Since you have your twenty year letter consider this: If you retire at age 58 from active duty, you'll only get two years of retirement pay that you wouldn't have gotten with a RC retirement (unless you have certain qualifying deployments, and then that could be less than two years). Now, of course the check will be bigger if you do another ten years of active duty. On the other hand, you're pretty much guaranteed they'll keep you on active duty (unless you do something really stupid); whereas, you have no such guarantees in the airline business (furloughs, bankruptcies, mergers, economic upheaval, etc.). You're welcome. If you need the waters muddier, just let me know.