I'm staying on active duty and retiring. Not because I need someone to fund my retirement - I don't. I've got plenty put away in mutual funds / Roth IRA. I can get a job in corporate america next week if I wanted... I encourage all military to put away additional money to supplement their retirement.
I joined / staying in the military because I like the work and leadership. It also pays well and my QOL is excellent. I only wish I could have gotten into UPT...I was too old by the time I commissioned to fly. I did apply for it w/ age waivers but was not accepted...I even applied to to be a WSO/EWO on F-15E / B-52s but didn't get picked-up for that program either...No problem - I'm glad I'm in the AF doing what I love- leading some of the finest men/women in our country...
There is nothing wrong with a military career (enlisted or officer)...Its a noble profession and my military brothers / sisters earn their pay everyday... They deserve the retirement / benefits owed them.
v/r,