I Joined the Air National Guard

Some links below are from our sponsors. Here’s how we make money.

Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone. This article may contain links from our advertisers. For more information, please see our Advertising Policy.

I joined the Air National GuardI joined the IL Air National Guard
In August 2014, I joined the Air National Guard. If you aren’t familiar with how the military is structured, the National Guard is part of the military Reserve Corps. It is a reserve component of our military that is often used to fulfill needs at the state level or augment our active duty military. Some…

In August 2014, I joined the Air National Guard. If you aren’t familiar with how the military is structured, the National Guard is part of the military Reserve Corps. It is a reserve component of our military that is often used to fulfill needs at the state level or augment our active duty military. Some Guard members work in a full-time capacity, but for the most part, it is a part-time job often advertised as “one weekend a month, two weeks a year.”

While it can be considered a part-time job, the state or federal government has the right to call you up to active duty in the event of a state or national emergency. This can include being activated to respond to natural emergencies such as floods, tornadoes, and similar events, or it can mean being called up to serve on deployment in a war zone. In other words, it’s a part-time job, with a serious commitment. I served over six years in the active duty Air Force, so I’m fully aware of the commitment involved.

Why Join the Air National Guard Now?

I joined the Air National Guard
I joined the IL Air National Guard
I’ve been out of the military for over 8 years now. I loved my time in the service, but I was ready to move on when my enlistment ended. I was burned out from frequent deployments and travel and I wanted to start a family and settle down. After I separated from the military I worked for a federal contractor on Air Force related logistics projects. It was a great way to leverage my military expertise and still be around a mission I supported.

Eventually, I started my own business and went the full-time entrepreneurial route. This was (and still is) an amazing blessing, as I get to set my own hours and work schedule, and I work from home and get to see my children grow up in front of me. But it also comes with its own set of challenges. One of the biggest challenges I struggle with is not being around professional peers on a daily or even weekly basis. On a professional level, I also miss being part of something bigger than myself (I am active in church, but there is a professional element that is missing).

Joining the Air National Guard is something I’ve been thinking about for a long time (a few years now), and things finally came together (you can read the details of my journey here). I’ll start off by saying joining the military, even on a part-time basis, isn’t for everyone. But it has its share of benefits if you are and your family are able to handle the lifestyle and obligations. Again, the commitment isn’t one to take lightly, and it is one my wife and I discussed at length before I applied to join the ANG.

As with everything there are pros and cons. I’ll lay out a few aspects of the commitment, and some of the benefits. I’m happy to answer any questions you may have if you’re interested in joining the Guard or Reserves, or even active duty military.

Commitment – Time and Family

The biggest thing I considered was the commitment of joining the ANG. I signed a 3-year commitment, which was the minimum for my situation (prior active duty service, changing career fields). The three-year term includes a technical training school where I will learn my new job. This will last about 7 weeks, which isn’t too long in the grand scheme of things (many schools are several months; some are almost a year). But it is located in Biloxi, MS, which is a two-day drive. I won’t be able to take my family with me, so this is a big sacrifice as far as my wife and I are concerned.

Thankfully, the time commitment will taper off after the 7 weeks of separation from my family (though the risk of being called up is always there). The standard training commitment is “One Weekend a Month, Two Weeks a Year.” In other words, I will report to my unit one weekend a month for training. I will also have a 15 day period each year where I will report to the unit. This can sometimes be broken into chunks, though some units require or prefer the time to be done at one time.

The unit I joined is also a 3-hour drive from my home. That makes for a long drive each month, particularly in the winter months, but it’s not that bad. I work from home and don’t drive much, so I actually don’t mind getting behind the wheel for a few hours every once and awhile. The unit puts me up in a hotel and I get to deduct my mileage and travel expenses on my tax return, so it works out a little in my favor at the end of the year.

Again, the biggest sacrifice here is being away from my family.

Benefits – Pay & Retirement

There are some benefits that come with joining the Guard or Reserves. The first that comes to mind for most people is pay. I will receive pay for each month I serve. At my rank and time in service, I should receive an about $385 per month (2014 pay, adjusted annually for inflation), and around $1,450 for the 15 day training period. The total cash benefit should be just north of $6,000 per year. That isn’t a huge sum of money, but it also comes from working only one weekend a month, and two weeks a year. Military pay is based on rank and number of years served, so not everyone would receive this amount of pay – some would get more, and others less (I also have room for advancement in rank and responsibility, so this amount should gradually increase over the years). Here is a Guard pay calculator for more info.

