I am currently paying back my Air Force hpsp obligation (owe 4 years for a 4yr hpsp scholarship, I was civilian deferred for anesthesiology). My question is why do so many speak poorly about earning potential in the military? I am actually feeling the exact opposite, my currently salary is much higher than I was expecting (I suppose due to some of it being tax free), and will continue to increase in the future with increases in rank, time in, and retention/ board pay bonuses that I am not currently entitled to. I also used a retirement calculator, looks like retirement may be worth close to ~8million (used 7% for my tsp growth). The pension alone is worth over 5mil (if I live until 90yo) In order to create that same pension in 20years I would have to save >$250k a year. Im actually having a tough time calculating how I could even create that same earning potential as a civilian anesthesiologist in 20years. I also love being in the military so far, I have always wanted to join (I know I have not been in long so I suppose that may change). Any thoughts? Seems like a good deal to me.