To be in Tier 3, at the very end of eligibility in '06, you'd be more than halfway through your career right now for 20, but even then, most go to 25 unless they're prior military retirees so they can get medical coverage which kicks in at 25. If they're ex-military, they're probably in their late 50s retiring at best (18-38yoa military, 38-58yoa cop/fire), or if they're not, typically they're going to be in their mid-40s (21-46yoa) assuming they follow the absolute most expedient track, which almost none do. I wanted to be a cop from the age of 15 and learned, trained and focused on it and I wasn't hired until I was 24, meaning I'd retire at 44-49yoa.

Given median life expectancy in the state of 76.34 years, and factoring these careers shorten lifespans not lengthen, lets assume they retire for 20 years at $45,000/year retirement. Thats $900k not millions. Most won't retire exactly 25 because medical might not kick in right away depending on tier as well.