The military retirement Survivor Benefit Plan or SBP. No other retirement topic seems to elicit more hand-wringing or staunch heel-digging than the SBP decision every retiree is forced to make just a few months prior to retirement.  Usually, the story as to why someone might elect out of SBP goes something like this...

"What should I do with my money?" If you’ve ever had surplus money lingering in your checking/savings account or unspent surplus income piling up, this question might feel familiar to you. If so, you’re in good company. You probably won’t be shocked to hear that wondering where to save and invest money, is a really common question.