Run the numbers in excel or any other calculator. It is worth it.

After you are eligible to retire, you are working for a fraction of your pay. In the case of the standard 20 year retirement it is 50 percent. Of course there is that 2.5 percent boost per year, but why languish on active duty when you could get a seniority number and collect your mil retirement? With 2014 looking like it is, I would punch immediately if I could. I have to wait until Jan 2015.

Worst case scenario, collect a retirement check and work at Home Depot waiting for a call. If you need to stay current, get your CFI and moonlight.