Sentry,
For what it's worth, once my stop-loss waiver came through, I took the first available retirement date. I was hopefull to spend my terminal leave working for SWA. As it turns out, I'll be retired by two weeks before I start. Not bad since I really had no idea when I would get the call. But I left active duty ASAP for two reasons; 1)attend to personal family matters, and 2) insure I'm available for any possible call. The first reason carried most of the weight behind my decision. But after spending a month "taking care of business", I began wondering what I would do for an income after the terminal leave ended. It's a tough call, but my advise would be make yourself available as soon as you possibly can while trying to time that date with the earliest possible call up. If you think there will be three, four, or five classes called up before they get to you, then I'd take a shot at guessing when that fourth class would start and be available for it. One or two classes, be available now. If it's more than five classes, take the 31 Dec retirement date and start your terminal leave in Oct. At least that way, you'll have an income for several months and time to plan contingency options if the wait is much longer. Good luck. I share your concerns. But rest assured, the day will eventually arrive.