"I'm a public school teacher, and while we make a significant amount more than other areas of the country, it is difficult. Very hard to save any money, or allocate any percentage to my retirement"
.DRS, I'm curious- where do you teach? Are you saying that your school system does not automatically deduct from your salary towards pension? never heard of that.
Also, I wonder if your school system has a credit union type of plan where they will automatically take any amount you choose from your check and put it in a savings account.
<-----I'M TOTES ROLLING MY EYES