I had to decide to turn down 45k to go NPS in 1995 while it was in Orlando. I decided to leave the Navy and I do not regret it because the pay scale and quality of life has been higher for me since I left. But, I do not have 150K in the bank either, so to make up for it, I save as much as I can and have a higher living standard at the same time. I made my decision based on staying in was for the peopole who really enjoyed the Navy life not the money you were getting paid. That should be your deciding factor. Then the money will make you feel better about a decision you have already made.