Both pros and cons covered pretty well. I'll throw my hat in on the "Finish the AD retirement" side. That retirement check made all the difference in the world during the 2 furloughs. It allowed a great deal of flexibility when making life altering decisions. It also provided additional stability during times of uncertainty. It's COLA protected (huge!) and you start getting it on day1. Sure is comforting to know the mortgage and some other expenses are covered just by waking up and breathing every morning. If you don't need it, then it makes a great investment tool. Tricare has been an amazing benefit as well. Good luck with your decision.