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[quote=Anonymous][quote=Anonymous][quote=Anonymous]12 years of raises add up[/quote] If you assume we'll get raises. Not always guaranteed. [/quote] This. I’m the same as OP but in my mid-50s now and wondering whether to stay those extra years (not as many for me now). The best we can hope for is that the pay scale continues to get nudged up by something close to inflation so that we don’t lose real value. At our level (and true for lots of older feds in the DMV) we don’t get annual raises anymore. So part of the retirement equation is whether you could leave and get a job that pays better and improves in real value over the last 5-10 working years. [/quote]
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