Mobilizations, when did you tell your employer?

[Randy Daytona]

Actually, if you have a back-of-napkin calculator in google sheets or MS excel, I’d love to see it. I have tried to build one for myself but kind of tough to gauge the variables and I don’t want my math to be off.

Total number of retirement points / 360 (not 365) x 0.025 x base pay. If you get the life insurance that guarantees your wife 55% of your retirement, expect that to take 5%-10% of your retirement

 

[SELRES_AMDO]

Rough math for a retired O-5 with 5000 points is ~36K to 40K depending if they stay past the 20 year mark.

 

[Hair Warrior]

Rough math for a retired O-5 with 5000 points is ~36K to 40K depending if they stay past the 20 year mark.

How is 5,000 points attainable? Is that the norm with ~10 years active duty? I’m on pace for like 80-100 pts a year, including nonpays.

Also, does it calculate base pay off of high-3 years, or just the ending rank base pay?

Forgot to mention: I’m in the “classic mode” retirement system like you guys.

 

[nittany03]

How is 5,000 points attainable? Is that the norm with ~10 years active duty? I’m on pace for like 80-100 pts a year, including nonpays.

Also, does it calculate base pay off of high-3 years, or just the ending rank base pay?

Forgot to mention: I’m in the “classic mode” retirement system like you guys.

Yes. If I continue current pace, barring anything weird happening (?), I’ll be at approximately 5200-ish points at the 20-year mark, and that’s with ~10.5 years AC service, a MOB, and about 2.5-3 weeks AT/ADT per year, full drills with some ATPs sprinkled in for cat-herding between DWEs.

 

[SELRES_AMDO]

How is 5,000 points attainable? Is that the norm with ~10 years active duty? I’m on pace for like 80-100 pts a year, including nonpays.

Also, does it calculate base pay off of high-3 years, or just the ending rank base pay?

Forgot to mention: I’m in the “classic mode” retirement system like you guys.

A lot of prior service has 5 - 10 years active when they join the reserves. Then you figure an average of 100 - 130 points per year and it isn't impossible to get to 5000. DCO is a bit different since you're starting from 0 if you don't have prior service.

 

[nittany03]

Also your base pay is high 3.

3 years in rank required to retire in that grade voluntarily, 6 months required for involuntary if you were to come down with medical or something else odd happened.

 

[bubblehead]

I’m on pace for like 80-100 pts a year, including nonpays.

You can max out at 130 inactive points per year which is then added to your active points (Active Duty, ADT/AD, etc.).

Inactive points are comprised of drills (paid IDT's, and paid and non-pay ATP's), funeral honors, courses, and the 15 membership points.




If you are like me, you submit for 1 - 2 non-pay additional training periods per week, every week, like clock work.

 

[Hair Warrior]

Alrighty, so I did some Excel, and here's what the wizardry produced:

Assumptions (adjustable):

• 117 pts/year
• 2% military wage raises annually between now and retirement
• baselined with 2021 monthly basic pay chart
• formulas personalized to me somewhat, so YMMV

The only reason I have 16 and 18 years on there is if, for some reason, get medical DQ'd and have to retire before 20. Yes, I realize it's highly unlikely anyone would make O5 and retire at 18 years, or make O6 and retire at 22 years (including the 3 years needed to voluntarily retire), but the effort to copy the Excel formula one extra cell was nothing, so it’s there if needed.

Monthly Pension in Retirement	O4 LCDR	O5 CDR	O6 CAPT
16	$1,416.26
18	$1,674.85	$1,866.72
20	$1,936.18	$2,216.73
22		$2,613.13	$2,975.36
24		$2,965.94	$3,464.81
26		$3,342.82	$4,096.50
Annual Pension in Retirement	O4 LCDR	O5 CDR	O6 CAPT
16	$16,995.17
18	$20,098.21	$22,400.66
20	$23,234.16	$26,600.71
22		$31,357.59	$35,704.34
24		$35,591.26	$41,577.70
26		$40,113.82	$49,158.00

 

[Randy Daytona]

Alrighty, so I did some Excel, and here's what the wizardry produced:

Assumptions (adjustable):

• 117 pts/year
• 2% military wage raises annually between now and retirement
• baselined with 2021 monthly basic pay chart
• formulas personalized to me somewhat, so YMMV

The only reason I have 16 and 18 years on there is if, for some reason, get medical DQ'd and have to retire before 20. Yes, I realize it's highly unlikely anyone would make O5 and retire at 18 years, or make O6 and retire at 22 years (including the 3 years needed to voluntarily retire), but the effort to copy the Excel formula one extra cell was nothing, so it’s there if needed.

