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Message: <blockquote data-quote="SmithBarney" data-source="post: 3093038" data-attributes="member: 709">Your Average FT CRR with 10yrs has about 20k in the Pension plan... don't count on retiring on that kiddo! save for your self, maximize 401k(after tax when possible) Get a financial planner, who can once a year or more guide you to help invest wisely.As for raises, saw the original email, it just said expect 3% raises(nothing about who or what step) and the chart wasn't ready yet... who knows after the screwing most people receive, get ready again.  Doesn't make sense why they would at 3% to the top if they are trying to "save" money giving more to the top(typically the oldest/slowest/more prone to injury) <- these are from stats not opinions. But then again nobody understands WTF X is doing half the time.</blockquote>