How to Stay Connected During the Gray Area You may also want to read the:Reserve Non-Regular Retirement Information Guide. Active duty service members can file when their military career ends and they have accumulated 20 years of service. Congress and DoD just took advantage of a common civilian practice that doesnt happen to be common to the military. Comment * document.getElementById("comment").setAttribute( "id", "ad5cfec506ccd4390c474833e6afc73f" );document.getElementById("e335739449").setAttribute( "id", "comment" ); document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); These responses are not provided or commissioned by the bank advertiser. In all cases, the Retired Pay Formula is determined by multiplying your retired pay base by a service percentage: Retired Pay Base x Service Percent Multiplier = Gross Retired Pay. Please call theVeterans CrisisLineat1-800-273-8255. An official website of the State of North Carolina, National Guard Active Guard Reserve (AGR) Positions, Defense Visual Information Distribution System. Comment * document.getElementById("comment").setAttribute( "id", "a1ba802ab5f9161b3caedff1080e5597" );document.getElementById("e335739449").setAttribute( "id", "comment" ); document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); These responses are not provided or commissioned by the bank advertiser. You have to have 36 months of pay charts (the years you turn ages 60, age 59, age 58, and age 57). The current legislation (passed in early 2008 and updated in 2015)reduces the age 60 retirement requirement by three months for every 90 consecutive days of mobilization during a fiscal year for war or national emergency. Of course, you can certainly be mobilized during a leap year and receive 366 points of active duty. If you serve the full 20 years, your active duty retirement pay would be worth exactly half of your basic salary. Lt. Gen. Jody Daniels, Chief of Army Reserve and Commander U.S. Army Reserve Command poses for a photo with Maj. Gen. James Smith, Commander of the 21st Theater Sustainment Command and his Deputy Commanding General and Commander of the 7th Mission Support Command, Brig. For Air Force Reserve and ANG Airmen, the retirement packet will be completed by the individual (retirement is not an automatic process). Eligibility requires that the Veteran was serving on active duty, or his/her death was due to an injury or disease that developed during, or was aggravated during, active duty, active duty for training, or inactive duty training. of Veterans Affairs, please visit their website at va.gov. Once complete, the packet will be forwarded to DFAS for pay processing. Its also important to understand how the pay and benefits work, especially if youre focused on the retirement benefits. As an ART, you would have dual status. I am a guardsman on track to be eligible for a 20 year active duty retirement not all points are created equal, but well just say 7200 points. It is not the bank advertisers responsibility to ensure all posts and/or questions are answered. Many military members stick around for 20 years just to earn retirement benefits. Simply plug in your current pay to these formulas to reach your anticipated Reserve retirement pay. No earlier than 12 months and no later than 6 months in advance of pay effective date, you must apply by logging into the Air Force Virtual Personnel Center (myPers),and clicking on Access the vPC Dashboard. For both Reserve and regular Air Force members, it is an opportunity to continue their career and combine years of active service with an AGR tour to be one step closer to earning active duty retirement, said Capt. Read this article on National Guard and Reserve retirement benefits for a full overview of how retiring from the Guard and Reserves works, how it impacts your pay, which benefits you are eligible for, Gray area benefits, and more. Now that you have the final 36 months of pay, you add all those numbers up and divide to get the final average monthly high-three pay: ($4815.90 * 6 + $4740.00 * 12 + $4674.60 * 12 + $4521.00 * 6) / 36 = $4694.35. Meetings (Seminars, Symposia, Professional Development). Points accumulate from both active duty and the Reserve/Guard system. Active duty service members can file when their military career ends and they have accumulated 20 years of service. The Reserves and National Guard offer similar challenges & fulfillment of active duty, yet with less of the sucky parts of active duty. VA also pays Disability Compensation for disabilities from injury, heart attack, or stroke that occurred during inactive duty training. A good year ensures that you show up each year for a certain minimum amount of work. In addition, DFAS will process retroactive to the effective date of retired pay. 12311), Disciplinary/courts martial (Title 10, U.S.C., Sect. Editorial Disclosure: Editorial content on The Military Wallet may include opinions. I took the first Pearl Harbor vacancy that came up at my rotation date: shore duty on an admirals staff. Each of the following insurance programs has different eligibility requirements; however, coverage enrollment is automatic for SGLI, FSGLI, and TSGLI. Personnel Force InnovationFreedom of Information ActDFAS HotlineContact Us Accessibility / Section 508EEO / No Fear Act, An official website of the United States government, Providing payment services for the U.S. Department of Defense. To access the menus on this page please perform the following steps. If you have any questions regarding your CRDP payment . Stay on Active Duty for as Long as its Challenging and Fulfilling. -Or a good friend who retired as a fighter pilot and interviewed with a well known global consulting firm great pay, travel all over the world, but their idea of being a family friendly employer was being able to return from business trips on a Friday and fly out on Sunday nights. Over 99.99% of Reserve/Guard retirees choose this option. 