Bob Scarlett

Newly Separated Veteran

2.3w
3 Comments

Hi all, I got out of the Navy in October, 2025 after 6 years of active duty with 5 years overseas.

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[+] Josh M. · 2.3w
Josh M. Josh M. · 2.3w

Thanks for your service, and good luck in the real world. Let us know if it's better out there

[+] Roberto Sánchez · 2.3w
Roberto Sánchez Roberto Sánchez · 2.3w

Nice! Welcome to the community.

[+] Bob Scarlett OP · 2.3w · 2 replies
Bob Scarlett Bob Scarlett OP · 2.3w

Not sure why, but I can't edit the post and I've rewritten this too many times. I am looking to hear some other veterans' stories of how they've found succcess in the transition. I am having a hard time controlling my spending as I still haven't broken the habits I built when I was in.

Please share your story!

[+] Roberto Sánchez · 2.3w · 1 reply
Roberto Sánchez Roberto Sánchez · 2.3w

Here is a bit of a reframing on spending. It isn't specific to the military/veteran situation, though.

Essentially, every dollar that passes through your hands you spend. You can spend it on some good or service today, or you can choose to spend it on your future freedom (i.e., save/invest). It becomes a bit more concrete if you have a target portfolio value/target annual spend figure or something like that, since then you can get a rough timeline into the thought process. "Do I want to spend $X on thing ABC today, or would I rather put those $X dollars into my portfolio so that in Y months or years I no longer have to work on somebody else's terms?"

There are probably a million variations on this general theme, but the core is still the same: every dollar is spent, and what you spend it on reveals your true priorities.

[+] Bob Scarlett OP · 2.3w
Bob Scarlett Bob Scarlett OP · 2.3w

Thanks for that! Maybe the answer is to realign myself with what my priorities are and keep that in mind whenever im spending money.

[+] Nords · 1.3w
Nords Nords · 1.3w

As Roberto SánchezRoberto Sánchez wrote, Bob ScarlettBob Scarlett, it's easier to find good habits to replace the bad ones than it is to simply stop the bad habits.

Instead of denying yourself the pleasure of an old spending habit, try to persuade yourself that you're now a different person who does [new habit] instead. Take it one expense at a time and give yourself some grace along the way. Cut out the spending on the things you don't care about (or that don't spark joy?) and buy quality on the things which truly add value to your life.

When I retired from active duty we did a complete scrub on our spending to decide what was important to us. A little at a time, we dialed our spending into those activities which we still enjoyed and cut back on the things which we didn't particularly care about.

Some of it was minor changes like cooking extra portions of everything at mealtime so that we'd have leftovers for the next day or two. Other issues were easier to handle (like cutting out our junk food and exercising more often) because we were getting good sleep at night (instead of midwatches & weekend duty) and able to make plans instead of being cognitively zombied-out.

If you're not already tracking your spending, start using monthly reviews of your spending vs budget. It's a lot easier to keep those new habits when you can see that you're spending on the things you value… and you can also see the new savings piling up.

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