Usually I think Karl is way too negative, but I think I agree with him on this point. I think you were a sucker to take the bonus. I know you, and you are intelligent, competent, and in an organization that will waste your talents. You have colleagues at Standford Business School, with full time gigs in the guard and reserves, and starting what will someday be extremely cush jobs in the airlines. Because you are not a patch wearer, you will spend the next 10 years wallowing while doing things like:
-wing jobs (Yes sir, I'd love to be the chief of IGI!)
-getting passed over for O-6 because of your lack of staff experience (thanks 11F)
-a 365s as the OSS/CC to Djubouti (the Died... etc)
You will be 43 years old at 20 years in looking at the exact same decision about whether or not to fly for Delta with a pension check that will barely feed and house your family (assuming you don't get fired at 18 based on trumped up bullshit your WG/CC decides is unacceptable). You will fly less, see your family less, and be more vulnerable to deploy to shitty assignments. You had the potential to do anything you wanted, but chose not to for an extra $18k a year after taxes. The bonus, as I see it, is an awesome deal only for those who have no potential to succeed outside the military.