MrsNop...

Not really financial hardships...just trying to make sure everything is paid off prior to his retirement...just in case employment isnt forthcoming immediately. His retirement isnt enough to live on because his prior wife gets half.

In regards to his retirement.... I too believe that the ultimate decision should be his but we also have a daughter and son that are dependent on us.... and their needs MUST come before our own. Our daughter is a sophomore in high school and our son is in 4th grade. There is a certain kind of comfort in knowing that one has a home, food and a job ...by being in the military.

My issues with H retiring at this moment are..we do not have our own home, I haven't worked in a year ( because we have chosen to forego the "toys" lifestyle) and insure that our children have a parent at home with them. He hasnt had any solid job offers at this time, although if one comes through we WILL be better off being civilian....however that is alot of "ifs" and I don't do good in "if" situations.

My father is helping me alot with this issue ...as he says I just need to quit worrying. easier said then done.

I am going to take a bit and try and write on paper some things that might illustrate the dynamics going on right now...so that I am not just rambling away on this BB taking up space and time.

I cannot guarantee that it will be as eloquent and etc as you all post but it should help . Might take awhile though so ....

Thanks Suzy