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[–] 0 pt

20+ is retirement. Unless she has obligation left, she can retire at any time. If she has 3 years left on an enlistment, then yeah that sucks. Officers can leave whenever if they don't have obligation from something like a recent pcs.

Or a promotion and you want that extra pension.

[–] 1 pt

I've got 4 years left on my commissioning obligation. At 23 years of service already, I can relate. Best of luck to you guys, we'll need it.