If it was direct government employment did they clarify final salary? There's the 'salary' and then the locality increase [1] which is a base of around 15% and

If it was direct government employment did they clarify final salary? There's the 'salary' and then the locality increase [1] which is a base of around 15% and goes up to 28% for places like DC. 102k (1.28*80) is still not worth it especially without prior federal service as you have pension vesting etc to wait for before your benefits are worthwhile. [1]: https://www.opm.gov/policy-data-oversight/pay-leave/salaries-wages/2019/general-schedule/ https://www.opm.gov/policy-data-oversight/pay-leave/salaries... Fixed math.