https://highthree.org/writing/ Deep dives on FERS retirement math, state-by-state analysis, scenario walkthroughs, and methodology essays. Numbers, not hunches. en-us Wed, 14 May 2026 00:00:00 GMT https://highthree.org/assets/H3_favicon.png https://highthree.org/writing/ https://highthree.org/writing/gs-14-worth.html A GS-14 at year 12 gets a $185K private offer. Is it a raise? We run the full FERS break-even — pension, FEHB, TSP, taxes — and find the real number. Wed, 14 May 2026 00:00:00 GMT https://highthree.org/writing/gs-14-worth.html FERS Break-Even GS-14