Something else to consider... you're 27 and probably don't have but maybe 10-15 years before "retirement." I wish I'd never gotten out of the AF after being in for 7 years. I'd have 4 years left till "retirement," then I could go find a different job and not worry about having enough money because I'd have the retirement pay. It would have been worth it to stay in, without a doubt. Now, if you're under the new plan, where you don't get the retirement pay until you're in your 60's, you won't see the immediate benefit after putting in the extra years, but it will still be worth it in the end. I had people tell me all this when I was your age. Wish I'd listened to them.
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