Stay in for your 20...
then don't look back. You won't regret it. Make full Commander, and you've got a potential couple million dollar IRA that starts paying the month after you retire. I retired at 20 (LtCol), played golf for half a year, got a corporate job, thought I wanted to go major airline, got hired, upgraded to F100 Capt over the 10 years, got furloughed after 9/11, got back with my old corporate flight department, still there, so it goes. The extra money at 0-5 rate is gravy now, and really came in handy during the pinch periods. BTW, our corporate pay is roughly equivalent to a current 10 year United 737/A320 captain's. No per diem though, but we sure go to a hell of a lot neater places.
