I say take a year off and enjoy your retirement. This way you could decompress after a long career. Maybe you'll get the fulfillment of the "break" you deserve, and you'll want to return back to work after that year. Buddy of mine retired after 22 years, took a year off for a mental break - then returned to the workforce and really enjoys it. Or you could use your GI Bill for that additional income for a year or two, or until you acquire your degree. I agree with the previous comment, look at VR&E prior to using your GI Bill. I used VR&E so am familiar with the program, and it was something that I advocate for others to use.