As others have pointed out, it's way, way too late to be thinking about this stuff now. You should've been networking and having a plan in your hip pocket 3+ years ago.

I'd suggest you take the retirement now and run, but understand that nobody is going to hand you something on a platter. Especially considering that the sacred cow retirement will soon be going the way of the dodo.

If a regional FO job is below you, hopefully you can get a corporate gig or (gasp!) a non-flying job. There are plenty of well-paying organizations out there that kill for the skillsets and talents that motivated officers bring to the table. Again... that would require networking and stepping outside of the military comfort zone. Something that it doesn't look like you've done or are ready to do. Good luck.