Originally Posted by
Schwanker
I read this whole thread and can easily say: PUNCH NOW (or as soon as you have the job offer)
Been there, done that.
Now if you had 16 years in....tough choice, but I'd lean towards getting the 20 then punch ASAP.
+1. It's not even close. 2.5%/year more retirement or hundreds of thousands/millions over the span. After 20 you're basically working for free.
You're also gambling that the military pension will even be in place in 20-25 years (mathematically not possible as soon as 5-10 years according to that 2012 report). Punching at 16 now vice 20 in four years? Without a doubt, bail and get a reserve/guard job. The health care bennies are really where it's at.