I tell you, giving up those state benefits and health insurance has to be tough. Teaching is terrible these days, and my wife is a teacher, so I know. These kind of decisions end up becoming "the grass is greener on the other side" kind of deal. Really it all sucks. lol. Anyone that is close to getting full retirement with the state, I would take advantage of that. Even if a teacher has to live on Xanax for a year to get by (just kidding, sort of) Making some extra money while teaching is a good thing though.