I'm a permanent GS15 in DC area. Not probationary, not in a traditional policy role (I defend a domestic agency if its gets sued), but I am a manager of attorneys which is both outside the bargaining unit and could be designated as a policy position under a new EO. Under normal circumstances, I'd stay in govt but I'm not fully vested in the FERS (just the TSP) and, frankly, not convinced it will continue to exist by the time I reach retirement eligibility under current guidelines. Both my parents are retired feds on pensions and I'm even concerned something could happen to their pensions, TSPs and SS. I don't love my agency so I had been interviewing and applying to better (higher paying, more private sector exit options) govt jobs before the hiring freeze. We're RTO 5 days a week starting 2/10 which is fine (as long as govt continues to pay my metrocard for the 1 hr each way commute).
We got the "deferred retirement" offer which I don't trust is a valid contract or will be honored/enforceable and I don't have another job lined up. I'm not especially competitive for private sector jobs at or above my current compensation and work/life balance but I've been applying selectively since October. Now, I'm less selective, even going so far as to consider jobs at a more junior level or that I have zero interest in and would require me to move, because part of me wonders, is it better to jump ship while there are still lifeboats than to wait and see if fed govt even continues in the iteration that makes it professionally appealing (job security, benefits, work/life balance)?
I'm not dumb enough to take an exploding offer without anything lined up, but the DC market for good jobs rn is saturated with folks just like me. Is it time to cut my losses with govt and move/apply for and accept jobs I have no desire to do? We're 40s DINKS, debt free, no mortgage, healthy, no dependents and I'm main breadwinner (spouse works but tariffs will hit his job hard and, right now, his takehome isn't enough to cover our expenses). We're nowhere near FIRE, but have about a little over $500k networth across our emergency fund and various retirement/investment funds. Any other folks in the same boat? What's your thinking?