28 years in the fire service...I am eligible to retire next month at 48. Retiring at this age sounds great until you tally up the physical injuries accumulated throughout a career. Two fractured cervical vertebrae, 3 ruptured lumbar discs, and one heart attack from chemical exposure...quality of life sure takes a hit.

The pension system is no longer offering health insurance beginning in 2019, need to work through a third party for coverage. With a wife and two kids in college, it makes pulling the trigger a hard decision.