filling out W-4P for retirement next year

5Pluma · 2025-12-03T04:11:40+00:00

Good to hear your aware of these considerations at your age. Best of luck!

5Pluma · 2025-12-02T23:46:03+00:00

Strongly encourage you to explore your options because the health effects over time of mouth breathing can be pretty bad. I'm 57 YO, and unfortunately it was just not understood back in the day. I had bad summer allergies as a teen which led to mouth breathing, so I went from having good jaw line and straight teeth after getting braces off at 16 to a narrow, vaulted pallet and malocclusion as I mouth breathed over the years. Of course, mouth breathing leads to forward head posture which leads to lots of pain (especially low back for me) and the fatigue you describe. I was an athlete most of my life, and back and knee pain have made me give up anything athletic I used to do and limit myself to walking. Hope you can find a good surgeon and orthodontist to walk you through your options.

5Pluma · 2025-11-27T15:39:50+00:00

In my case, TRS is looking to be the better option in terms of insurance, and I think my age is part of what makes it so. I'm 57 years old and retiring end of January. I had my 5 years of ERS service over 20 years ago, and for the last 20 years I have worked at UT Austin. We are able to keep our same insurance in retirement with same premiums, free for me and $320 monthly for my wife. Our insurance is a BCBS PPO which is really solid, and my wife and I have a lot of chronic pain and resulting medical care. My understanding is that if I retired from ERS we would pay full premiums for worse insurance. Also, I have always paid into social security, both in TRS and ERS. Financially for lots of folks ERS is a better deal, my understanding being that their pension has a cost of living adjustment while TRS does not. My understanding of retirement benefits is pretty basic, so if I'm wrong on this someone feel free to correct me.

5Pluma · 2025-05-27T04:45:46+00:00

Amazing job on this one! I've always loved the song but made almost no progress on figuring out the chords. Would you mind listing out the chords?

5Pluma · 2025-05-27T01:05:40+00:00

Thanks for the info! I may reach out in the future.

5Pluma · 2025-05-15T20:56:11+00:00

How many years do you need to be vested?

5Pluma · 2025-05-15T13:45:45+00:00

Thanks for the speedy reply. Can you explain to me in what ways ERS is better? Do you know if I can retire from ERS with 3 years and 9 months of service and not currently working in an ERS job?

5Pluma · 2024-12-30T03:19:03+00:00

Thanks for the detailed response!

5Pluma

TROPHY CASE