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Credit scores: Advice to a college student

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It depends heavily on your workplace. Is it a workplace that deals with candor well or not?

Based on your comments, it sounds either like your workplace doesn’t handle candid discussions very well or that you’re nervous bringing them up. If it’s the former, you’ll want to tread carefully, as people can view candor in such situations quite negatively. If it’s the latter, you need to bring this up if it’s bothering you.

This sounds like something that is negatively impacting how you feel about your workplace and thus impacting your performance. If that can easily be brought up in the workplace, it needs to be. Both you and your employer are losing because of this situation.

Q5: Pension or Roth?
I am a 25 year old police officer. Our current statewide retirement system takes a portion of our weekly pay and places it into the state account. For example, my gross pay this year is currently at $83,126 (I work a large amount of road details) and they have taken out $7730. When retirement age comes due at 45 years old we receive a portion of our top 3 years of salary, and I expect to be receiving somewhere in the range of $70,000 per year plus a new second career income.

In addition to the pension, I have a deferred compensation plan set up that I contribute $50.00 a week to and have done so since I started work. Due to raises the last three years in base pay I plan on starting a Roth IRA with the same $50.00 a week contribution.

Gross Pay – $83126
State Pension and Def Comp – $10030
8.28% contribution

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