Don't just save for IOT! Until you get to Fg Off, the pay is pretty average and you'll be socialising with ex-uni guys earning a lot more than you. Toss in a few ex-navs for good measure and expect to live beyond your means for the first 2 years of RAF life!!! However, speak to your bank manager. I managed to wingle a Graduate acct with Lloyds Bank by saying I'd "graduated" from the Royal Air Force College. You qualify for a low apr loan and a huge interest free overdraft for 2 years, which helps until you leave the slave wage. Anyway, good luck-I know you'll enjoy!!! <img src="wink.gif" border="0">