Originally Posted by
Schwanker
I read this whole thread and can easily say: PUNCH NOW (or as soon as you have the job offer)
Been there, done that.
Now if you had 16 years in....tough choice, but I'd lean towards getting the 20 then punch ASAP.
+1. It's not even close. 2.5%/year more retirement or hundreds of thousands/millions over the span. After 20 you're basically working for free.