Read this:
http://www.safaq.hq.af.mil/contracti...erve-guide.pdf

I was responding about the Navy system that allows the IRR folks to do correspondence courses at home or on the road (own time online) and accrue points and retirement. With 12 years under your belt, I would find out from the above link what USAFR IRR billet you can do for 8 more years to get a very worthwhile retirement check. CAP (Civil Air Patrol) is mostly the one I'm familiar with and what I would do if I was USAFR. Still requires time away from your house, but very manageable and remember, makes a BIG payoff for minimum input. (Here is the motivation and run your own numbers,see which is a smarter investment of your time. Compare the two cases
1. Finish out 8 more years in IRR as CAP ALO for example. 2 days monthly, no pay but points.
2. Work two extra days open time, stash the cash strictly for a 'seperate' retirement account for the next 8 years,
You will find that it is not even close. Military retirement wins by a landslide!!
Your 12 years in is the investment dollars leverage that you don't want to lose!
Overall, DOD says "Members of the Reserves with no inactive duty training or active duty for training obligations may perform voluntary unpaid drills with units of the Selected Reserve, enroll in correspondence courses, or perform other unpaid inactive duty training for the purpose of accumulating retirement points."
The AF says this from the above link
"INDIVIDUAL READY RESERVE (IRR) AND STANDBY INFORMATION
3.1. Participating IRR and Standby Reserve. These programs offer career
opportunities that lead to retirement point credit and other military benefits. Reservists in non-pay programs provide important backup for the national defense in a variety of professional and nonprofessional fields. Unless otherwise indicated, the Reserve Sections listed below are non-pay programs.

3.2. Participating IRR. Non-pay training programs unless otherwise indicated.

3.2.1. Reserve Sections (RS) MT and MX.
-RS MT - Ready Reinforcement Personnel Section (RRPS) managed by HQ ARPC/DPRFP
-RS MX - Air Reserve Squadrons (ARS)
-9001 ARS, (USAFA) Air Force Academy/Reserve Officer Training Corps
(AFA)/(ROTC) Liaison Officer Program managed by HQ USAFA/RRPA -9002 ARS Chaplains (HC) managed by HQ AFRC/HC -9004 ARS Civil Air Patrol Program (CAPRAP) managed by HQ CAP-USAF/IMR -9021 ARS Medical (SG) managed by HQ ARPC/SG -9025 ARS JAG (JA) managed by HQ ARPC/JA
3.2.1.1. If you are assigned to one of the above Reserve Sections you can earn points by performing Inactive Duty Training (IDT), Air Force Institute For Advanced Distributed Learning (AFIADL) formerly known as ECI courses, or a combination of both. You may perform Military Personnel Appropriation (MPA) mandays with the approval of your unit of assignment Program Manager. You must earn at least 35 points per R/R year. You may be required to have a training attachment and earn a minimum of 16 non-paid points through
IDT/AT (see Atch B).

Best of luck!