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Message: <blockquote data-quote="falcon back" data-source="post: 4583248" data-attributes="member: 81520"><p>Maybe when texman finishes  his morning dumpster dive for breakfast he can get the 5th grader sleeping in the next car over to explain to him how to read your chart.   He will still say I am lying and that your chart is wrong.  If my calculator is correct,  your increase looks like 11.5%.   You cant beat that for guaranteed return.  I had to call retirement again yesterday for some questions and I asked the lady why this information isn't given to the employees and didn't get a good answer.   The yearly increase continues until you decide to take it providing you have the means to support yourself until then.  Like I posted earlier,  there is a break even age you must live to. The later you take the pension,  the longer you must live for delaying to pay off.</p></blockquote><p></p>