Nords-
Sorry, this might derail the topic, but I think it's relevant to the OP's situation.
I've heard you say before that you wish you had not stayed 20 and I can't help
but wonder why. Do you really wish you had left at 10 yrs (I think you've said
that before) and gone into the reserves?
Wouldn't you say that your overall quality of life having been able to be retired for
the last several years is better because you stayed on for 20?
I'm not in the military, but I think if I hit 10 years (not necessarily 4 like the OP)
only serious marriage/family jeopardy would get me to leave before 20.
Again I'm not in the military, but in my own line of work, very few
folks with >5 yrs leave before 20 yrs on any kind of voluntary basis.
-LB