I am a planning nut, and in 5 years i should be able to retire at about what I make now considering CSRS, state retirment, MRD from 401K and Social Security, and I have based increases on everything except the 401K on 1%. I save $1825/month into the 401K. We haven't received an actual across the board at the state since 2005. I have received increases via promotions, but nothing like the PO contract raises, and there is no such thing as step increases. We get logevity pay, but my last one for 7 years was only $660. Windfall elimination provisions will knock about 384 off my Social Security so I will only get about 500 at age 70. I have thought about just saying the hell with it and retiring to NALCREST but I like to party too much, and full retirement would drive me nuts.