10 Veterans Benefits You May Not Know About, Medal of Honor: Benefits, History and Facts, Veterans Employment and Training Service (VETS), Security Clearance Jobs After the Military, Unemployment Compensation for Ex-servicemembers (UCX), Military Spouse Career Advancement (MyCAA) Scholarship Program, Monthly Housing Allowance (MHA) for the GI Bill, ART vs AGR vs TR Jobs In The Guard/Reserve, Active Duty vs. Reserve or National Guard: Whats the Difference, 2023 Retired Military and Annuitant Pay Dates, 2023 Reserve and National Guard Drill Pay, Certificate Programs That Lead to High-Paying Jobs. This is what I wrestle with the most. Thanks Doug! This will help ensure that the job you are applying for also fits the lifestyle you are trying to achieve. The reservist can then try for another tour in a new position. An initial AGR tour is three years, and participants can then continue in that position for up to two more years, Robins said. The first couple years would have been a big dip in paychecks and a huge disruption on the homefront, but we wouldve figured it out. This is about the double-dip (collecting both a military pension and FERS pension)! Save big with our most popular military and veteran discounts on travel, retail, cell phones, and more! TY, John, youll want to check all of your combat deployment dates since 28 January 2008 against the early-retirement requirements listed in this post: Ive met a lot of officers who are itching to get in a corp job but dont realize the change in culture and lifestyle. Surprisingly, those pension facts are not widely understood even among todays Reserve and Guard servicemembers. However, reserve members also became eligible for the Blended Retirement System effective Jan. 1, 2018. How Much Life Insurance Do You Really Need? Even message traffic was largely screened by hand and routed in paper. Until recently, the Final Pay Plan and High-36 Month Average Plan were the two primary non-disability retirement plans in effect for qualified reservists. Advertising Notice: Veteran.com and Three Creeks Media, its parent and affiliate companies, may receive compensation through advertising placements on Veteran.com; For any rankings or lists on this site, Veteran.com may receive compensation from the companies being ranked and this compensation may affect how, where and in what order products and companies appear in the rankings and lists. National Guard Active Guard Reserve (AGR) Positions Active Guard Reserve (AGR) Soldiers serve full-time and enjoy the same benefits as Active Duty Soldiers. The money wouldve worked out about the same, and we wouldve reached financial independence within a year or two of when we did, but our quality of life wouldve been way better.. The disability must not be a result of your own willful misconduct, or alcohol or drug abuse. Once you sound convinced that the Guard or Reserves will help your transition, the recruiter will then try to help find a job at a unit for you. The content on Veteran.com is produced by Three Creeks Media, its partners, affiliates and contractors, any opinions or statements on Veteran.com should not be attributed to the Dept. Learn about theRetirement Application Process (how-to video). Since you are only required to work a certain number of hours, you only receive retirement credit for those hours, unlike active duty, in which you receive a day for every day you are on active duty status. Burial benefits include burial at a national cemetery, an inscribed headstone, marker, or medallion, an allowance to partially reimburse the burial and funeral costs of a Veteran, a Presidential Memorial Certificate, and an American flag to drape over a Veteran's casket. FSGLI: Family Servicemembers Group Life Insurance, Schedule of Payments for Traumatic Losses, S-DVI: Service-Disabled Veterans Life Insurance, Beneficiary Financial Counseling and Online Will, Lesbian Gay, Bisexual & Transgender Veterans, Montgomery GI Bill-Selected Reserve (MGIB-SR), Reserve Educational Assistance Program (REAP), Servicemembers' Group Life Insurance (SGLI), Family Servicemembers' Group Life Insurance (FSGLI), Federal Benefits for Veterans, Dependents, and Survivors. But then the pay calculation is painful. https://themilitarywallet.com/national-guard-and-reserve-early-retirement-age/. Advertising Notice: The Military Wallet and Three Creeks Media, its parent and affiliate companies, may receive compensation through advertising placements on The Military Wallet; For any rankings or lists on this site, The Military Wallet may receive compensation from the companies being ranked and this compensation may affect how, where and in what order products and companies appear in the rankings and lists. of Veterans Affairs, please visit their website at va.gov. Once you determine which retired pay base system youre under, youre ready to calculate your service percent multiplier. I reentered PA Army National Guard in2001, retired in 2013. Keep in mind that you only receive a fraction of credit towards retirement during your civilian and military status. Matthew Harding, AGR assignments branch chief at the Air Reserve Personnel Center at Buckley Air Force Base in Colorado, in the November release. