Q. I have a total of 18 years of active duty and reserve time, and I will be retiring in two years once I complete my 20 years of service. I am currently a civil employee. Do I buy back my military time toward FERS civilian service or do I hold up and completely retire from the military and then buy back the civil service time?
A. The choice is yours. However, the longer you wait, the more it will cost you. That’s because interest is added to the original amount each year.