Monthly Pension in Retirement	O4 LCDR	O5 CDR	O6 CAPT
16	$1,416.26
18	$1,674.85	$1,866.72
20	$1,936.18	$2,216.73
22		$2,613.13	$2,975.36
24		$2,965.94	$3,464.81
26		$3,342.82	$4,096.50
Annual Pension in Retirement	O4 LCDR	O5 CDR	O6 CAPT
16	$16,995.17
18	$20,098.21	$22,400.66
20	$23,234.16	$26,600.71
22		$31,357.59	$35,704.34
24		$35,591.26	$41,577.70
26		$40,113.82	$49,158.00

If you put a column showing the amount of retirement points required for each of estimates, it might help those glancing at the spreadsheet.

 

[Hair Warrior]

If you put a column showing the amount of retirement points required for each of estimates, it might help those glancing at the spreadsheet.

Sure thing. It's 117 x number of years served. That is sorta what I have plugged for myself. That seems reasonable for DCOs with no active service. Like 90 points most years, then a couple Mobs of 270 days sprinkled throughout a career. My spreadsheet makes that 117 number a variable, so you can change it to anything and the formula recalculates.

Monthly Pension in Retirement	O4 LCDR	O5 CDR	O6 CAPT		Projected Pts at Retirement	Avg Pts / Year	Wage Adjust. Annually
16	$1,416.26				1,872	117	2.00%
18	$1,674.85	$1,866.72			2,106
20	$1,936.18	$2,216.73			2,340
22		$2,613.13	$2,975.36		2,574
24		$2,965.94	$3,464.81		2,808
26		$3,342.82	$4,096.50		3,042

 

[Deleted member 67144 scul]

When I used to work in the oil & gas industry our reservists were volunteering for MOBs during the rounds of layoffs. Forced leadership to layoff someone else as their paperwork always said they were being “involuntarily MOBed” therefore they were good. Might be a good playbook to play from to keep a roof over your head until you find that next best thing.

I love "sticking it to the man" stories like this. Can't blame anyone for doing that especially if leadership is planning to use RIFs as a way around USERRA.

Although I’m a government employee IN the DOD, my supervisors tried to sh!tcan me for going on AT by putting derogatory language in my evaluation.

That's really unprofessional, and some people should not be working in the DoD if they're going to try and pull things like that against military members. I'm glad it worked out better for you than it could have gone, but being put in that situation in the first place is unjustifiable.

 

[MIDNJAC]

If you are like me, you submit for 1 - 2 non-pay additional training periods per week, every week, like clock work.

Serious question.....I'm just ignorant......but why non-pay drills? I know it is an option on NSIPS, but I don't understand why it is.....

 

[Hair Warrior]

Serious question.....I'm just ignorant......but why non-pay drills? I know it is an option on NSIPS, but I don't understand why it is.....

Per the RESPERMAN, you can earn yourself a nonpay additional drill period with each 2-4 hour block of time you contribute to the Navy. ATPs/RMPs are much harder to come by, generally, and the scrutiny level on performance will typically be higher because they’re paid. Nonpays are more likely to get approved by your unit.

 

[FlyinSpy]

A lot of prior service has 5 - 10 years active when they join the reserves. Then you figure an average of 100 - 130 points per year and it isn't impossible to get to 5000. DCO is a bit different since you're starting from 0 if you don't have prior service.

As an Intel DCO who's going to require in a few months - I will have ~2280 points. I never had any active duty time other than mobs, so I think this total is not atypical. As an O-5 >22 yrs, this will equate (in today's dollars) to ~$1600/month. So not too shabby for a career Reservist, especially when you throw Tricare on top.

 

[Pags]

Honest question, how do you guys square the risk to your full time career with what amounts to a small payout at the end? It seems that a lot of folks on here have been doing well in their day jobs only to have them go sideways because of a MOB thus resulting in loss of future raises that could have been towards retirement and end up returning more than $1600/mo. I get some of the former ACDU guys who end up in the position of "just 5-8 more years" but it sure seems like a lot of professional risk for a tricare and beer money. It just seems that I know a lot of guys who get caught in between the reserves and a day job and end up trying to do both things well.