It's a tough one. Some of these poor guys never had a steady paycheck before and don't even understand that taxes and social security get taken out. I felt the military absolutely sucked at preparing our young people (I was a Mustang O-4, so when I was vehement it usually upset people.) I had one kid that literally thought he couldn't be out of money because he had checks left - no joke. The military made everyone use direct deposit, he'd never had a bank account before and assumed we just added money as required. Don't even get me started on the used car lots near the bases. What's the difference between a carp and an used car salesman? One is a scum sucking bottom feeder and the other is a fish.
Growing old is unavoidable. Growing up is optional.