<prompt> Human: I will be starting a job in the next few months that lets me retire with 3 50. Should I still contribute to an outside IRA or 401k? I plan on working 25-30 years in order to get the most out of the pension.  <response>: Yes. Just because the pension is awesome now, that doesnt mean it will be awesome in 25-30 years. If you doubt this, look at state employee pension or auto worker pensions when the shit hit the fan. 