Massive Tax Savings for North Carolina Teachers with Pre-Tax Retirement Plans!

Here’s a fact many North Carolina teachers don’t know:
You’ve been saving on taxes automatically since 1982 — and it’s been helping your retirement grow with every paycheck.

Every time you’re paid, a portion of your salary is sent to the Teachers’ and State Employees’ Retirement System (TSERS). And the best part?
Those contributions are taken out before your taxable income is calculated.

This small detail makes a huge difference.

What Are Pre-Tax Contributions?

Since July 1, 1982, the required 6% retirement contribution for NC teachers has been tax-deferred.
That means:

✔ Your taxable income decreases
✔ You owe less in taxes today
✔ More money goes into your long-term savings

You get an immediate benefit and a future reward.

Present You vs. Future You

Here’s how it plays out:

Present You
• Pays less in taxes now
• Keeps more money in your take-home pay
• Saves without having to make extra decisions

Future You
• Retires with more money
• Benefits from decades of tax-advantaged growth
• Pays taxes later — often at a lower rate

It’s one of the few financial strategies where both versions of you win.

Why This Matters

Many teachers look at their pay stub and wonder why their income feels stretched.
The truth is, part of your paycheck is already working for you in a powerful way — even if it’s not obvious at first glance.

Pre-tax contributions:
• Reduce your tax bill every year
• Increase retirement savings automatically
• Create long-term financial security

It’s one of the strongest benefits teachers receive.

Watch the Replay

We covered this in-depth in our latest Retirement Ready live session.

👉 Watch the full replay here:

Inside, you’ll see real examples of how much this tax benefit can grow over time — and how to make the most of it.

Final Thoughts

Every paycheck, Present You is helping Future You — even if you don’t realize it.
By understanding the tax advantages built into your retirement plan, you can make smarter choices and feel more confident about your financial future.

💡 Want a personalized retirement strategy?
👉 Schedule your free 15-minute call: https://bit.ly/4440F9l