Your best course of action is take the State job. Work it for 20-25 years then go do HAA, tours or whatever you want. I've got a $85K retirement and make 120 flying HAA. (100 usually but lots of OT this year). Keep debt to a minimum or don't have it all. With smart money management you should be sitting on a couple mil by age 50-60. I'm retiring soon with a PNW of over 3 mil. Life is good.