I will also be working toward a pension, which is something I would otherwise not have access to. Active duty military members can earn a military pension after 20 years of active duty service, which they begin receiving right after they retire. It’s possible for some people to begin receiving a pension as early as age 38 if they joined at age 18 and retired immediately after reaching 20 years of service. Members of the Guard and Reserves also have to serve 20 years to qualify for a pension and other retirement benefits. However, those benefits don’t start until age 60, with a few exceptions.

Based on my active duty time already on the books, I will need to serve an additional 13 or 14 years to qualify for a pension, then wait a little more than a decade before I would be able to begin receiving those payments. It’s a long-term payoff, and one I haven’t committed to just yet. My plan is to do my 3-year commitment, then reassess based on how much I enjoy the service, and how it works with our family life. But I would be lying if I said I wasn’t intrigued by the possibility of receiving a pension when I’m 60.

Military retirement also comes with health care benefits, again, starting at age 60 for the Guard and Reserves. This could very easily be worth more than the monthly pension. I’m 34 now, and I have no idea what health care will cost when I am age 60, other than “expensive!”

Benefits – Low Cost Health Insurance

Health insurance is a huge topic right now, and rightly so. It has never been so expensive, or so confusing. As a self-employed individual, I pay a lot for my health care coverage. Not many part-time jobs offer health care benefits. However, joining the Air National Guard will give me access to TRICARE Reserve Select, which is a health insurance plan offered by the military. The cost for an individual is roughly $43 per month, and it is about $218 for a family (see rates). This is an incredibly good deal, especially compared to the current prices I was paying.

However, I will need to look into it a little more before signing up. You must use a primary care manager and get a referral for each specialist visit, and you have to use everything in your network, or the prices go up. There aren’t a large number of local providers in my area who accept this plan, so we need to research our options before making the switch.

Benefits – Education

Illinois is one of the few states in the US that offers free college tuition at state universities for members of their Army and Air National Guard units. I believe I have to serve one year before I am eligible for this benefit. I already have the GI Bill, which I would be able to use, but this benefit would allow me to use the free tuition and save the GI Bill, and possibly transfer those benefits to my children. Transferring the GI Bill to my daughters would be huge – as would getting a free master’s degree. I have considered getting an MBA or some other advanced degree, but haven’t committed to it in the past. Having the opportunity to do so at little out of pocket cost (books, fees, transportation, etc.), makes this a much more enticing proposition.

Intangible Benefits – Personal and Professional

As I mentioned at the beginning, I miss the professional aspect of working with a team. There are few team environments like the military, and I miss being part of a unit and working toward a larger goal. This excites me to wear the uniform again. The sense of camaraderie the military provides is also something you won’t often find outside of the military. I’ve missed that for a long time.

A secondary aspect is the requirement to stay in shape. I’ve been slacking on this the last couple of years, and recently I started working out again. I’ve lost a couple of pounds, gotten stronger, and can run a couple of miles now with no soreness or other ill effects. Joining the ANG means I will need to stay on top of this to continue meeting fitness requirements. I like the fact that I will now be held to a higher standard because it keeps me accountable.

This isn’t a Free Ride

I know I painted a pretty picture of the benefits, but that doesn’t mean this is a free ride. I interviewed with several people at the unit and one thing that impressed me was the seriousness and professionalism they all exhibited. There is a real mission at hand, and always the possibility of being recalled for either a state or federal mission. (The Guard technically works for the state, but can be called up to active duty by the federal government; the Reserves only work for the federal government, so they wouldn’t be called up for state issues). The state mission includes natural disaster planning and response, including things such as tornadoes, floods, earthquakes, etc. The federal mission is anything that affects the security interests of our country. Having already served in active duty Air Force, I’m well aware of the risks and commitment required to serve.

