Congrats (sir)! I'm not sure about the AF, but I know the Navy is trying their best to keep people from staying in for 20. I think it's a ploy to save money on retirement payouts. The last LT fitrep was 21 (+ about 5 O4 selects), and I can count on one hand how many are currently planning to stay in.

That retirement you have now is cash in the bank, though. Gives you lots of options in this industry.

I have to admit, I thought the post was going to have to do with Dave Ramsey when I clicked on it...

Congrats again.