately
  • ☐ Verify you're on track: Use Income Gap Calculator to see if you're closing the 30% gap
  • ☐ Log into vendor account: Confirm contributions are being invested (not sitting in cash)
  • ☐ Review emergency fund: Still have 3 months of expenses saved?
  • ☐ Check HSA balance: If eligible, are you maxing it out?
  • ☐ Update contact info: Make sure vendor has current email/phone/address
  • ☐ Celebrate progress: Look at your balance growth—you're building wealth!

Time required: 30-60 minutes once per year. That's it.

Impact: This annual checkup keeps you on track, catches problems early, and ensures you don't miss opportunities to increase savings.

Coach Marty Coach Marty says:

I really wish I'd had a checklist like this during my teaching career. Championship teams don't wing it — they review game film, adjust strategy, and practice fundamentals. Your annual financial checkup is your game film review. 30 minutes once a year to protect hundreds of thousands of dollars. Best time investment you'll ever make.

Bonus tip for couples: Consider scheduling a monthly "money date" with your spouse or partner. Andy Hill from the Marriage Kids & Money Podcast recommends this, and I love the idea. Set aside time once a month to review your finances together — check your progress, discuss upcoming expenses, and make decisions as a team. It keeps you on the same page and makes the annual checkup even easier because you've been paying attention all year. Here's a great article on how they do it.

📌 Module 10 Summary

  • You now control your financial future—you're among a small group of teachers who've built an actual plan
  • Your retirement income comes from 4 sources: pension, Social Security, 403(b)/457(b), and HSA
  • Save 15-20% total (including pension) to close the 30% income gap and retire comfortably
  • Set annual September reminder: increase contributions, check fees, update beneficiaries, verify progress
  • Avoid the top 10 mistakes: cashing out, high fees, starting late, panic selling, no emergency fund, wrong allocation, no beneficiaries, not increasing with raises
  • Use the resources: 403bwise.org (vendor check), Income Gap Calculator, ChooseFI.com (financial independence)
  • Timeline: 20s = start, 30s = increase, 40s = maximize, 50s = catch-up, 60s = transition to retirement
  • Knowledge without action doesn't build wealth — consider taking your next step as soon as you're ready
  • Stay in the game for 30 years. Don't quit when it gets hard. Champions push through adversity.
  • A structured retirement savings approach can significantly improve your long-term financial outcomes. Take action on what you've learned.

Top 10 Teacher Retirement Mistakes (And How to Avoid Them)

Don't make these common (and costly) mistakes:

❌ Mistake #1: Cashing Out When Changing Jobs

The disaster: Taking $40,000 as cash when switching districts. After taxes and penalties, you get $26,000. That $40,000 could hypothetically grow to approximately $400,000 by retirement, assuming historical market returns.

The fix: Many educators roll over to a new employer plan or IRA using a direct rollover — receiving a check made out to yourself typically triggers taxes and penalties that can eliminate 30-40% immediately.

❌ Mistake #2: Paying High Fees

The disaster: Staying with a 1.5% fee vendor for 30 years. Hypothetical cost: approximately $250,000+ in reduced long-term growth.

The fix: Check 403bwise.org. Red or yellow light? Switch to green light vendor. Target fees under 0.25% for index funds.

❌ Mistake #3: Not Starting Early Enough

The disaster: Waiting until age 40 to start saving. Missing 15 years of compounding could hypothetically mean $300,000+ less at retirement, based on historical averages.

The fix: Enroll in your first year of teaching. Even 3-5% is better than zero. Time is your biggest advantage.

❌ Mistake #4: Stopping Contributions During Market Crashes

The disaster: Panic selling in 2008 and stopping contributions. Missing the 2009-2020 bull market recovery could have meant $200,000+ in lost growth.

The fix: Many long-term investors continue contributing during market downturns — historically, that's when shares are purchased at lower prices. Staying consistent has been one of the most effective wealth-building habits.

❌ Mistake #5: No Emergency Fund (Then Raiding Retirement)

The disaster: $3,000 car repair, no emergency fund, withdraw from 403(b). Taxes + penalties + lost growth = $40,000+ true cost.

The fix: Build a 3-month emergency fund FIRST. Keep it separate from retirement accounts. Many educators treat retirement accounts as a last resort for emergencies.

❌ Mistake #6: Not Checking for Employer Match (Rare But Worth Asking)

The disaster: Most districts don't match 403(b)/457(b) contributions (they only match your pension, which is automatic). But a few rare districts DO offer a 403(b) match—and not contributing means leaving free money on the table.

The fix: Ask HR: "Does our district offer any employer match for 403(b) or 457(b) contributions?" If yes, contribute at least enough to get the full match. It's instant 100% return. If no (which is most likely), don't worry—just focus on maximizing your own contributions.

❌ Mistake #7: Forgetting About HSAs

The disaster: Eligible for HSA but never opening one. Missing triple tax advantage + $200,000+ tax-free healthcare fund.

