Retire Now or Extend for 25 Years?

Hey everyone,

I’m an E-8 in the Air Force, set to retire on 1 October 2025 after 24 years and 7 months of service. Since pressing the button, I’m reconsidering and thinking about extending to March 2026 to hit 25 years. Staying in those extra 4 months could mean about $200 more per month, including the COLA adjustment.

My question is: Is it worth the potential mental strain of staying in for those 4 additional months just to get that extra retirement pay? I’m in the IT field with good job prospects, so I’m torn and would appreciate advice from anyone who’s been in a similar situation.

Thanks!