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<<<Purchase extra service credit, or invest extra in my 403b?>>>

Personally I'd invest extra in the 403b, you can control that. If you're going to work for the system over the next 30 years, many, if not all rules, will change during that time. Espeically how your pension will be calculated and paid out. My mother recently retired from Louisiana teachers system. About half way through her career the rules totally changed. Estimating her pension before retiring was diffucult and the 5 years of unused sick days was even harder to calculate because different rules applied to each half of her career.

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