It's too bad she missed out, but one of you is a plus than none at all. Just think, if you retire at 35 years + 5 years... 40 years... in CALPers you will get 100% of final compensation! Sitting pretty!!!
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Yeah, I think we are going to be okay no matter what. It gives me more time to actively grow my Roth and 403B too.
👍😁🥰