CA - Part time gig post retirement/FI

[lefty]

I thought about substitute teaching at a public school here in CA post retirement.
However this gig doesn’t contribute to Social Security and there was something about a reduced social security collection once I get on their mandatory retirement plan (pension).
Not really working this sub teacher gig for financial reasons and I might just do it once a month or 2.

Has anyone done this (sub teach) before here in CA in a similar situation? I have about 20 years of SS contribution.

Anyone have a better idea for a part time post retirement/FI gig other than sub teacher here in CA?

[ixtap]

Hmmm, I have been thinking of similar and hadn't considered this aspect. Of course, my SS record is already dismal, but I would want any contributions to go to a 457 or similar. In OH I was able to cash out my part time pension contributions once I left.

I wonder if you could sub for a private or charter school, instead.

[lefty]

Yes I’m in the process of applying for that now, at a private school. $$ sucks but I’m not there for financial reasons. So that may be an option.

[lefty]

Thanks, yes I think I understand how the plan works and its CALstrs.
They had an example on the CALstrs website where someone had 20 years of SS contribution and the SS reduction was 30%.

Granted in this example, the individual may qualify for the pension ($3500 min) and 5 years of service.

I spoke with the CA state HR, CALstrs and APPLE but none were confident to tell me what the SS reduction would be since its the SS office that has control over this. They did point me to the same link you did but nobody I spoke to knows for sure.

Example from the link you sent:

If you turn 62 in 2023 (ELY 2023) and you have 20 years of substantial earnings, WEP reduces your monthly benefit by $557. (Refer to the chart below.)

[Dicey]

Get a seasonal job at Costco?

[Catbert]

Get a seasonal job at Costco?

Or UPS?

[Zette]

If you enjoy teaching 1:1 there is a huge need for dyslexia tutors. Or tutor your favorite subjects a few hours a week through a site like Wyzant.  If you like having a class, you class offer your services on Outschool or to local homeschool groups.

[calimom]

What about substituting for a charter school or a private school? Neither one would be a CalPers situation, correct?

[lefty]

Thanks, that's what I understand. Looking into charter and private school at the moment.

[Car Jack]

Definitely get all the facts, including pay if you consider substituting.  In my town (west of Boston) they pay $75 for a day of substituting.  If you would do it for free, ok.  But I wouldn't do that at basically $10 an hour (below state minimum wage) for putting up with these kids.