Well I ain't retired yet but in 9.5 year I will be eligible to retire at 45 years old and draw my retirement when I hit that day it will be a month by month decision for me. Worst case I will stay another 8 years and not work a day past 33 year at my current employer go find me some easy job couple days a week to have extra spending money if needed. Seen too many coworkers die from job related cancer just a few years months even weeks after retiring. If I decide to stay 33 years I will retire drawing what my salary was of my last 3 years depending if I chose a plan that supports my wife after I pass on. But in the case she passes before me it will revert back to 100% for me.


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