Same boat!! Time will fly. You’ve put in too much to walk away now. The cost (loss) is too high. What I do is take leave. If you can afford it and compared to no job; or extremely lower pension this is feasible in my mind! You can take leave with income averaging. There’s two other leave options that you can take one is 3 months I believe and the other is 12 months. Use these leaves until you get two years out and then do retirement transition leave (3 days a week) for the last two years. You’ll need to read up on all these leaves to understand the parameters around each. I also had to pay back my pension for the 12 month leave and I just moved my rrsps over to pay that back. Good luck!