<prompt> Human: This is going to be a long post as Im going to try to be as detailed as possible.Im an active duty military officer this becomes important once we start talking taxablenon-taxable income as well as other veteran-available benefits such as the VA loan, education benefits, and waived annual fees for major credit cards that is currently stationed in the Southeast US. Married to a SAHM who provides excellent care to our newborn. Previously she was in a career field that generated a slightly below average income. So her coming out of the workforce is honestly not a huge detriment as I am more than able to provide. Her small income just went to our savings account at a rate of about 20k a year. Nothing to scoff at, but our quality of life hasnt taken a hit, thankfully. My wife and I are both in our early 30s.x200B; INCOME YearlyThe below table shows the major breakdown of my military income by both taxable and non-taxable components:If on your phone or a tablet, you can scroll leftright in the tables below if they are cut offITEMTAXABLE INCOMENON-TAXABLE INCOME:-:-:-Salary 172,9960Allowance for Housing 2020,232Allowance for Sustenance03,052All Special Pays Combined 303,600Totals72,99626,8841 This is from my current pay grade. In two years, with a guaranteed promotion and increased tenure, this will become 84,636 according to this years pay scale. With inflation and DOD-wide raises from Congress, it will be closer to 87,500 at that time.2 This is based on my current duty station location, which is not a highly-valued real estate location. In bigger cities along the coasts, it would be at least double that for my pay grade. Regardless of location, it is non-taxable.3 This does not include combat-specific incentive pays, which are only if you are in a combat zone. I was for the past three years because of multiple deployments, however I wont count them as they are intermittent, not sustained.A few pennies short of an even 100,000 total, not including travel pay per diem and the other entitlements that just go to savings. Take home--after health insurance TRICARE, 401K contributions, taxes, social security, etc are automatically deducted from my paycheck--is around 6,500 a month.x200B; COST OF LIVINGBelow is our cost of livingItemMonthly Cost:-:-Mortgage including additional to principal1500Home Insurance and Taxes300Family Comprehensive HealthLife Insurance50Groceries and Dining Out850Internet50Cell Phone150Pets200Gas75Utilities ElectricityWater250Amazon Prime, Netflix, etc. Subscriptions50Car Insurance 1300Amazon Subscribe and Save150Total Monthly Cost of Living3,9251 By summer 2019, I expect this to drop by at least 50, closer to 75. We will have removed the third vehicle from our insurance we just recently upgraded, and the third is being sold to a family member, so theres some overlap to maintain insurance coverage and my wife got in a string of accidents. All three occasions were due to other drivers pulling out when they shouldnt have from blind driveways or driveways that immediately dump onto 45-50 mph roads, resulting in my wife rear-ending them. Never any damage all collisions were under 10 mph due to braking, but the responding officer needed to annotate fault for the report, which went to us. All three of these will drop off the 36-month period by this coming spring, thus reducing the driver liability by a significant margin.x200B; OVERALL ACCOUNTSWe have no collegestudentother loans current mortgage not included, and a combined savingsemergency fund account of 30,000. Our checking account is a negligible amount and mostly used to pay the mortgage after my paycheck comes in.x200B; VEHICLE ASSETSWe have two vehicles that are paid in full bought used and if I were to sell them today, I would get within 85 of their purchase price at the least. If sold deliberately, I could get what I paid and potentially more for both.The third has just been sold already to the aforementioned family member - currently in the process of transitioning ownership, insurance, registration, etc.Costs are solely routine maintenance which I do myself.x200B; INVESTMENTS HOUSE - We bought using the VA loan 0 down, 3.75 APR bought in 2015 for a 195k loan. Due to triple payments every month the first three years, the loan is down to 107k remaining already, and Ive transitioned to 1.5x a month as I started my 401K this year. I have, starting this year, done away with my escrow account so I can pay the taxes and insurance separately. The house was bought as new construction, so the first year the tax estimate was severely undervalued, and it hasnt caught up. So every year I have seen my mortgage payment increase and quite dramatically over the last 3 years, however its just for the escrow overage, which then means my increasing payment does not actually hit the principal like I want. Added benefit is I now can pay the home insurance AND the tax via credit card, thus enhancing churning and point gains discussed below. When we PCS to another location in 1-2 years, I confidently expect to be able to rent this property out for 1450-1500 a month, especially after learning neighbors recent rental rate. Not looking to sell this property. 