airlifter39

Peace to you my brothers. Sent from my iPhone using Tapatalk

I suggest that you look at the decision from a different perspective i.e. one of minimizing regret. You're giving yourself a 70% chance of being offered continuation. Rejecting the CSB is clearly the better choice in this outcome -- you'll reasonably expect to live a long, healthy life and will be money ahead under High-3 50% (as opposed to REDUX). You run a less than likely (30%), but not insignificant, chance of non-continuation - in which case you would be given $100K separation pay. (I'd verify the number). The reserves and guard, to the best of my knowledge, would not be a reasonable expectation as they typically only take passed over O-3's. (I'd verify this as well). I assume you don't need the money today (i.e. can't put it to immediate use which would increase future cash flow). Additionally, it sounds like you might have to pay back a significant amount of the $30K if you seperate before 20 (for whatever reason -- again verify w/ MPC). As an 80yr old, which would you regret more? 1). Not getting the higher amount in retirement or 2) passing up the oppurtunity to get a little more than $100K leading up to seperation instead of a baseline of $100K (expected amount of seperaton without the CSB portion). While $100k won't come close to replacing the value of a 20 yr retirement, would $1XX (the 100k plus the pro-rated portion of CSB) really put you on your feet that much better? If you see the delta making a significant difference in your life (such as paying for law school or not), then take it. Otherwise reject and take your 70% chance of getting a 50% retirement at 20.