The White House sent Congress its 2027 pay plan, and for most civilian federal employees it proposes no raise. Three people asked Charles the same question that week: "if I'm not getting a raise anyway, why am I still working?" It's a fair question — but there's a better one, and five numbers that answer it. This is retirement planning driven by your situation, not by a headline.

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IN THIS VIDEO YOU CAN LEARN
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- The better question: do you actually NEED to keep working, or do you just not KNOW yet?
- What the proposed 2027 pay freeze does and doesn't change (and why December matters)
- What another year of federal service actually buys you — and what it costs
- The 5 numbers that turn "can I retire" from a feeling into a decision
- Why your spending, your net pension, and your social security retirement timing matter more than your TSP balance

Which of the five is the one you're missing? Reply 1 spending, 2 pension, 3 Social Security, 4 TSP income, or 5 taxes 👇

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START HERE
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Apply for a Retirement Consultation:
https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/

Get the Digital Federal Retirement Guidebook:
https://cdfinancial.org/being-a-federal-employee-book/

Subscribe for Weekly Federal Retirement Planning Content:
https://cdfinancial.com/newsletter

Want to run these five numbers for your own situation? The Guidebook walks through every one — link above.

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TIMESTAMPS
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0:00 No 2027 Raise — So Why Am I Still Working?
0:37 The Better Question
1:14 What Actually Happened
1:52 RTO, DOGE, DRP — The Context
2:37 Frustration Shouldn't Pick Your Date
3:22 Is Another Year the Answer?
4:22 The 5 Numbers
5:37 Which One Is Yours?
6:52 Don't Let Washington Pick Your Date
7:30 Get the Guidebook

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WHO WE ARE
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CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, and retirement income planning — where health meets wealth.

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IMPORTANT DISCLAIMER
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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Educational only; not financial, legal, tax, or investment advice. The 2027 pay plan described here is a PROPOSAL — final pay schedules are generally set by executive order in December and Congress may act before then. A pay raise is not the same as a retiree COLA. Verify current figures with OPM, SSA, and a qualified tax professional before acting.

#FERS #FederalRetirement #TSP #PayFreeze #RetirementPlanning #CDFinancial

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