Prior enlisted seem to make the best officers, from what I've seen in my 5 years in. Prior enlisted officers won't make it past O5/6 range though, most of your O6+s are Academy grads.
TallBill, if you manage the funds in your TSP at the website, it can be very effective. I made the mistake of putting everything in the safe G Fund for years though, unfortunately. You are right about it being great for people who are bad with money though, but then again, most airman coming in right out of high school are pretty bad with money.