In this high-energy episode of Rayna Retirement, Rayna Reyes breaks down the most common question she hears from federal employees: “Can I retire yet?”

Using her signature humor and straight-to-the-point style, Rayna explains the five main pathways out of federal service—Immediate Retirement, MRA+10, Deferred Retirement, Postponed Retirement, and Disability Retirement—and helps listeners understand exactly which category they fall into.

She details the eligibility rules for both FERS and CSRS, including required years of service, minimum retirement age (MRA), the 5-year FEHB rule, years required for pension calculations, and how reductions apply if you leave too early.

Rayna also covers key pitfalls to avoid—like losing FEHB and FEGLI through a deferred retirement—and shares real-world examples of when MRA+10 makes sense and when it absolutely doesn’t.

If you’re wondering whether you can “get out of this place” or if you need to stick around a little longer, this episode is your roadmap.

Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.