stash as much cash as you can for the last couple of years. What because while we’re all planning on a retirement benefit of $130,000 per year depending on your spouses age that number will drop significantly. In my case with my wife being only a year and a half younger than me my bebifit dropped from 130K to $117k per year. I stashed cash for my last two years and am currently delaying taking my retirement for one year. My benefit will then jump back up to around 132k ( X Tiger). Got the same wife, same house, same airplane, same boat. Life’s not so bad after FedEx.