401K - The military has its version of the 401k called the TSP Thrift Savings Plan and this is the first year that I started contributing to it dumb I know. I have 5 employee matching which comes out to 3600 in matched-contributions per year at my current pay grade. I have quite a bit 100 tax free not just tax deferred in this years contributions because it was added while I was in a combat zone. Not something that means a whole lot in this discussion, especially moving forward as theres no deployments in my future for at least a few more years to then capitalize on again, but an interesting footnote nonetheless. I expect to maximize this years contributions by the end of the year. 75 allocations to the C FUND and 25 to the S FUND. Fund Comparison Matrix here. The entire account is set up as a ROTH 401K. Im not sure if this is a TSP only benefit, but it is ROTH TSP. ROTH IRA NON-ROTH ACCOUNT - I opened a ROTH IRA when I was in college, dumped some money in it, and then aggressively played the stock market. Long story short, took 17k across this ROTH and then another non-ROTH account, flipped it to 60k in 2-3 months, and then reinvested EVERYTHING gains included into increasingly aggressive positions during that span. Now, both accounts are pretty much worthless and I learned the stock market is not for me as I just get too addicted and sucked in i.e. check the ticker 100 times a day and researching prepost market. So from 22-30, I did pretty much zero for investments except the aforementioned house and doubletriple payments to slash the principal. The Roth has about 11k in liquid funds that have not been invested anywhere from last year and this years contributions. I am considering relocating the entire ROTH from USAA where I have my banking, checking, mortgage to Vanguard and then investing in some slow-growth funds. Something I wish I did with my career starter loan from college at 22 years old, but live and learn. CREDIT AND CREDIT CARD CHURNINGI have recently September 2018 discovered churning, and right now with my latest card Chase Sapphire Reserve, 31k limit - its approved but I cant edit the table from my phone, makes 424. All told, my FICO8 credit score as of last month was 800 according to AMEX and my other holdings are:x200B;Credit CardOpenedLimit:-:-:-USAA Visa 1April 200810,000American Express Platinum 2September 201810,000American Express BlueCash Preferred 3September 20181,000Amazon Prime Card 4October 20185,0001 Up until recently, this was the card we used for literally everything, however now everything has been migrated to the other cards. It is not being closed because it has an excellent age that is buttressing the age of the new cards that are being opened. I intend to keep this open forever just for its age.2 Opened with the 100,000 point offer, which was timed with airline tickets for Christmas - unlocked and currently at around 125,000 points.3 This was intended to be the primary groceries and gas card due to its 6 and 3 cash back respectively, however after the recent announcement of the AMEX Gold, which is 4x for groceries and US restaurants, this card will become the gas card and the AMEX Gold will be for all things food. I am waiting to apply for the Gold until after 524 is depleted by Chase cards. Also, I easily expect to up the limit to at least 5,000, however they wont consider it until two months after opening.4 Obtained solely to earn 5 instant back on Amazon purchases, which my household relies on for a multitude of things. Should have gotten this card long ago, but cest la vie.Thanks to being active duty, all annual fees AMEX Platinum, Gold, BCP, and Chase cards are waived in their entirety for as long as I am on active duty 12 more years at least.Like I said, my credit score is excellent, and I have also never missed a payment in my life and thus never any debt. In fact, I noticed that in the past month, my score jumped a significant amount after hovering in the low to mid 700s over the past 5 years.x200B; CHILDRENS EDUCATIONI am not concerned about prioritizing a significant amount for this as there are multiple ways to ensure my children will attend college at nominimal cost, and before considering any academic scholarships. This is because of me transferring my post-911 GI Bill education benefits to them as well as possible attendance in another country dual citizenship in a country that offers free post-secondary education.x200B; IMMEDIATE FUTURE PLANSI will be attending graduate school while remaining on active duty starting either Fall 2019 or Fall 2020 - TBD, so I will continue to garner the above wagesbenefits, however the allowance for housing will SKYROCKET, especially considering the program I am eyeing is in the Bay Area. Decision to buy a house will be a separate post, but it would be another VA loan with 0 down, which is the only way wed be able to afford a house in that price range 750-800k is what we are estimating. The intent would be to buy and then turn it into an investment property once we depart the grad program to return to the real Army by renting it out andor AirBNB.So...help me PF gurus. What am I doing wrong and are any of my priorities mixed up and should be shifted? And thanks for reading this tome :  <response>: I recommend cross posting to rmilitaryfinance 