My charter has no retirement benefits. No matching, no savings, nothing. Anyone else have a similar setup? How do you feel about it? I feel like my current job is not a long-term career option for this reason, as well as the fact that the pay is very low (I have a master's degree and am earning less than I would with a bachelor's degree at a public school). My old public school had an amazing retirement plan, and so do most schools in my area, but I'm terrified to go back to working in that environment after my last experience. I think I'd rather just leave teaching altogether. If I stay long-term, I guess I'd have to look into private retirement plans... Any opinions? Would you stay at a school with lower than average pay and no retirement?