<p>Two suggestions here. First, ask the teachers union rep all your retirement questions, or contact your state dept of ed's teacher retirement system for advice. They can't really give you a personal answer, but can lay out all the math for you. </p>
<p>Second, consider below:</p>
<p>My experience was that I completed my masters degree and certification, with all the student teaching, before I ever set foot in my own classroom. At that time, I was around 40 years old with 3 kids at home (youngest in preschool).</p>
<p>All the other new teachers hired alongside me that year were young, single and working on their masters degrees in the evenings at the same time they had their first year as teachers, trying to keep hold of the curriculum, the studeents, and undergo teaching evaluations by principals several times a year in their classrooms. They also had to write papers and take exams for their grad school courses.</p>
<p>I would say we were equally burdened/busy after school. They had to take off at 3 p.m. and travel an hour (on icy rural roads) to get to their classes. They had weekends full of projects assigned by their teacher college classes, PLUS the weekend preparation work that all teachers do. In H.s., you'd have papers to grade, parent-teacher conferences to prepare, etc. </p>
<p>I felt sorry for them because they had to take off immediately from school to go to their grad school, came home late at night, and woke up at 6 a.m. to begin teaching the next day. On the other hand, they had no dinner to prepare, children to feed and help w/ homework, spouse who had to report his day...all that. At the time, I felt they had it much harder than I did.</p>
<p>They felt sorry for me (married household, 3 kids) and I felt sorry for them (single w/ grad school responsibilities) as we struggled through the first year as teachers. As we used to say, for a single girl the housework means "wiping the lipstick off the milk carton." </p>
<p>I had the luxury of my H's income to pay for the grad schooling. We had to take out a big loan to pay for a year of live-in nanny which cost 3x the tuition. All of that money was paid back to us a year after I began teaching, however.</p>
<p>I liiked the feeling of having all my coursework done. No extra assignments, no evening courses, and most importantly I could concentrate on doing a GREAT job preparing my classes. It took 3 years to gain tenure and we were observed frequently during the year, so I never wanted to give a bad or tired lesson.</p>
<p>My thought is: if you have someone to support you (with housing, or parental tuition help), just get it all out of the way educationally before you begin to teach a real classroom. That first year of teaching is very hard and stressful.
Also, you'd be starting with the benefit of the coursework lessons and readings in pedagogy from the grad school classes. </p>
<p>You'll be that much older than your h.s. students.</p>
<p>The ONLY reason to begin right after college and do the masters simultaneously is the money they pay to "get" you your masters. But you
pay in blood, sweat and tears to do that double-load of work. No social life,
either, at a time when you might really like to meet someone special.</p>
<p>That's my take on it. YMMV. I'd be curious to hear from a teacher who did
it the other way.</p>
<p>I'd also say decide it according to your needs as a young person, not whether or not you'll retire 2 years earlier.</p>