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As for the "wads of cash" returning vets have saved up, we've prepared for that.

My oldest (age 18 ) left today for Basic Training (OSUT, actually... he'll be a 19D Cav Scout). He'll be earning a $19,000 signing bonus. Every dime of that will go into his credit union account here at home, and I'm joint holder of the account.

I'm also joint on his checking account, and if he is sent overseas, then whenever his balance goes above $1,500 I'll transfer the excess to his credit union savings.

Our credit union is the old-fashioned type, not one with a community charter. It's not online, doesn't have checking or ATMs, and is only accessible in person or on the phone. There are never more than two people working there at once.

I don't have to worry about him raiding his savings on a young man's whim. :D

If he gets out after his contracted 3 years, he'll have GI Bill for school, and probably $40,000 as a nest egg.

Kevin