Funny you say that, tonyaether... but my father is like this and he is ex-military and one of my best friends is like this as well and he's in active duty in Bahrain.
He has the most impressive collection of Xbox 360 games ever, but not real keen on savings nor retirement nor anything like that.
My dad was terrible with credit and it was one of the main reasons why they got a divorce.
But I have met people in the armed forces who are very responsible with their finances.
It's too bad that you found out way too late.
Best of luck to you.
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