The fix: If you have a high-deductible health plan, many educators consider the HSA one of the most tax-efficient accounts available — with triple tax advantages not found in other accounts.

❌ Mistake #8: Wrong Asset Allocation

The disaster: Being 100% bonds at age 30 (too conservative) or 100% stocks at age 64 (too aggressive).

The fix: Use a target-date fund OR follow age-based allocation (stocks = 110 minus your age). Rebalance annually.

❌ Mistake #9: No Beneficiaries Listed

The disaster: Dying without beneficiaries on file. Account goes through probate. Family waits months/years to access money.

The fix: Designate primary AND contingent beneficiaries. Update after major life events (marriage, divorce, births, deaths).

❌ Mistake #10: Not Increasing Contributions After Raises

The disaster: Getting 3% raises every year but never increasing retirement contributions. Lifestyle inflation eats all raises.

The fix: Every time you get a raise, increase retirement contributions by 1-2%. You won't miss it, and it compounds into six figures.

Frequently Asked Questions

Q: I'm 45 and haven't started saving. Is it too late?
A: NO! It's not too late. Coach Marty spent years paying off $41,000 in debt before he even opened a retirement account — and didn't start investing until age 52. He still retired on his own terms after 31 years of teaching. You have 20 years until retirement. If you save aggressively (15-20%) and use catch-up contributions after age 50, you can still build $300K-$500K. That's $1,200-$2,000/month in retirement income on top of pension. Many educators find that starting as soon as possible makes the biggest difference.
Q: Should I pay off my mortgage or save for retirement?
A: Many educators balance retirement contributions with mortgage payments rather than prioritizing one entirely. The tax-deferred growth potential of a 403(b) is often cited as a reason to continue retirement contributions even while carrying a mortgage — though the right balance depends on individual circumstances.
Q: My district only has high-fee vendors. What should I do?
A: First, ask HR to add Fidelity or Vanguard to the approved list (many districts will). Second, pick the BEST available option even if not perfect (Module 4 covers fee tiers and vendor ratings). Third, contribute anyway—a high-fee 403(b) is still better than no 403(b). You can roll over to a low-fee IRA when you leave the district.
Q: Should I contribute to 403(b) or 457(b) first?
A: Some educators prioritize the 457(b) due to its penalty-free early withdrawal advantage when leaving employment. If both can be funded, many educators choose to do so. Combined limit: $49,000/year (or $65,000 if 50+). Ages 60-63 get an even bigger boost with the SECURE 2.0 super catch-up: $35,750 per account, or $71,500 combined. See the full priority ladder in Module 5 for where each account fits.
Q: What if the market crashes right before I retire?
A: This is why you shift to bonds as you age (60% stocks / 40% bonds by age 60). The bond portion provides stability during crashes. You can delay retirement by 1-2 years if needed to let the market recover. Or use the 4% rule—withdraw from bonds while letting stocks recover.
Q: Can I retire early as a teacher?
A: Yes, but it requires planning. Many pension systems allow retirement with reduced benefits after 20-25 years of service. You'll need a larger 403(b)/457(b) balance to cover the gap until full pension and Social Security kick in. Healthcare before Medicare (age 65) is the biggest challenge.
Q: How much should I have saved by age 40? Age 50?
A: Age 30: 1x annual salary. Age 40: 3x annual salary. Age 50: 6x annual salary. Age 60: 8-10x annual salary. These are commonly cited ballpark targets — if you're behind, many educators focus on increasing contributions and using catch-up provisions after 50.
Q: Should I do traditional 403(b) or Roth 403(b)?
A: Many educators use traditional contributions since they may be in a higher tax bracket now than in retirement — though the right choice depends on individual tax circumstances. Roth contributions may make sense if: (1) you're early in your career with a lower salary, (2) you expect a higher tax bracket in retirement, or (3) you want tax diversification. The Roth vs. Traditional Calculator can help illustrate the difference. Try the Roth vs. Traditional Calculator →
Q: My vendor charges 1.2% fees. Should I switch?
A: A 1.2% fee is worth taking seriously. It could reduce your retirement savings by $100,000-$200,000 or more over a career, based on historical projections compared to a 0.04% fee. Check 403bwise.org for your vendor's rating. If red or yellow, switch to a green-light vendor (Module 9 covers exactly how to do this).
Q: What's the 4% rule?
A: Withdraw 4% of your retirement account balance in year 1 of retirement, then adjust for inflation each year. Example: $500,000 balance = $20,000/year in withdrawals. Historically, this approach has supported 30+ years of withdrawals in many scenarios, though individual results may vary. One important note: the 4% rule was based on a 30-year retirement period. If you retire at 55 and live to 90, that's 35 years — some financial educators suggest using a more conservative 3.0%–3.5% withdrawal rate for longer retirements, or planning for supplemental income in the early years to reduce withdrawals while your portfolio continues to grow.
Q: Should I invest in individual stocks?
A: Many educators prefer broadly diversified index funds due to lower costs and built-in diversification. Historical data shows that the majority of professional fund managers underperform broad market indexes over long periods — a key reason many educators gravitate toward index funds over individual stock picking.
Q: How do I know if I'm on track?
A: Use the Income Gap Calculator to see if your current savings rate will close the 30% income gap. Check your balance against the age milestones (1x salary by 30, 3x by 40, 6x by 50). If you're behind, increase contributions now.
Q: What happens to my 403(b) when I die?
A: It goes to your named beneficiaries immediately (bypasses probate). This is why designating beneficiaries is CRITICAL. If no beneficiaries are listed, it goes through your estate (probate = months or years of delays). Update beneficiaries after every major life event.
Q: Can I contribute to an IRA AND a 403(b)?
A: Yes! 403(b) limit ($24,500) and IRA limit ($7,500) are separate. You can contribute to both. For most teachers, consider maxing your Roth IRA first — better investment choices and no annuity traps — then contribute to your 403(b) or 457(b). See the priority ladder in Module 5 for the full breakdown.
Q: I got laid off. What do I do with my 403(b)?
A: You have 4 options: (1) Leave it where it is, (2) Roll to new employer plan, (3) Roll to IRA, (4) Cash out (NEVER do this). Many educators roll to an IRA with a low-cost provider (such as Fidelity or Vanguard, mentioned as educational examples, not endorsements) for broader investment options and potentially lower fees. Use DIRECT rollover.

