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Re: Things that make you go "Hmmm...."
Don't wait on the state to provide you retirement. Just like nobody is expecting social security to fund their retirement. Let TRS be supplemental and YOU be responsible. Ya know, in the corporate world they don't provide you anything except maybe matching to a 401k that YOU have to go out and make happen.
Who starts at 65k besides doctors, (probably with massive debt), lawyers, (working 80 hour weeks), and maybe some engineers? Where are these magic 65K starting gigs you speak of? And don't forget what teachers in Texas urban areas are starting at these days......