Back when I worked in local city government, I had an employee that bragged about being able to retire at 50, with 30 years of service, and he had it all planned out. When his time got short he chose to call in sick 3 days week to burn that accrual bank down and did the same with his vacation bank, so he was generally only “at work” one day a week. This went on for about 4 months and because of the union there was no way to stop it. His days finally ended and he went “laughing” out the door at the rest of us poor working stiffs.
Then reality sat in. Although he was entitled to 60% of his highest 2 year average salary, he failed to understand that for every year prior to 65 they deduct 2% so his retirement went from $27K/year to $18,900. Plus since he also had no medical and he was about 5’5” 300lb with Type 1 diabetes and heart problems it cost him $1,500 month for insurance. So his net pension was $900/ year!
After about 2 years the department was hiring new staff he came in to me and asked if he could come back. I ran him out of my office and told him never darken my door again. Last I heard he is driving long haul trucks…