Here in Texas, our School Dist's don't pay into SS. Which means if all you've ever done is teach, you don't get SS when you retire. Here's what's bugging me: If you come into the School Dist from a job that pays into SS, thinking you'll work a few years and get 2 retirement checks, you won't. Teachers who would normally qualify for SS retirement only get about 1/4 of their SS benefits due to their also receiving Texas State Teachers Retirement payments. The School Dist's don't bother telling new hires that they've just forfeited their SS retirement. (well not in toto, but about 75% of it..) I know, Caveat Emptor and all that, but even teachers who are close to retirement don't even know this little fact. I've got family members in the local Schools who try to tell their fellow Teachers about this, and get called names for trying to help with good info RE: retirement planning. No one believes it, until it happens to them. Just my little rant for the day.