1. Sorry to hear you had to take out a loan. Having kids are expensive. and remember that EIC only got a 2 year extension....
2. To answer your loan question...always pay off loans to get money working for you. If you are going to retire military, your TSP is an extra holding place for money. If it's not in the account it is not working for you.
3. The stuff in bold is something that needn't be discussed on this site, but glad you get a bonus each year, it may not last. Most here just got told they are on a pay freeze for the next two years, so be careful advertising it.
Over all you are doing the right thing ozzyman....now let's get "OVER THE MOUNTAIN..take me across the sky"
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