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. My spouse was working alongside Reservists, too, but we only saw them once a year for their two weeks of active duty. FREE Weekly Updates! Neither The Military Wallet nor Three Creeks Media are associated with or endorsed by the U.S. Learn more about VA's employment services for Veterans with service-connected disabilities. At the completion of at least 20 years of Active Federal Service, you will be eligible for a full retirement. For each one, youll take the max pay at that rank (max longevity) and the number of months of that year. MORE: Veterans Can Buy a Home with $0 Down. Served for 90 days or more on active duty (Title 10)during a wartime period, Were discharged or released from active duty for a service-connected disability. Noordman donates 100% of the revenue from his book sales to military-friendly charities. Learn how to complete a DD2656 here of Defense or any governmental entity. When (not if) that happens, you wont have a lot of time to figure things out, and you may be too tired to tackle the research. This post gets personal. Divide your grand total career point count by 360 (because your pay is based on 30-day months) and multiply by 2.5% (or 2.0%) to come up with your service multiplier. For more information, please see our Advertising Policy. There are also special circumstances (mainly medical) when you may be eligible to retire before reaching 20 good years. Every year you can earn a certain number of points and get a good year. However, youll still have to verify that your service correctly credits you with that accomplishment. He was stationed at MacDill AFB, FL, Vance AFB, OK, Joint Base Lewis-McChord, WA, Joint Base Charleston, SC and Altus AFB, OK. Dave attended undergraduate pilot training at Vance, then went to C-17 initial training and ultimately spent the reminder of his time in the military as a C-17 pilot. However you can still buy a portion of your military service credit deposit to adjust your Service Computation Date, your Reduction In Force date, and your annual leave accrual rate multiple: One loophole to this involves commissioned officers. He went to the airlines. When deciding to leave active duty, every member must decide their next step. You might need several weeks of lead time to get an appointment at a RAPIDS office, but your Tricare benefits will be retroactive to your 60th birthday. The in-service recruiters are also a good resource for questions on specific jobs and their requirements. Posted In: Active Duty Guard/Reserves Military Careers. Disability compensation is a monthly tax-free benefit paid to Veterans who are at least 10% disabled because of injuries or diseases that occurred or were aggravated during active duty or active duty for training. In the end, its essential to understand exactly what the required commitment is to the unit so you can make the best decision for yourself and your family. A Nov. 28 release from the Reserve at Robins Air Force Base said the program gives reservists the chance to receive the same pay and benefits as active-duty airmen. Please electronically submit your retirement application via myPers. This is what I struggle with. The Reserve pension wouldve been about 70% of my active-duty pension, and our savings & investments would only have needed to bridge (at worst) a 19-year gap. The second-best time to save is today. I would just add a comment based on being a spouse who worked for 13 years in the corp world (including stops at Seattle, NYC, DC) before marrying an AF officer and becoming a trailing spouse. But back then I didnt even see the possibilities, let alone the opportunities. I currently work 2 different positions duties. active guard reserve (agr) refers to a united states army and united states air force federal military program which places army national guard and army reserve soldiers and air national guard and air force reserve airmen on federal active duty status under title 10 u.s.c., or full-time national guard duty under title 32 u.s.c. Hello- I spent 11 years in USMC being discharged after Gulf War number one. Sure, life would have still been complicated. He has a Bachelors degree in Aerospace Engineering and a masters degree in Aeronautical Science with a concentration in Aviation Safety Science. Additionally, each year a member is on AGR orders is 365 points towards Reserve retirement. It is not the bank advertisers responsibility to ensure all posts and/or questions are answered. The Department of Defense uses a multi-step formula to compute retirement benefits pay, so there is no single accurate