How about just saving a little money before you get out that way you don't have to take MIL leave to supplement your first year pay and you can also avoid screwing over the other pilot’s at your airline? An O-4 pilot in the reserves working 5 days a month (10 drills) which is the minimum commitment in my squadron per month can take home 20-25K a year easily. That should be more than enough to supplement first year pay.