Are you counting on that city, state, fed pension?

[mpatch]

I can start next year after 34 years. I want to go another 4. Not much in the way of a pension for us .gov federal workers anymore but it is better than nothing. After 37 years with a final high 3 pay of $65K my annual "defined benefit" will be about $24K per year.

snip

So you retire at 35 years at roughly 60 then live for another 20-30 years getting 24k every year. Any math guys that can tell me how much that would equal in a traditional retirement account?