Actually work for the state, have 5.5 yrs left before I hit minimum retirement age for time at job. I could get same type job in other states, but pay would be less then half of what I make now, and foolish to throw all them years away for no pension. Besides wife works too, has her own business of 22 years, hard to relocate and restart from ground up. Not to mention kids would have to relocate to New schools, and we know how hard it is these days for kids to make new ” good” friends. It's not that simple.