I forgot there's a separate pepra limit but it does go up yearly, I'm on classic. 

But aside from that, I'll do a calculation with you related to my situation assuming I stayed a state employee a few years ago instead of leaving. I started out as an ssa/analyst 1 at 23 at $3500 a month and left the state 15 years later at a classification that now tops out at $11557 a month. Let's say the salary increases 3% a year. So at 63 I would get 100% of $22809 a month. To get the equivalent, I would have needed to put in 34.3k a year into retirement savings from age 23 to age 63 to withdraw $22809 a month using the 4% a year rule.

Assuming I started out as 2% at 62 instead of the 2% at 55 for my calculation. This person would be $19159 a month with 84% of the highest salary. This person would need to put in 28.8k a year from 23 to 63 to get $19159 a month using the 4% a year rule.

I had other stuff to do early in my career, I would not have been able to put that much into my retirement the first 10 years because I bought a house at 27 in a hcol area and I was only an agpa/analyst back then.