I would have loved to explain that the way you just did. Great job. Again, if you currently have multiple voluntary deductions like, FOP, Shield of Faith, Deferred comp, etc, that becomes cash dollars in your pocket. I just retired and at 26 years, my take home money on my pension was almost equal to my previous metro pay even after healthcare, federal tax and my choice to with hold $50 extra per month for annual taxes. It is never to early to plan your future.