Nords is one who checks in, especially when a military member can use his knowledge - his daughter is in the Navy now and I'm too darn vague to speak to her accomplishments.
He always had valuable feedback I hope to see him again last I heard his daughter had just graduated high school. I thought for a little while about buying a whole smack load of houses right around me but having family members like my dad living in the house next door made me think otherwise
I'll add a life update here.
Our daughter finished her five years of active duty in 2019 and her Reserve obligation in 2022. She's now a total veteran, although her spouse is still on active duty. For several years she's worked as a paraplanner for a financial firm (part-time, remote), and her financial literacy now exceeds mine. She's taking some time off to study for her Series 65 certification but she's surfing a lot more and not in a hurry to get back to work.
Her spouse is on his final active-duty tour now and leaving that in 2028 (at 14 years) to continue to 20 on Reserve drill weekends. At this point I think his main motive is Tricare Reserve Select (although he'll also enjoy the Reserve pension at age 60) with a hugely-improved work/life balance in his 30s and a far better quality of life.
They're both financially independent (high savings rate during their years of sea duty with 70% underway) and he's now stationed on Oahu. They're living right up the street from us, a 10-minute walk with plenty of quality family time. She's still surfing her high-school graduation longboard while he just bought a sweet Aipa 8'0" pin-nose Stinger longboard, so even if the Navy agreed to leave them alone in Hawaii he'd still move to the Reserves.
Our six-year-old granddaughter just finished kindergarten. She's the daughter which both sets of us grandparents warned our children about. (Generational karma has a wicked backlash, but I always enjoy hearing their apologies.) She's attending her mother's old school system and is showing all the symptoms of fourth-generation engineer. Since all six of us parents & grandparents are Navy veterans, our family joke for our granddaughter's high-school graduation is "Mom, Dad, I'm joining the Space Force."
I'm saving her a Scott Burke 8'0" foamie for the day when she's ready to stop riding tandem with her parents and tackle her own waves.
I'm still surfing 2-3 times per week, although I use a different avatar on other forums. My spouse and I plan to stay on Oahu for the rest of our lives, and we slow-travel at least 2-3 months per year for due diligence. I haven't found any surf that's better (let alone warmer) than Hawaii, although we'll travel as long as we can.
In April 2026, after nearly 24 years of retirement, I reached the dubious milestone of receiving more months of pension deposits than active-duty paychecks. Next I'm planning to double down on that.
I picked up my Medicare card a few months ago, and my spouse's turn is coming sooner than she cares to notice. We're both holding off Social Security until age 70.
Personally, life is still very good. My knees have shed the last of their cartilage, which ironically reduced the chronic pain from a 5/10 to 1. Along the way I lost 20 pounds and recently started viscosupplementation, so I'm confident that I'll never have my ACLs rebuilt... although I'm willing to revisit total knee replacements in my late 70s if necessary. A squad of orthopedic surgeons concur with this plan.
Last year I started a 5mg dose of rosuvastatin after a cardiac artery calcium score (194) proved that diet & exercise wasn't enough to overcome my liver's genome. I'm also belatedly dealing with chronic sinusitis (and a scarred sinus) from the effects of inhaling the Mount Pinatubo eruption during a 1991 submarine portcall in Subic Bay. It's manageable. If you're a U.S. military veteran of any era, go get your PACT Act screening from the VA while you still have the memories (and cognition) to do it without your family's help.
A couple of years ago (at the request of my family), I did a new audiogram with the VA and received a free set of hearing aids. They've changed my life (and my family's happiness) for the better-- and now I can stream Bluetooth classic rock in my head without earbuds. The VA has the medical evidence to claim that hearing aids will extend a human's cognition, and my spouse assures me that now they'll extend my life with her.
I've written about most of those preceding paragraphs on my site, but feel free to contact me if there are questions-- especially if you're in a military family.
I'm still writing, and our forum members' collective efforts at creating The Military Guide (between 2005-11) have donated $30,828.64 to Wounded Warrior Project & Fisher House Foundation.
I'm still desultorily crafting an updated edition (along with an audiobook version) but I'm easily distracted.
I check this forum (and a few others) every week for keywords, or whenever someone tags me. Or message me.
These days I spend the vast majority of my time on ESIMoney's Millionaire Money Mentors forum, which (as a few of you know) has been an incredibly enlightening education into the emotions of behavioral financial psychology with humans who have already reached the tripwire of the 4% Safe Withdrawal Rate. In our family, it's shifted our focus from wealth management over to legacy, gifting, and philanthropy.