u/Patient-Molasses9833

I’m an early to mid-career civil engineer thinking about going private.

1. Is it better to use up as much PTO as I reasonably can before I leave or leave it alone?
2. Is it better to cash out my 4.4% FERS contributions to invest in Roth IRA/401k? It seems like the value of the pension is low until late in one’s career since the calculation isn’t inflation adjusted until age 62.
3. Any other tips for someone with about 10 years of service?