Join Shaun Morgan on *The Teacher Money Show* as he sits down with Ryan Cruz, co-author of *TL;DR Texas Pension*, to discuss Ryan’s inspiring journey toward financial independence. From overcoming debt to mastering pension rules, Ryan shares actionable insights every teacher can benefit from.

Explore the show notes at:

https://www.teachermoneyshow.com/show60

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**Highlights from the Episode:**

💸 **Eliminating Debt and Building Wealth** (@3:26):

Like many people, Ryan began his career with $50,000 in debt. When he got married they had $60,000 in debt. Within 10 months they paid off student loans, credit cars, and a car loan within the first year of marriage. That is impressive! He then switched these dollars to maxing out retirement accounts like Roth IRAs and 403(b)s to retire early at age 55. And so can you!

🏦 **Mastering Texas Pension Rules**

Each pension is so different it is important to know the rules of the Game. In Texas, for example, Ryan explains the “rule of 80” and how understanding your pension plan can lead to earlier retirement and better financial outcomes. If you are relying on your pension, make sure you understand it!

🌍 **Retirement Goals and Giving Back**

Whatever you do in retirement make sure you plan to do it! Ryan shares his plans including traveling, spending quality time with family, and using his resources to support teachers and organizations like NGPF.

**If you’re a teacher aiming for financial independence, this episode is packed with insights to help you build wealth, navigate pension systems, and create a stress-free retirement!**

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