This Can Be a Great Opportunity, But it isn’t for Everyone

You don’t have to join. I’m not calling anyone out. I’m simply sharing my thoughts for why I decided to join. I’ve had several people ask me if they should join. The simple answer is: it depends. It depends on your age, where you are in your personal and professional life, how your spouse or significant other would handle it, whether or not you have children, whether you have prior service in the military, how long ago you served, and many, many other factors.

It could be very difficult to join if you have no prior military service and are well-established in your career, because you would need to take several months off to go to Basic Military Training, followed by tech school to learn your job. It could easily require a 4-12 month commitment just to get trained, depending on your job. However, if you are prior service, you may not be required to go through basic training or even tech school, and may be able to basically walk right into a unit and start doing your old military job again. The separation in your home life and professional life might be minimal.

On the other hand, there are younger folks who are looking for some direction, a steady paycheck, or a way to pay for school. Joining the military can be a great way to do that. That was the route I took, and I have no regrets. I traveled the world, got a free college education, met my wife, and more or less had the time of my life. If you are considering joining the military, don’t take the decision lightly. Read everything you can and talk to everyone you know who has served. Then make the best decision for your situation.



Get Instant Access
FREE Weekly Updates! Enter your information to join our mailing list.

About Ryan Guina

Ryan Guina is the founder and editor of Cash Money Life. He is a writer, small business owner, and entrepreneur. He served over 6 years on active duty in the USAF and is a current member of the IL Air National Guard.

Ryan started Cash Money Life in 2007 after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then. He also writes about military money topics and military and veterans benefits at The Military Wallet.

Ryan uses Personal Capital to track and manage his finances. Personal Capital is a free software program that allows him to track his net worth, balance his investment portfolio, track his income and expenses, and much more. You can open a free account here.

Reader Interactions

Comments

    Leave A Comment:

    Comments:

    About the comments on this site:

    These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

  1. Robert Weiss says

    Hello Ryan,

    Thank you for providing a great summary of your story and for all of the responses to the comments/questions people have posted on this site. I am considering the ANG as a way to fulfill similar needs for having a professional and purposeful work environment. I am 34 years old and transitioning from a teaching career and I am intrigued by joining as an officer and undergoing officer training school. You mentioned you have a college degree and I was wondering if you joined the Air National Guard as an officer? Maybe you were already an officer after your initial service?

    The website for the ANG states that,

    “In order to become an officer in the Air National Guard, you must hold a bachelor’s degree and pass the Air Force Officer Qualifying Test (AFOQT). If selected, you are required to complete the Academy of Military Science (AMS) Officer training program prior to your 35th birthday.”

    It does not appear as though I would be able to meet this age deadline. Do you know how long it takes to go through this process? My 35th birthday is at the end of August.

    Thanks and God bless you!

    Robert

    • Ryan Guina says

      Hello Robert, I was enlisted when I joined the Air National Guard. I commissioned later on in my ANG career. It can be possible to apply for an receive age waivers to become an oficer, but you would need to speak with a recruiter regarding eligibility. How quickly cn you join the Air National Guard? It can take several months to go through the application process, go through the medical pre-screening and screening process, then get assigned training dates. The best place to start is by contacting a recruiter. They will be able to go through the entire process with you and help you determine your eligibility and options. I wish you the best!

  2. Jems g says

    Great resource you have here.

    Just curious about the potential financial hardship and if you experienced any while gone for AIT?

    • Ryan Guina says

      Hello Jems, I did not experience any financial hardship while I was attending AIT (tech school in the Air Force). However, my business is an online business (this site and others), which generates revenue whether or not I am actively working on it. So I had cash flow coming in while I attended tech school, and again when I commissioned in the Air Force and when I attended tech school after Officer Training School. So my situation was unique in that respect.

      My recommendation for others would be to create a budget before joining the military. Understand what your monthly income needs and obligations are, and how much you will earn while in the service. This will help you plan a budget to cover your time during training. If your military income will not cover all of your expenses, then it would be a good idea to have some savings to cover the shortfall, as well as any potential unknown expenses that may arise. For example, if your AIT is scheduled for 6 months, and you have a $1,000 a month shortfall in your budget, then you would want to have at least $6,000 set aside, plus some additional savings to cover any unexpected expenses or emergencies that might pop up.

      Best wishes on this decision and good luck if you join the military!

