I did 7 years active duty and now close to 12 in the reserves. Guard and reserve can start collecting at 59 1/2. Any active duty time can be bought back and counted towards civil service years. Even if you do 20 years you can buy back your time but it's not advisable.
I'm sure the reserves doesn't have MRD. About a year ago a guy transferred to my old reserve unit from the guard and he was at 21 years and under 1 year left on his contract. During his first drill orientation he was asked if he wanted to reenlist for 6 more years. He said it blew him away because in the guard anything over 20 is closely scrutinized for enlisted.
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