In California it is usually 100k+. I'm at nearly 90k and I'm not even 40. Even in a low salary state it is still more than one would collect from Social Security which was your initial point. I'm not recommending anyone rely on government retirement, regardless of the form, I was simply pointing out that my double-dip is likely to be far more lucrative than a private sector one. And, I also didn't take your question as an insult.