Retirement Mistakes Public Employees in Texas Should Avoid
Retirement planning in Texas is different. Don’t fall into these traps.
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Mistake #1: Relying Only on TRS/ERS
They cover only part of your income.
Better Way: Add supplemental, contract-based strategies.
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Mistake #2: Ignoring Healthcare Costs
They grow faster than pensions.
Better Way: Build liquidity for medical needs.
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## Mistake #3: Over-Relying on 401(k)/403(b)
Fees + volatility = stress.
Better Way: Balance with guaranteed income.
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## Mistake #4: Retiring With Debt
Interest robs your freedom.
Better Way: Eliminate strategically before retirement.
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Internal Links:
– [Houston City Page](/texas/houston/)
– [Dallas City Page](/texas/dallas/)
– [Austin City Page](/texas/austin/)
– [Download the FFB Checklist](/checklist)
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Don’t repeat these mistakes.
Download the FFB Checklist
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