In about 2-3 more years, I’ll call the state and talk to my union about all the fine details (did this once before two years ago) and do the math a little more specifically.
In nine years, I may feel a little differently. My oldest of three will be entering her freshman year of HS but my plan is to have the house paid off by the time she’s done 4th grade so we should be able to bank significant coin before she even enters college. By the end of 8th grade, we should have an idea of how well she could do academically in high school. I did quite well and my wife did exceptionally well (she got paid to go to RU—1,540 on SAT’s) so I have a hope she’s a high achiever. I’d also love to be able to go to every single sporting event in HS for her and the other kids without missing a second. But truthfully, that’s a long way off, she may end up hating sports, being only slightly above average academically, and I may have to work at least two more years (at age 55 there’s no penalty so it would be 100% of pension)... we shall see. Either way, my district can EAD and I really hope many of us retire the same exact year to jam it up their ***.