With a 4.9% cost of living adjustment (COLA) set for Federal Employees Retirement System (FERS) retirees, and a 2.7% pay raise on track for January, many working feds and retirees have got to be breathing a sigh of relief. This is a real take-it-to-the-bank silver lining during a time of worldwide pandemic when so much has changed. It will make trips to the store and gas station less painful. The problem, as always, for working folks and retirees is what's next? There are also lots of things to consider, including picking the best health plan for you and yours to get you through 2022. So I called in the cavalry in the form of Tammy Flanagan. She’s a well-known, popular federal benefits expert. And she is our a guest on our Your Turn. Tammy was a fed for many years and now does consulting with feds and retirees.