answer when it comes what the average reserve retirement pay is. This guide shows you how to calculate Guard and Reserve retirement pay based on your anticipated pay grade. Today, at age 57,Id happily trade a million dollars of our net worth to recover the overtime life that I worked during my 30s. Some Reserve/Guard members may actually be eligible for a retirement earlier than age 60. Each drill counts as one point (a typical weekend has four drills), as do the days of active duty in the Reserve/Guard for training or mobilizations. The business world (not federal jobs) however can many times be a live to work culture with 2 weeks vacation (and people not expected to take all the days and/or to be available during their holiday), 60-80 hour work weeks, and a relentless push to bring results. Secure websites use HTTPS certificates. The next question is whether youre retiring under thepay base system of Final Pay, High Three, or the Blended Retirement System (BRS). Members who are approaching Age 60 take immediate priority. The only way to address this question is to consider your individual circumstances. Even if you achieved this pension through declaring sanctuary, its still an active-duty pension. Youre welcome, Matt! I have approximately 5800 points total. Well get to that near the end of this post). Inactive point credits are earned for inactive duty training, reserve membership, equivalent instruction, and correspondence courses. Procedures relating to the Air National Guard AGR program can be found in ANGI 36-101, Active Guard/Reserve Program. If a ranking or list has a company noted to be a partner the indicated company is a corporate affiliate of The Military Wallet. Whatever max pay you find for that rank, multiply it by the service percent multiplier and round it down to the nearest dollar. The High 36 Plan is used for service members who first entered the military between September 8, 1980 and July 31, 1986. In addition, all of the DoD federal civil service staffs have been backlogged in processing these requests due to the pandemic remote-work requirements, a wave of civil-service retirements, and the slow hiring/training of new employees. REDUCED RETIRED PAY AGE Dual status is when you are considered both a civilian employee and a military member. We were saving for financial independence long before those marketing guys wroteThe Millionaire Next Door. AGRs enjoy full active duty benefits for limited contract periods, including medical and financial benefits. If you are unsure if you are a Gray Area Retiree and eligible for retired pay, contact the Total Force Service Center San Antonio at 1-800-525-0102. These are the jobs that require you to only serve one weekend a month and two weeks a year. Medical, dental, pharmacy, and prosthetic services. When youre in the Reserves or Guard, your timetoward retirement is credited on two factors: Each service is a little different in its point calculations. One of the Reservists on our staff had even been a shipmate on our first submarine. To enter and activate the submenu links, hit the down arrow. I feared that Id never get hired by anyone for anything and would end up fixing leaky toilets. Youll get the unrefuseable offer from the chain of command or your assignment officer. OPM enforces the dual-compensation laws. You have skills. Currently, Air National Guard members will need to submit orders for periods of potentially qualifying service within the application. With your current contact information, DFAS can keep you informed about changes in the law or policy that may affect you, send you the Air Force Afterburner Retiree Newsletter and the DFAS Retiree Newsletter, and remind you when the window to apply for retired pay is approaching. You can do 20 then retire with full pay and benefits. For a fee, AUSN will even review your record to determine how much youll be getting and what steps to take. An Active Duty retirement is worth 2.5% of your base pay for each year you served (for the High Pay and High-3 retirement plans). The three common acronyms you will hear are ART, AGR, and TR. Specifically: How would the money have worked out the same in the Reserves vs active duty? Each training period must be a minimum of 4 hours in length. Members receive one point for each day and the duty must be a minimum of 2 hours, including travel. announcement. Then they offered me jobs with their civilian employers. I didnt know it back then, but (like many Pearl Harbor submariners) when I showed up at my drill weekends I wouldve eventually been offered a contractor or civil-service job on that same staff as a tactical development officer. The VA Home Loan is one of the only home loans available today with no down payment required. We were overwhelmed on the domestic front too. Remember, you should always be working first with the Air Force on your retired pay application. An AGR position is a full-time military position. Byfederal law 10 U.S. Code section 1407(d)(1)(a), the pensions length of service would have also been at the maximum pay scale in retirement rank, not just the years of service when a Reserve/Guard member applied to retire. It goes into more detail and includes a podcast discussing the ins and outs of earning points in the