Originally Posted by busdriver12

I don't know how much this benefits the over 25 year crowd. I made the assumption that it could only help them, but then I ran some numbers and I don't know that it benefits them that much.

If you don't have your high five, even with 25 years, it might not be a benefit, it could be a loss. And if you're at 25 years, you probably don't have much time left to work.....and since this appears very income limited, it gets you nothing from the VB until you make a certain number (the number I came up with was 206K), and gets you no extra for anything you make over 254K. I ran those numbers for three years left to work, though certainly other people's situation would be different.

It looks to me like it is going to add very little to your retirement, unless you have plenty of years left to go. The big winners on this appear to be the younger people, with decades left to accrue benefits. That is, if they live that long and stay employed.