Dan and Katelyn discuss how federal employees can navigate early retirement income gaps and whether return-to-office changes should prompt a relocation decision before retirement.
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Dan explains what options federal employees have if they want to retire at their Minimum Retirement Age (MRA) but do not qualify for the FERS annuity supplement. He discusses ways to bridge the income gap before Social Security, including reducing expenses, part-time work, strategic TSP withdrawals, and adjusting investment allocations to support early retirement cash flow.
Katelyn explores how return-to-office requirements can affect long-term retirement planning. She breaks down the true cost of commuting, how location decisions impact savings goals, and what federal employees should consider before relocating closer to work or waiting until retirement. She also covers factors like locality pay, FEHB coverage, taxes, housing costs, and protecting your retirement timeline during a move.
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