Not my place to offer advice, but...
That check of the month club is not something to just write off with 4.5 left. Hurts now; pays off for a lifetime later (been there, done that).
Not ever a 14N, however, there are lots of either meaningful and/or personally rewarding niche jobs out there for 14Ns. Worked with 'em lots - Green door stuff, three-letter agencies, etc. that The Man has to fill but doesn't care about. Get in there or somewhere like that, do a good job, and your post-AF career will take care of itself. The clearance(s) and contacts are worth $$. Don't just toss 'em.
This isn't about The Man anymore; this is about you and your family and what is best for them.
If you have post-AF plans/dreams, by all means, disregard all.
If not, set yourself up now for doing well after hanging up the uniform. Big Blue doesn't care now and won't then.
Hang tough; it's not personal (however much it feels that way), just numbers on a excel somewhere.