Q. I have completed four years in the Navy and am now on my third year with the Veterans Affairs Department. I have a total of seven years, and I am only 26. Can I retire after 20 years of service, or do I really have to wait until I am 60 or older?
A. No, you can’t retire with 20 years of service. And no, you don’t have to wait until age 60. You could retire under the MRA+30 provision (minimum retirement age with at least 30 years of service). Since you were born after 1969, your MRA would be 57.