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@peter_aka_00avenger00 This is a rather definitive statement. With my split it works out to $50/year I'm putting into the G fund. That's $50 into G (1.2% avg 10 year return) vs C/S (12% avg return). Works out to a difference in around $35k after 40 years if I put that 0.5% in C/S instead. While...

@holywalk L2055 has 0.5% in the G fund right now, which I know isn't nothing, but it's close. Also G fund is up 1.15% this year vs. -20-28% for the C/S fund. I'm not saying it's a good plan in the long term, but diversification has it's benefits.

@mellowyellow You have 5-6 years to start looking at fields/companies/specific jobs. I would dig into the details during this time and really see what you're signing up for. As other have mentioned, that $200k a year starts going down significantly when you start adding all the hidden costs of...

@jewlyen You're not wrong, but this assumes fiscal responsibility.

@l86 Assuming they use the extra funds wisely and invest to make up for the lost pension.

@caca Eh, I guess, but I'd rather give the military $50k a year for 10 years in order for them to guarantee me $100k a year for the next 30-50 years. Edit to clarify I was just referring to guaranteed retirement income. In OPs post they have a modest TSP account and are only contributing half...

@holywalk Currently O-4 at 11 YOS, so earliest retirement would be O-5/6. PNW, 3/2 is $520k, $3400/mo (no down payment which wasn't very smart in hindsight), 30 VA has $600k in interest. Putting an extra $1500/mo would be 15 year pay off, saving $330k in interest according to payoff calculators...

@matt007 11

DINK, max TSP (legacy retirement, ideally O-5/6), 6+ month emergency fund in investments, $80k in student debt between SO an I (6.0% avg), no consumer/car/CC debt. Question is do we aggressively pay off student loan debt, or instead put that extra payment money towards our 6.125% mortgage? The...