When I got my buy out I had almost 28 yrs in, and had reached the magic number.I didn't need to go. One of the guys I worked with wanted to hit the 65 yr mark, and get max everything. He did, his hrly pay was close to 30 bucks an hour, on call,one week end a month, worked most holidays.Was retired about 6 months, moved to florida, paid cash for their home,and now sits in a wheel chair, barely able to speak.You know what they saY ABOUT LONG RANGE PLANS" MAN PROPOSES, GOD DISPOSES"