I have a gal pal that was 20+ years as an LEO, retired as a Sergeant.
She cashed out her retirement at separation. Yeah...I know not smart, my comment was farging dumb.....anyways, she has the funds to buy back the years plus military time and the extra five years, yada yada......
She claims that if she gets a PERS job even for one day she can fund the retirement, but extra years along with her military time.......so cal is best.
She's cute and sleeps with me......