I’m a retired fed and starting for those hired 1/1/84 and later we paid into ss so Im collecting ss, a modest pension (40% of high 3 year average base salary without bonuses or other incentives). But I was able to contribute max allowable by law into 401k. Plus catchup in the later years so I was putting in a ton. They match up to 10%. Not sure what the future is for govt pensions so anyone already in or retired count your lucky stars!