<prompt> Human: Good day and thank you for taking the time to read,Im an E7 in the military, 35 with a wife and 3 kids, and I cant stand my job. I work in a demanding field of long days and long periods away from family. My next duty station, though not away from family, would be a lot of time at work. Im within 10 months of getting out and will have 13 years in if I do decide to separate. My career fulfillment and happiness are at an all time low. I have my bachelors degree can easily take on a new job in a similar field or something slightly different starting around 80-110k. Finances: I can reenlist for about 80,000 for another 4 years, which would pretty much seal the deal as far as a full career goes. For that money, I would intend on maximizing my Roth TSP and IRA contributions. I have about 40,000 in savings, 4,000 in checking. Now heres where Im retarded and Im kicking myself: I only have about 8,000 in a Roth TSP C Fund. I should have kept putting money in there, but when the first 2 kids were born I cut out and only recently started putting back in. I also have about 2,500 in a brokerage account in Vanguard.Debt: I have about 10,000 in credit card debt, which I have been making large payments on to get it down lower. The interest rate is 5. The question: Is it worth it to stay in the military for the next 8 years in order to retire and then work elsewhere or should I give up now and start my new career early? Thanks again for your help.Edit: To clarify, Im in the Navy as a nuclear trained operator. Ive looked at government jobs and I think I could easily transfer my time Ive been in the military, however I would take a pay cut to start out, but after a couple years I would likely work my way up to what Im making now.  <response>: Not many civilian employers offer a pension so, for me, the main financial consideration you have is the military pension. Is it worth enduring seven more years of service to receive the pension? Can you take a lessor reenlistment bonus and request recruiter duty, or ask to take an active duty position with a reserve unit? Anything to change your duties and work environment with out separating from the military. 13 years is a lot of federal time to lose. What field do you work in? Taking a position as a civilian employee of the federal government would allow you to get use of the service years, if you separated. If you remit 3 of the cumulative base pay received during your career, the 13 years military service will be counted as 13 years of federal civilian employment for pension purposes. I was in the same position in 2009. I was looking at a tax free I was in Iraq at the time, 84,000 reenlistment bonus. I decided to separated. I finished my Bachelors in 2013, started my career in 2014, and found I got no more enjoyment out of my civilian career than I did my military career. What made it worse was that there was no camaraderie, which youll find you miss quite a bit. I considered going back in as an officer for the last three and a half years. I made a career change this week and I love what Im doing. Im glad I decided to separate from the military and glad I didnt go back in. My point here is that separation from the military may not change much, depending on who you work for and what youre doing. Carefully consider what you want to do if you decide to separate. Additionally, considered who you want to do it for. You must make sure that your enjoyment at work improves, as well as your work life balance. I typed this on my phone. Forgive the grammatical errors that may exist. Good luck with your decision. Its one of the biggest youll make at this stage in your life. 