I'm at 14.5 years AD, never planned that. Wanted my 10 and out but when the time came, shortly after 9/11, things didn't look so hot in the job market. So I took the 5 year bonus. It had nothing to do with patriotism, I did my time. It was purely financial. My current job, is good. If I stay, I'll have 3yrs 5 mos until 20 for the AD retirement but I'm still thinking about punching next year for the QOL issues. The suck tour is coming up, I did two deployments in my 2 year DH tour.......granted, not an IA...not yet but I'd rather live the good life, less money for a start and collect my money at 60. My seniority may mean no reserves though so AD might be my only opition if I want any sort of retirement out of the military. I'm going to get something for all these years, just wish it were a reserve retirement now.