I agree with rlbinc partially, but I am trying to look at things from a 20 year old's perspective with the wisdom of having been there 17 years ago in the same situation. Some money today may mean more than more money 6 to 10 years from now. Don't try to be too much like the Ant when you are young, maybe be the Grasshoper for a while THEN be the Ant. If you are truly going to save every penny then RLBINC's way PROBABLY, but not nesc., makes you more money. A spreadsheet isn't going to take everything into account. But when I was in the Nav it was nice to have the cash to spend when I was young enough to really enjoy it. And it looks like the Nav is offering you guys a better deal than I ever got. You can spread sheet it to death, but 20 grand in the bank TODAY to have fun in liberty ports and maybe buy that nice car or even take better care of the family may be worth more today than 30 grand later, just don't be too stupid; we had a guy that reenlisted, gave his gfriend an ATM card and came back from a cruise to a wrecked truck, a gfriend with her best friend wearing 2 new leather jackets coked out of their gords and a bank account with 400 bucks in it ....Also, don't forget about getting your SRO alot faster with some Navy qualifications that may be difficult to obtain in 6 years vs 8 years, that's one thing a spreadsheet might not take into account. EWS for 2 years or something like that??? My buddy Bob was this close to getting accepted to SRO class, but in the end his 6-year term screwed him, becasue he didn't have EWS + 2 years. He wants to go to SRO class, but instead toils as a primary chemistry first line supervisor, poor soul. He was one of the biggest anti-retention guys I'd ever seen, and so was I later on. But now I don't have an Ax to grind. Yes, you CAN POSSIBLY get EWS+2 in 6, but not everybody can. But for me, not having to do JR time was the sweet $$$ making deal for me. If I wouldn't have reenlisted I might have had to do a yr or 2 of JR time, which is fairly low paying, and harder to get jobs and othr BS juniors have to put up with.
I wish somebody would have presented both sides of the story to me like this when I was a whippersnapper, it would have been sweet.
Don't do TOO much bean counting, take a look at the numbers and make sure all the calculations really apply to you.
Yes, do a patrol first. No grinding wire biter grits.