No. of Recommendations: 4
Is there any pressing need to make this decision now?

My assumption is that once you choose to buy some years in the retirement plan, you can't change your mind and get your money back. Can you buy the years of credit later? Ideally, you could buy them just before retirement and choose whether to increase her retirement benefit then or just use the money during her retirement.

If you have to choose now, you also have to factor many uncertainties into your decision. Not just the uncertainties of investment returns, but also the uncertainties around life. Will she continue to work there until retirement? Will you get a new job in a different city and want to move, ending her employment before retirement? Will there be a disability or injury or illness that prevents her from working?

This strikes me as the kind of decision that is best delayed as long as possible.

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