Separating at 10 years, and working a normal career at a legacy until 65 is worth approx 5.1 million dollars, and you'll spend around 3,580 days at work. Same parameters with retiring at 20 years, normal military progression, including a $35k bonus per year, normal military retirement, AND starting at the airlines in retirement nets you $4.9 million at age 65. Oh, and you'll spend 4,328 days at work. All told, you're giving up $200,000 to spend almost 800 additional days away from your family,not including deployments.
*Calculations based on legacy pay rates for a 737 FO that becomes a capt at 5 years, with Airline Pilot Central #'s.