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@resjudicata Prior E officers do not have to get out at 20. From the USGOV perspective, you are starting a whole new career. OP can almost certainly stay in and retire as a Lt Col/Col with 40 years TIS if OP is so inclined.

@jamieredheaduk I did include active duty pay, including BAH and BAS in my calculations (576k + 186) in the above example). What I deducted from my pay calculations was the amount I would already have received should I have separated at 20 years. If I retired at 20 years, I could receive 50% of...

@mellowyellow I did some retirement math for my wife sometime back, and it was an eye opening experience. I have provided the math below. Keep in mind that I was a prior E-7 and commissioned around my 15 year mark. This puts me in a nearly identical scenario as you. I conducted an estimate based...

@woedude Just remember that a prenup does not protect your retirement.