I am all about having the choice, but how would that save money in the end? Are you saying that the percentage of people staying in for 20 years would diminish if there were an alternate plan (i.e., some type of TSP matching) in place? I'm not so sure. It just seems like the gov't would wind up spending more money than it is now in paying for the TSP matching for those honorably serving less than 20 years, plus the full pensions for those that make it to 20.
Right now I contribute zero to TSP. I do contribute 15% of my income to mutual funds though in the form of Roth IRAs. Why would I stop contributing income in proven funds with long track records like I'm doing now in favor of TSP, even if it is supposedly going to be matched?
I would love to stay in for 20. I just don't know if I can stomach it. Aside from the flying, the mission, and the people (well, some of them), the appealing thing about serving in the military is the stability (as far as the pay goes). That is what makes a lot of people scared to leave the service. Well, I'm not feeling so "stable" these days, and I'd just assume worry about my job/retirement at a place where I could just punch a clock and work according to a contract and move onto something else whenever I want versus what I'm doing now. With each passing day, the USAF is starting to feel more and more like a business and less and less like a flying military force.