The decision of whether to stay in the military for 20 years or retire after your activty duty service obligation is complex. Both life and financial consideration are important to weigh. Life is complicated, math is simple. While your ultimate decision will be the result of balancing both life and financial considerations, too often the military surgeon does not have the time to calculate or understand the financial implications of their retirement decision. This tool will help educate and inform military physicians on the financial implications of serving 20 year in the military.