"...For most of us, the advice to develop a retirement strategy three to five years in advance lets us wait until we're in our fifties. Not so if you're in uniform. Jason has served 16 years and is about to make a life-altering decision before he's 40: Should he quit the Army after 20 years, when he can qualify for retiree health care and a pension, or stay for 30 years and get a larger pension?..."