Does anyone know if the percentage deducted from a Reserve or Guard retirement is based on the before or after tax money you collect from the check recieved upon DOS?

I agree with the assesment that it doesn't look as great with the above option vs a clean split, but essentially you'll have a lump sum that you can invest for 28+ years (in my case) before you even see your Reserve retirement...just wondering cuz I was picked up too.