My military 4 year budget/investment plan (need opinions on how i can make it better)

Hello im 23 rn going into the navy as a E2 so i based my whole plan chatgpt gave me around if i stayed as a E2 my entire 4 years (which i wont) so it can be a starting point on how much i should have ATLEAST.

SINGLE BARRACKS LIVING NO REAL BILLS OTHER THAN SMALL SUBSCRIPTIONS

Im not sure how much money ill have after taxes but i assume its going to be about $1,900 a month after tax. My only bills would be phone and soundcloud and youtube subscription and maybe ill buy a car (im going to volunteer to deploy asap if thats even possible so i wont have to worry about buying a car asap.)

With the help of chatgpt im going to explain how i mapped out how im planning on splitting my money/ investing it and i need you guys opinion on it.

While im deployed i want to invest HEAVY into a Roth IRA or Roth TSP (idk which one to pick but Roth IRA seems better as of now) and i want the percentage to be 34% of my check going into that monthy which is $650 a month

I want to grow a taxable brokerage account and use 18% of that which is $350 monthly

Im going to open a HYSA and save 13% of each check which is $250 (not sure who to use yet but i dont think it matters since theyre mostly .5% in difference between them)

This leave me with about $650 a month to live off of and im trying to go to a command that deploys ALOT so i can save money.

I told chatgpt to give me a realistic returns money amount AT LEAST i should have if i follow this faithfully my military career the next 4 years

Roth IRA/ ROTH TSP should bring in 35-38k (planning on taking out the contributions tax free and leave the gains in there)

HYSA should bring me to 13-14k in savings

Taxable brokerage 19k-22k

Which is 67k-74k after my service is done.

Please let me know what you guys think of this, what should change, any tips in general would be helpful as idk shit about finance and i had the urge to have a 1 on 1 convo with chatgpt to help me lock in.

Posted Jan 9, 2026, 12:01 AM UTC

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