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It currently costs 27k to purchase 1 year.
By purchasing years, she increases her pension benefit payout percent as follows
no purchase, pension = 27.5% of HAS
purchase 3 yrs, pension = 37.8% of HAS
purchase 6 yrs, pension = 50% of HAS

Just doing some quick calculations: purchasing 6 years, it would cost $162k and take 6.26 years to get that money back via increased pension payout. 3 years, $81k and 6.83 years. This is very rudimentary and doesn't take into account investing that money on your own, survivor benefits, etc.

To really help decide how good an option this is, how much would it cost if you waited a year or two? I know you said current buy back is based on lower pay scale, what would it be at her newer pay scale?

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