After doing a lot of research lately on different plans for retirement, I’m stumbling on finding solid information. Unfortunately I am looking to end my active duty career and spend the rest of the 20 years or so in the reserves. I enlisted for 4 years(which would put me at 9 years). Is it worth me staying an E-4 for another year and collecting the ISP and having to pay it back? Or should I just transition to reserve at my 9 year mark? Looking at this from a retirement standpoint. Any advice or tips is appreciated. Thank you!