Hello Derrick.
You get one point for each day of duty. You need to accumulate 75 inactive points per year for 20 years to be eligible to retire.
60/75 POINT RULE
Guard/Reserve members may accumulate a total of 365 points per year (366 in a leap year) from inactive and active duty service (one point for each day of duty). However, for retired pay calculation purposes, members can’t use more than 60 inactive points per year (for Reserve years ending before 23 September 1996) or 75 inactive points per year (for reserve years ending on or after 23 September 1996). This is commonly referred to as the “60-or 75-point rule.”
You must earn a minimum of 50 points a year for 20 years.
As a Reserve/National Guard member, you must have 20 “qualifying” years of service to be eligible for retired pay at age 60. A “qualifying year” is one in which you earn a minimum of 50 retirement points.
It is all explained here:
http://usmilitary.about.com/od/reserveretirmentpay/a/reserveretire.htm
My advice:
No not miss any weekend reserve meetings (4 points) a month.
Do not miss any 2 weeks of active duty each year: 14 more points.
Aside from being in the hospital nothing you have to do is more important that attending your reserve meetings.
Best wishes,
Larry Smith
Senior Master Sergeant, USAF (Ret.)
First Sergeant