Porkchop, I 69% agree with you here. You are right on about less incentive to stay for a career but, I think the people that stick around that are worth a shit aren't really sticking around for the retirement pay. They are sticking around for career advancement or good opportunities (i.e. foreign exchanges, embassy tours, random cool assignments). After all, how many folks on the fast track do you meet that punch right at 20? Actually, even a lot of donezo Lt Cols I run into stick around a few years beyond 20. If it is for the meager extra couple percentages of retirement per yr, that seems ridiculous to me considering they could make much more in the civilian sector. At the end of the day, I think people stay or go for a variety of reasons and not just retirement pay. In 2010, I made over 6 figures in the mobility world being gone all the time. Not worth the money though. Similarly, the average length of an investment bankers' tenure at a wall street bank after their MBA is 1 year. Why when the pay is so great? It is because job satisfaction, perceived development opportunities, and relevance have been consistent top reasons for people sticking around at their job beyond pay. I am in the same boat. I will be eligible to and plan on punching at the 12.5 point, and it is not contingent on what kind of retirement system is in place. I have my own damn retirement system in place. I am not sure why so many folks live or die by what the government may or may not do. As you say, you have maximized your experiences and used the military programs to get educated. As I have mentioned in previous posts, too many officers (pilots especially) don't follow this model. Instead, they sit around watching government benefits or waiting for the next sortie/racking up hours to be ready when Pan-Am hires again. Of course, I am not saying the government should leave service members high and dry so please spare me the "I got shot at and do so much more than civilians" argument. But, I think we are starting to sound like a bunch of entitlement driven, union-backed civil servants. Read Ralph Waldo Emerson's self-reliance please. It fired me up and reminded me that the government doesn't owe me jack shit so my goal is to prepare myself so I don't have to crawl to them for benefits either.