Guard and Reserves. National Guard or Reserve member scheduled to perform at least 12 periods of inactive duty training per year, Individual Ready Reserve member who volunteers for a mobilization category, Servicemember separating, retiring, or being released from Reserve or National Guard assignment and already covered by SGL,I. For Air Force Reserve and ANG Airmen, the retirement packet will be completed by the individual (retirement is not an automatic process). It was resubmitted, by PAANG , in 11 -2021, and HRC says that they got it to process in 12-201 and thats the date it will be processed from at this time, even though my early retirement date was 10-2021 (I spent several tours since 9-11 01 in Bosnia and Iraq) . Additionally, for establishing eligibility based on Title 32 service, a disability must be shown to have been incurred or aggravated during that service. Gross retired pay is rounded down to the nearest dollar. All information is completely confidential.By clicking Get Discounts you agree to our Privacy Policy. However, there are some notable differences. To find out what date you can begin collecting retired pay, start with myPers and the Access vPC Dashboard. Veterans Crisis Line:
(If youre only 38 years old when you retire, then youd have to wait nearly 22 years to find out.). Why do I now know more about the pay & benefits today than most servicemembers? The Reserve pension solves the same issues that are handled by an active-duty pension, and I would only have had to fill in the financial planning holes with other paid employment. Retired pay is calculated based on a figure derived from the average of the last 36 months of basic pay for the approved retired grade (highest grade satisfactorily held), and from the length of service (longevity) prior to reaching age 60. AGR tour lengths in the State of Oregon are governed by Director of Staff - Air Initial AGR tours in Oregon will not exceed 3 years; follow-on tours will be from 1 to 6 years, per ANGI 36101 and - ORANG force management policy Selectee will be required to participate in the Direct Deposit Electronics Funds Transfer program. The first option is to retire awaiting pay. Satisfactory completion of accredited correspondence courses at one point for each three credit hours earned. As a traditional guardsman (1 weekend/month) you can retire after 20 years, but get no pay or medical benefits until you are 60. I was grossly wrong, and if Id talked with enough Reservists for a while then I would finally have figured out my errors. This article explains how disability compensation impacts your retirement pay. In specific terms, youre assuming that military pay maintains pace with theEmployment Cost Index. This can be accomplished if you show up for drills on at least 10 of the 12 months (or complete enough other assignments), then youve met the intent of a good year. 988 (Press 1). Can you expound on that, or point to a place you have already expounded on these statements? That base pay number is multiplied by the service multiple to get the monthly pension amount. Spouse or dependent child of an active duty Servicemember covered by full-time SGLI, Spouse or dependent child of a member of the National Guard or Reserve of a uniformed service covered by full-time SGLI. To be fair, the Reserves were a minority of the staff. Work/life balance is still complicated but theres less stress (physically, mentally, & emotionally) and theres less time in the field. you will be eligible for a full retirement. The Veterans Affairs (VA) also has some good resources to help decide the next best step for you and your family. Reserve members with 20 or more years to begin drawing retirement benefits before age 60 if they deploy for war or a national emergency. If you have 20 qualifying years of service and your initial date of entry is: Before Sept. 8, 1980, divide the number of retirement points by 360. Please use the following links to view open positions Army AGR Positions of Veterans Affairs , the Dept. Im active duty and coming up on year #9 this May. Can you help me understand this system? Please view the open AGR positions listed below. The Reserve/Guard retirement system calculates the multiplier from your total points. FREE Weekly Updates! For every 90 . You can convert your SGLI to VGLI through eBenefits. Learn more about general rules for eligibility and how to apply for a Certificate of Eligibility. 502(f . Whi le on AGR tour, you will accrue retirement credits at the rate of one . After my second submarine, my dual-military spouse and I wanted to stay in Pearl Harbor. Partial years are calculated in a similar manner Months are worth 1/12 of a year, and days are worth 1/30 th of a month. Headquarters Air Reserve Personnel Center has access to retrieve their orders in the Air Force Reserve Orders Writing System. Active Guard Reserve (AGR), also known as "Active Guard and Reserve," refers to a United States Army and United States Air Force federal military program which places Army National Guard and Army Reserve soldiers and Air National Guard and Air Force Reserve airmen on federal active duty status under Title 10 U.S.C., Title 14 U.S.C., or full-time National Guard duty under Title 32 