Think a teacher salary can’t build real wealth? We invite Danny Kafke back to show how educators can pair the Georgia TRS pension with smart, low-fee savings and the right insurance to create stability that rivals seven-figure portfolios. We start with the simple math of the pension—2% per service year—then connect it to a practical plan that protects your family, fights inertia, and keeps more of every dollar you invest.
Danny explains why protection comes first. Life insurance and long-term disability aren’t just line items; they’re the shield that keeps a lifetime of saving from unraveling after one bad break. From there, we dig into catch-up strategies for mid-career teachers who finally have room to save: how much to contribute, where to trim, and how to let automation do the heavy lifting. We tackle the myth that higher income fixes everything, and show how overspending can sink doctors and superstars just as easily as it derails teachers.
The conversation turns to the Southern Education Retirement Consortium (SERC) and its impact on districts—especially smaller ones. By consolidating into a single-vendor model with transparent oversight, SERC slashes plan fees that quietly erode balances. The result: tens of thousands saved per educator over time, higher participation via auto-enrollment, and more money staying in local communities to build generational wealth. Danny’s personal story anchors it all, reminding us that the greatest return on money is freedom to be present for the people we love.
If you’re a superintendent, HR leader, or educator looking for clarity, this one’s a roadmap: pensions, protection, automation, and lower fees. Subscribe, share with a colleague, and leave a review with one question you want answered about your retirement plan—what should we dig into next?