Federal Employee Retiring at 61: Should You Wait for the 1.1% Multiplier? скачать в хорошем качестве

Federal Employee Retiring at 61: Should You Wait for the 1.1% Multiplier?

You just turned 61 and the grind of federal employment feels harder than ever. The big question: can you afford to retire now—or should you hold out one more year for the higher 1.1% FERS multiplier? In this video, we break down a real case study of a federal employee at age 61, earning $185K, who is weighing whether to retire now or push through another 12 months. We’ll cover: ✅ The impact of retiring at 61 vs. waiting for the 1.1% multiplier (a 17% permanent jump in benefits) ✅ The trade-offs between continuing FEHB immediately vs. postponing for a year ✅ How the FERS pension, Special Retirement Supplement (SRS), and portfolio withdrawals fit together ✅ What $1.8M in retirement assets + FERS + SRS translates into for monthly income (~$9,000 after tax) ✅ Other key factors: TSP/IRA accessibility, COLA timing, investment risk, and bucket strategy ✅ Insurance, estate planning, and tax considerations For many federal employees, the decision to retire isn’t just about the math — it’s about timing, trade-offs, and confidence. If you’re 61 and asking “Can I really afford to step away now?” this breakdown will help you understand what’s at stake. ------- Let's Connect: Email: [email protected] Linkedin:   / justinholtz   Website: https://districtfa.com/