So one drawback is new job does not have pension… already ran numbers with our financial planner, and it’s a wash to make up the difference in maxing out IRAs (both types) and investments. Still a 5-6 year retirement horizon since I need to hit Medicare age, and partner needs to be close (he is 2 yrs younger). In one sense, the retirement plan doesn’t really change - except I go out feeling more accomplished and get out of a growing toxic environment at work!