The time to have this epiphany was 2014. Given the amount of people younger than you hired since 2014, the hiring wave as a motivator is specious in present circumstances. I would personally complete the LEO pension, then go play airline pilot as a second payer career. Now, if your PD pension plan is non-competitive (at least 50%-75% immediate), or you're simply that miserable in your vocation that it's destroying your home life, then I guess it's a push. Good luck to ya.