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When retiring from federal service, unused annual and sick leave can be significant benefits for generating additional income post-retirement. In this episode, Jerrell Harvey from Fedway Financial discusses how these benefits work. Annual leave allows employees to take necessary time off for rest and vacations, while sick leave offers income protection during illness or family emergencies. The tutorial also explores the implications of accumulated leave if not used before retirement, beginning with the specifics of annual leave's handling for federal employees.