  3. Kahdija says

    Greetings Ryan.

    I’m currently single with no children, so I’m only in charge of my own life right now. But I do wish to create a space where marriage and children will come. I’d like to be able to enjoy as many moments as possible when that season comes. Thank you for writing this. It gave me a very clear perspective and I feel better equipped to make the best decision for the life I’d like to live.

    Many Blessings,

    Kahdija

  4. Michael says

    Hello Ryan, and thank you for your service!

    I’ve been giving some serious thought to joining the ANG, but I’m hesistant because I’m just not too sure of the long-term commitments, or if I could be guaranteed the job I’m looking for. After reading your article and all the above comments, I’m sure you’ll recommend that I speak to a recruiter (which I plan to do soon), but I’m still interested in whatever advice you might be able to give about my situation (sorry in advance, this will probably be a pretty long read).

    I’ve wanted to be a pilot since I was about 9, but didn’t really have any family support in that interest so it never became anything (I’ve always been pushed into engineering). I almost joined ROTC in college to pursue becoming a pilot, but didn’t feel ready to make the commitment at that time so I backed out at the last minute. I’m glad I did because I think I would’ve always wondered “what if I had stuck with engineering?”. So I graduated with a B.S. in Materials Science and Engineering, and got an engineering job in New York with the Air Force. I was hired through a program that paid off some of my student loans and paid for me to get my M.S. in Electrical Engineering, provided I signed a 3-year Continued Service Agreement.

    I’m currently 25 and 1 year into that service agreement, but still feeling very uninterested in my work and unfulfilled. I’ve wanted to find something new for some time now (I’m already a DR-2 and I just feel like something should have clicked by now if I’m to do this until retirement). I have a great job (on paper), but something is missing. After some research I just couldn’t find any other career path that seems better for me besides pilot, and something about the military has always attracted my attention, I was just too afraid of the long-term commitment before (it felt like I was signing my life away). But now I feel like any job will be signing my life away if I don’t enjoy it, or at least get some fulfillment from it. So now I’m back to considering military service. I’ve changed a lot since I decided not to join ROTC and the commitment isn’t nearly as intimidating anymore.

    So to the point, my hesitation comes mostly from not being sure if I would actually be able to become a pilot when I join ANG. Being a pilot for air mobility missions is the ANG position I’ve become most interested in (ideally at Shepherd Field ANG Base in West Virginia because it’s relatively close to my hometown), but I fear that having my heart set on something so specific might not be realistic. I know that pilot positions are comptetive and have strict medical requirements. I’ve been trying to get my private pilot’s license on my own, so I’ve already got my 3rd class medical certificate and attempted to start training, but COVID-19 brought that to a halt before I could ever get into a cockpit. I’m not even that sure what my question for you is at this point, but I’d still like to hear any advice you could give me to help with my hesitation? Even if it’s something I might not want to hear.

    • Ryan Guina says

      Michael, If you’re interested in becoming a pilot, then go for it! I’d start by contacting a recruiter at a flying unit and asking if they have openings and what the requirements are (you may need to contact recruiters at several bases if there are no openings at your base of choice). Speaking with a recruiter will at least give you more information and help you start the process (it’s lengthy). I’d also see if you can schedule an interview with one or more of the pilots on base so you can see if this is something you really want to do.

      If you are selected to become a pilot, then that is your job. You won’t join the Air National Guard as a general enlistee or officer and end up with a pilot job. You must specifically apply to become a pilot. And it is generally very competitive – there are usually only a few openings and many applicants. So it helps to have your resume and application package buttoned up before you apply. Your recruiter should be able to help you understand what is required (transcripts, physical, etc.).

      Anyway, your recruiter is the best point of contact going forward. You can also seek out forums or other websites where people discuss what it takes to become an Air Force pilot.

      Best wishes!

Load More Comments

Disclaimer: The content on this site is for informational and entertainment purposes only and is not professional financial advice. References to third party products, rates, and offers may change without notice. Please visit the referenced site for current information. We may receive compensation through affiliate or advertising relationships from products mentioned on this site. However, we do not accept compensation for positive reviews; all reviews on this site represent the opinions of the author. Privacy Policy

Editorial Disclosure: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.