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imagine if you went into retirement one maybe two years later then all of a sudden your first pension got reduced and maybe cut into half what type of impact would that have on your lifestyle more importantly is there a way that you could avoid that [Applause] so today we have a question from doug and if you will theres a direct question that im going to answer but theres also an underlying question which sometimes gets missed by a lot of federal employees that i want to make sure we talk about and this one says im retiring on 12 31 at the age of 56 im going to assume thats dougs mra will my first supplement calculation include my current years earnings after they get reported to social security i know the supplement is based on an estimated social security at 62 and it would make a difference given the inclusion of 2019 earnings but this will take time to show up in social security since theres an update earnings after report to the agency which can take 30 to 60 days thanks