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Career Stages

The journey to retirement is filled with opportunities, milestones, and important decisions. No matter where you are in your career, there are actionable steps you can take.

See more on Financial Wellness Guide

Early Career

  • Pay down student loans. Some INPRS members may qualify for Public Service Loan Forgiveness (PSLF). Check if you're eligible!
  • Contribute money toward your retirement account so compound interest can get to work!
  • Build a strong credit score to make major purchases (like your first home) more accessible.

Mid Career

  • Seek professional guidance. A qualified financial advisor can give you advice on investments, insurance, and long-term planning.
  • Try to eliminate all non-mortgage consumer debt.
  • Create a plan for when you pass away so your survivors and beneficiaries are prepared: a will, life insurance, etc.

Late Career

  • Attend an INPRS Benefits Workshop to understand your options.
  • Pay off all loans and mortgages so you can enter retirement debt-free.
  • Eligible to retire but not ready to stop working? Check out our Millie Morgan option. You may be eligible to receive your pension benefit while working.