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Message: [QUOTE="ecasadoSBU, post: 5283310, member: 3976"] Nowadays its hard to find a job with a pension. the public sector has pensions but tends to pay significantly less. I say go take a job in the private sector where pay is significantly higher and max out your pre-tax 403b/401k contributions every year. I have been maxing out my contributions for the past 10 years. My wife has been maxing out hers the past two years and will continue to do so. Good tax savings upfront and now have solid savings on my 403b... and I still earn more than the same job in the public sector. If I stay the course in 15 more years my 403b will be in really good shape. I guess at the end of the day there are many ways to skin a cat. lol [/QUOTE]