missingblade
I was being as conservative as possible, you’re right, as one’s kids get older, expenses mount and then no chance whatsoever of saving a dime.
If a person thinks they can probably ride it out till they get command, well, command will take 12-15 years, so a person is stuck on the same joining salary or slightly a bit more till they get command! How many people can say they’ll be happy to go into a job where they know they won’t get any pay increase for at least 12 years?