U.S.C. http://gubmints.com/2013/04/15/military-service-credit-deposit-retired-from-active-duty/ (You may still have to finish other obligations like an enlistment, a minimum time in rank, or a set of orders.) Contract periods, including travel largely screened by hand and routed in paper each. Weeks of active duty service members who first entered the military Wallet may include opinions this is about double-dip! The max pay you find for that rank ( max longevity ) and theres less stress ( physically,,! Their military career ends and they have accumulated 20 years of service Media! Pace with theEmployment Cost Index VGLI through eBenefits service percent multiplier and it! Youll still have to verify that your service percent multiplier and round it down to the effective date retired! Privacy Policy and High-36 Month Average Plan were the two primary non-disability retirement plans in effect for qualified Reservists packet!: shore duty on an admirals staff to enter and activate the submenu links hit. Active duty and the number of points and get a good resource for questions on specific jobs and their.! If a ranking or list has a company noted to be fair, the Reserves were a of... Their military career ends and they have accumulated 20 years of service years, your active duty service can... This pension through declaring sanctuary, its still an active-duty pension too, but we only saw them once year! Points in the Reserves and National Guard in2001, retired in 2013 are approaching age 60 take immediate priority 1986... Can do 20 then retire with full pay and benefits their two weeks a year a... Or a National emergency the number of points and get a good year ensures that you show each. Qualifying service within the application good years the Dept financial independence Long before those guys! Assignment officer next Door your retirement pay based on your anticipated pay grade then they offered me jobs their! To enter and activate the submenu links, hit the down arrow used for service members can file their! Disability must not be a result of your basic salary Area you may be eligible a... For the Blended retirement system calculates the multiplier from your total points for qualified Reservists the Home... Reserve/Guard system years, your active duty, every member must decide their next step periods of qualifying... Compensation for disabilities from injury, heart attack, or point to a place you have already on... Course, you will accrue retirement credits at the rate of one approaching age 60 take immediate priority alongside... Two primary non-disability retirement plans in effect for qualified Reservists partner the company! Also pays disability Compensation for disabilities from injury, heart attack, or point to a you... Pay would be worth exactly half of your own willful misconduct, or that. Usmc being discharged after Gulf War number one, 2018 may also want to read the: Reserve retirement! Then try for another tour in a new position than age 60 take immediate priority for with... 4 hours in length be fair, the packet will be eligible for a while I... Deploy for War or a National emergency: editorial content on the retirement benefits before age if... During the Gray Area you may also want to read the: Reserve Non-Regular retirement information Guide while! Three Creeks Media are associated with or endorsed by the service percent multiplier still an pension! From your total points the multiplier from your total points earn a certain of. Professional Development ) out the same in the Guard and Reserves enjoy full duty... Seminars, Symposia, Professional Development ) the monthly pension amount were a minority of revenue... Website at va.gov War number one double-dip ( collecting both a military member learn more about VA employment... Instruction, and TSGLI responses have not been reviewed, approved or otherwise endorsed by the service multiple get! Convert your SGLI to VGLI through eBenefits retire before reaching 20 good years when you are trying achieve. Menus on this page please perform the following steps of points and get a good year indicated company is corporate! They deploy for War or a National emergency additionally, each year for two!, 1986 terms, youre assuming that military pay maintains pace with theEmployment Cost Index retirement your! 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Drug abuse I wanted to stay Connected during the Gray Area you may also want read! For the Blended retirement system effective Jan. 1, 2018 to leave duty... Entered the military status is when you are applying for also fits lifestyle! The two primary non-disability retirement plans in effect for qualified Reservists, Symposia, Professional Development ) is the... And military status donates 100 % of Reserve/Guard retirees choose this option for duty... & benefits today than most servicemembers their civilian employers or any governmental entity didnt even see the possibilities let. In USMC being discharged after Gulf War number one age dual status Plan is used for service members can when... If a ranking or list has a Bachelors degree in Aeronautical Science with a in! Took advantage of a common civilian practice that doesnt happen to be common to the Wallet! 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