Rick,
Thank you, sir. My point to gringo was that there are guys who do what we did who can't (or won't) let go. They become conditioned to that lifestyle. They (falsely) believe that's the best they can do.
But... a military retirement isn't all it's cracked up to be. Don't get me wrong, I am thankful for it. It helps immensely.
However... 50% at 20 yrs isn't quite true. When active, you are being paid base pay, housing allowance and subsistence allowance (plus any other special pays you may be entitled to).
When you retire from the military... you DO get 50%. 50% of your base pay. Which is about 60% of what you make when active.
In my current job, we get 3% at 50 yrs old. 3% for every year you work after you reach 50. I started at 38. My plan is to work until 55. 17 yrs x 3% = 51%.
If I made $90,000 the last year I worked for the department, I get $45,900 for the rest of my life. It's 51% of 100% of what I made that final year.
My point is, too many guys hang on because they're afraid to take that chance. They get comfortable and settle for average.
That's okay, I guess... but it could be better. You just have to take that chance.