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@samuel53 TSP. You're right, trying to handpick stocks as a novice is a bad idea. With the TSP, your money will be diversified for you based on when you plan to retire. The L2050 fund for example allocates most of your money to stocks and the remainder to bonds. As you move closer to your...

@samuel53 Are you a lifer? Or are you doing one enlistment and getting out?

@demarch The benefit IS being active duty. Help exists outside of emergency funds. Navy and Marine Corps Relief Society is just one example. I'm just thinking that the easystart isn't a terrible idea for someone who has social safety nets in place, reliable base income, and possibly additional...

@demarch I dunno man. Navyfed's easystart certificate would be an exception to that rule considering he/she is active duty. It's got a good apy and he/she has other options if he/she has a real emergency. But generally, I would agree with you about cds as an emergency fund.

@turtledove13 I was able to do it as an E6 in SoCal with a roughly 5% interest rate. The thinking is that if I get the property while other folks are hesitant to buy, I could always refinance at a lower rate in the (hopefully short) future. I should also note that my commute to work is 1 1/2...