A higher paid salary has negotiating power when being asked to work over time. Want me to stay late for a couple days no problem. Want me to work overtime for a couple weeks? Then I need to be paid at least straight time for every hour worked past 40.

So far I haven’t had any issues with this approach. They either pony up or suddenly it’s not that urgent. Have yet to be fired, but I don’t get asked to work overtime unless it’s truly needed now.

It would make sense since that regional adjustment system already exists that they could apply it to everything. I’m sure there are some macro economics that would affect but I’m too lazy to put that much thought into it.

I think people underestimate how many civilians work alongside our men and women in uniform. Walk out to any hangar on a base in the US and it will be close to half and half. If it’s test facility it may be more civilians.

This is the answer.

This is the same as me. I also have a policy on both my kids. It’s $10k and it’s so I don’t have to worry about funeral costs.

There are also plans like that and turn into a college fund but it’s probably just better to use a 529 for that.

But ultimately, in my opinion, it’s better to have a one on the bread winner of the family. But some people feel they are never necessary.

If you die young you don’t need insurance because your spouse is still hot and can re-marry easily. If you die older your children are out of college and can take care of themselves.

Everyone take or don’t take insurance policies for their own reasons and it’s hard to know exactly why unless they make it plainly obvious.

I pre-ordered mine back in September. Those of us who game from multiple rooms in their house this thing is amazing. Or those who have to share a TV with people who don’t use the PS5 connected to it.