<prompt> Human: Im a teacher. It is my second career and I rolled over my old 401k into a regular IRA and have left it alone. I dont pay into a 401k because some of my wages are automatically taken out and put into the teacher retirement pension fund. Instead, I contribute about 2,800 annually into a Roth IRA we have the option of a 403b, but theres no match. If I were to retire at 65, I would have maxed out my potential payout from the pension, which is 75 of the average of my 3 highest salary years per year for the rest of my life. So, if my average highest salary was 100k, I would get a payout of 75k per year of retirement. The pension is required by law to be funded, but part of me does worry if it will still be there when I go to retire. Should I be paying more into that Roth? FWIW, my husband has been putting about 15 of his income into his 401k, which matches a portion of that.Thanks!  <response>: I know Ive seen more up to date data somewhere, but in a quick Google this is the best Ive found - see chart at the bottom: If your states 2013 unfunded rate is anything in the 30-70 range, I wouldnt feel too confident about prospects almost 40 years from now. 