Military pay is honestly not all that bad for some. I remember, though, being and E4-E5 and really struggling. I still struggle today from time to time. But, if you can deal with some long hours at times, doing stupid work at times, and family separations, it is not all that bad of a job and pay. Do I wish for better pay? OF COURSE! Do I bitch about the pay I currently make? No.
Alot of people come in and look at the great benefit of a military retirement. There is where the problem is. Currently, in Minneapolis, I make about $52,000 with food and housing allowances. Everyone is told you get a 50% retirement after 20 years. There's the catch. I get 50% retirement of my BASE PAY (That would be about 50% of $3000 if I retired today.) Sure I draw it immediately instead of at 62-65 years old, but I've been in a completely different society and way of life for 20 years. For many we have to completely retrain into a new career. And, we come into the civilian job market at 40 years old and starting out at the bottom rung of the ladder for pay. It's a huge culture shock to go from a $50,000/year job with tremendous tax benefits to a $25-$30,000/year job. The other thing too is that if I get out of the military before that 20 years, I have ZERO built up to cash in or reinvest in a retirement plan. It's all or nothing.