📚 Resources & Tools

Everything below is a resource I've personally used, read, or listened to on my own journey from late-starter to early retiree. These aren't random recommendations - they're the actual tools, books, and podcasts that shaped how I think about money. Some episodes have specific numbers listed because I referenced them in earlier modules.

🛠️ Tools

Coach Marty Coach Marty says:

I've used Hoopla and Libby for about 10 years now, and they've been incredible. So much free content — ebooks, audiobooks, you name it. Many of the books listed right here in this resources section are available on these two apps for free. All you need is your local library card. Once you activate that card in the app, the whole library opens up on your phone. You can start your own financial education journey without spending a dime. Take advantage of it.

🎧 Podcasts & Episodes

Teacher-Specific:

Retirement & Financial Independence:

Personal Finance & Investing:

Business & Entrepreneurship:

Investment Education:

📚 Books

Teacher Specific:

Investing & Building Wealth:

Mindset & Systems:

🏆 Coach Marty's Championship Speech

Before I send you out there, let me tell you something personal.

You know my story by now. $41,000 in debt in 2007. A car repossession. Years of digging out before I ever invested a dollar. Then at 52, I finally started — a studio apartment, a Honda Civic with 200,000 miles, and every dollar I could put toward my future. By most measures, I was way behind — decades behind some of you reading this right now.

You know what made the difference? I didn't make perfect decisions. I made imperfect decisions and stuck with them. I read every book and listened to every podcast I could find. I put every dollar I could into my 403(b), my Roth 457(b), my HSA, and my Roth IRA. And I never stopped.

Today? I'm retired on my terms. And I built this entire course because I finally had the time and the freedom to give back.

That's what a plan does. That's what staying in the game does.

Now let me be real with you: The difference between teachers who retire comfortably and those who struggle isn't luck. It's not intelligence. It's not salary. It's having a plan — and the discipline to stick with it.

You now have that plan. Over the last 9 modules, you've learned more about teacher retirement than 95% of your colleagues will ever know.

But knowledge without action is just trivia. You can't win the championship by reading the playbook. You have to get on the court and play.

So here's what I need you to do:

1. If you're not enrolled yet, consider enrolling as soon as you're ready. Many educators wish they had started sooner. Every month of delay is potential compounding growth missed.

2. If you're already enrolled, check your vendor on 403bwise.org RIGHT NOW. Red light? Many educators explore switching to a lower-fee vendor. Yellow light? Worth investigating. High fees can significantly reduce long-term growth.

3. Set your annual reminder. Every year before school starts, run through the financial checkup. Many educators gradually increase contributions by 1-2% as income allows. Update beneficiaries. Stay on track.

4. When life throws you a curveball — and it will — don't quit. I've been through it. You will too. And you'll get through it.

Stay in the game.

The market will crash. Bills will pile up. Colleagues will tell you to stop contributing and "enjoy life now." Family emergencies will test your commitment.

What separates champions from everyone else isn't avoiding adversity — it's pushing through it. Don't quit. Adjust your strategy. Stay in the game.

Whether you want to retire early, work part-time, travel, volunteer, spend more time with family, or just sleep soundly knowing you're financially secure — this plan gives you the freedom to choose.

You've got everything you need. The knowledge. The tools. The plan.

I'm proud of you for making it this far. Now finish strong.

Now go build your wealth. 💪

— Coach Marty

🎓

You've Made It to the Final Exam!

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