I'm about to start my first year teaching highschool science. Kind of a career change, I have been in the military, and had jobs, payed into social security, as well as my own retirement, I am in my mid 30's. I just looked at a TRS calculator and holy moly! If I'm not mistaken, they want 16,000 if you gross 52,000. That alone would reduce your net take home to 36,000.... I kinda don't want to have anything to do with this TRS, and I'd like to just use 403b. Please tell me there is a way to opt out. I haven't signed a contract yet.