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So if you retire at 20 years of service, your retirement is really about 35% of your pay(check), and that goes up to 52.5% if one serves 30 years.

Actually, its less than that in net household income, as the 'allowances' one receives while on active duty, including housing, variable housing, subsistance and clothing....these 'allowances' are not subject to state, federal or employment tax.

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