re: Law Enforcement/Fire Dept question

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Full pension at 20 years though

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It's pretty weak at 20, especially if you're still pretty young. Most cops and firefighters do 30+.

As for the training, reputable police departments send recruits to the academy and pay them while they're there. Most reputable FDs will require EMT/Paramedic certification to even be hired. There's no penalty for quitting.