<prompt> Human: Im expecting to retire in 4 years from the military. My pension will be just over 5k a month for life with annual inflation adjustment. I also will have full healthcare covered. I will be in my mid 40s when I do retire. I havent saved into any retirement accounts, I just have some savings accounts amounting to about 100k. What should I have done better?I am trying to learn more about this so I can mentor and guide future military career folks. Thanks.  <response>: I havent saved into any retirement accounts, I just have some savings accounts amounting to about 100k. What should I have done better?You should have been investing in the TSP all this time. It isnt too late, even now. If youre going to start a second career as a civilian you should start maxing your retirement contributions immediately. Doing that for the remaining 25 years until your second retirement will be the difference between a moderately comfortable retirement and an extremely comfortable one. Remember that new service members will need to lean even more heavily on the TSP than you did, since their pension will be cut down in favor of TSP matching. You might get away with not using it, but they simply will not.Additionally, have you invested in any real estate during your time in the military? Your expected expenses in retirement are just as important as the size of your retirement fund, and having a place to live is a huge factor there. 