Congrats on achieving what you have. That is more than most have achieved at that age. You can plan ahead or you can just wing it, but if you plan, you are better able to weather the changes that life will throw your way, because the only real constant in life is change.

As for the MGIB, pay attention to the expiration dates of the benefits, some plans are 10 years after separation, some are 15, who knows what your life will be like farther down the road. And the only way you can transfer benefits to a spouse/children is before you separate/retire if you were to do so, and since you don't have any plans in that direction, it doesn't seem to be currently applicable. Also different plans are usable for different directions, vocational, graduate, apprentice, etc. But you could use those benefits several years later (and not have to work while doing so) as well. Unless the rules change, because they always have, and the current administration is predicting (and promising) drastic change. Regardless, go to the various websites and read the rules for yourself, many times I got "advice from experts" that was completely erroneous. Double check for yourself.

Regardless of IF you decide to stay in or not, I suggest reading Nord's book, it has some good planning advice for anyone in the military.

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