We have 3 DBs.
Mine with the military/reserves (COLA) started last year and I use it to fund the Roth IRA for me and DW. The rest goes into a MMF to pay for this and that. It is probably enough to live off of if we needed to and really scrimped.*
My 2nd DB is not COLA and I will phase it in in a few years when DW decides that she is fed up with the local school system, until then it continues to grow if I don't touch it.
DW has a BD plan with the school system.
When all 3 DB plans are cranking along, along with our two SS checks, we will have an income stream that is well over 100% of our expenses.
What the heck are we going to do with the IRA, 401k, 403b, Roth and taxable money
Oh damn...more decisions.