<prompt> Human: So, I keep getting flak for this from everyone from fellow active duty to Military Finance and Life Counselors and I stick to my guns. However, I am coming to you, rpersonalfinance, to see if this makes sense to you. First I will tell you what I do that would be considered non-traditional and secondly, what the results have been.First, I dont have a savings account. Instead I use a Brokerage Account as my savings account.Secondly, I dont have an emergency fund. The reason for this is that I have 10,000 of available credit. Being in a job where I deploy every 6-9 months, USAA has its own extended version of the Servicemembers Civil Relief Act where they cap the interest on your credit cards at 4 APR for the duration of your deployment plus 12 months after your return. Additionally, I have my brokerage account which is primarily used for stocks, meaning if I really need the money, I can sell some of my stocks, and have the money in my checking account within 72 business hours.Third, I carry no balance in my checking account. I put absolutely as much I can into my house payment, Jeep payment, or brokerage account. My credit cards give me 2.5 cash back pilot program through USAA and 5 cash back on gas. So every month, I put everything on credit card and pay it off beginning of every month on pay day.Fourth, I do not contribute to my TSP Thrift Savings Plan. The TSPs own numbers indicate that the average of all their funds return 4.66. Additionally, modeled after an IRA, you cannot touch the money until 59 12 without a tax penalty and as someone who would like to start his own business when I leave the military, this is not ideal for me. Instead, I do all my own investing.So what has this strategy gotten me? Well, the day I left for the military, I had no car and 600 to my name. Now, as only an E-4, I have bought a Jeep Wrangler with 14,500 left to pay original principle 29,200, have 33,000 in my brokerage account, just bought a house, the highest interest rate I pay on anything is 4, and a credit score of 765 from Transunion.  <response>: Enlisted with a new jeep, no tsp, and no e fund? Sounds about right 