What is your financial plan after the military?

Contributing to 15% TSP for military side and Roth IRA for my civilian job and save, save, save. Gotta good wife who's more fiscally conservative than myself so she's kept me spending habits in check.

My financial plan after the military started when I was in the military. First of all, I sat down with my wife and we developed a plan. She is a federal civilian employee and has the TSP with a 5% company match, which I manage. I didn't use the TSP while in service and I'll explain, although I use it now as a federal civilian employee because of the matching contributions. A financial portfolio should be diversified. Instead of dumping all of our eggs in the TSP basket without a company match from the military, we made sure that we had life insurance policies established in our 30's that exceeded the value of SGLI, which we knew would be gone when I retired. We treat our savings account like a bill so we always have liquid assets available to us if needed. We bought our first home 12 years ago, long before I retired. It was our first rental property and brings us a positive cash flow. We bought our second home in 2005, which became our second rental property. The rent covers the cost of home ownership and provides a tax shelter as well just as the first home does with mortgage interest, real estate tax, property management fees, HOA, and maintenance deductions. Lastly, we had another home built two years before I retired. We own more than $600k in real estate. In 20 years or sooner, when we retire for good, their value and ROI will far exceed what the TSP would have provided me and we'll be mortgage-free. Lastly, we minimized our debt by getting rid of one car and its payment altogether, creating a stream of cash to eliminate revolving debt. It's cheaper to pay cash for a good used car as a second vehicle if you must have one. We use same-as-cash promotions for any large purchases such as appliances or furniture and pay in full before any interest is accrued. We pay monthly utility bills and gas with a rewards credit card and pay the balance monthly. We do not have a STAR card. I never had one my entire career, except the zero interest card for military clothing. We use the accrued reward points to cover airfare for vacation travel. We live within our means and not paycheck to paycheck. We don't care what the neighbors have or drive. My wife loves expensive purses and I oblige because she is all too happy to find deals at thrift stores for designer clothes and accessories. Gladly, I don't have vices that cost us money such as drinking, smoking, and hanging out in clubs. I tell my kids, you have a date with your future whether you prepare for it or not. We all do.

I've been contributing to a thrift savings plan for about 16 years.