While serving in the military has many benefits, one that stands out in my mind is the lack of reality. Service members, especially those who spend the 20 years or more to reach a normal retirement requirement, tend to miss out on developing key ‘life skills’ that are needed to navigate the civilian world. Skills like advocating for your health during a doctors appointment or negotiating pay at a new job or even determining which health insurance is the best for your needs are not exercised or even learned.
A Very Sharp Sword
The military provides a structured, predictable environment that can feel both safe and comforting. Housing is assigned, healthcare is handled, pay is consistent, and meals are often readily available. This system allows service members to focus on the mission at hand without the burden of everyday life logistics. However, this level of support can be a double-edged sword. While it simplifies life during service, it can leave veterans feeling unprepared for their responsibilities as civilians. Managing health insurance, renting a home, or even budgeting for utilities—tasks civilians often take for granted—can feel overwhelming after years in a system that took care of those needs.
Life Skills Veterans Need After Service
Here are 10 skills that service members should research and learn prior to separating from the military.
1. Navigating Health Insurance
In the military, healthcare is provided, but civilians are responsible for managing their own. It’s important to know how to navigate your options by enrolling in health insurance through the VA, your employer, or the marketplace. Understanding key terms such as premiums, deductibles, co-pays, and out-of-pocket maximums will help you make informed decisions. Be sure to explore options for dental, vision, and family coverage to ensure you’re fully covered for all your healthcare needs.
2. Renting or Buying a Home
Military housing is usually straightforward, but renting or buying a home requires a bit more attention to detail. It’s important to understand how credit scores impact your housing options and to research key aspects like leases, deposits, renters’ insurance, and landlord rights. If you’re looking to buy property, explore the benefits of using VA home loans and familiarize yourself with mortgage terms to make the process easier.
3. Financial Literacy and Budgeting
While military pay is steady, civilian finances can fluctuate. Key skills include creating a monthly budget that accounts for income, bills, and discretionary spending. Managing credit cards, avoiding debt, and improving credit scores are also essential. Additionally, understanding taxes—such as income tax, filing status, and deductions—is crucial for financial success.
4. Navigating VA Benefits
VA benefits can be overwhelming, but they are essential for veterans. Learn how to apply for disability compensation, healthcare, and GI Bill benefits. Utilize services like vocational rehabilitation and VA loans, and access mental health support through VA programs or nonprofits to ensure you’re making the most of your benefits.
5. Job Searching and Civilian Employment
Job searching goes beyond crafting a resume. Learn how to use platforms like ClearanceJobs.com to search for jobs and build professional connections. Understanding how to negotiate salaries, benefits, and job offers is key, as well as researching unemployment benefits in case of a job gap.
6. Understanding Utilities and Bills
Setting up and managing utilities like electricity, water, and internet involves learning how to establish accounts and make payments on time. It’s important to compare service providers to ensure you’re getting the best rates, and understanding how late fees or missed payments can affect your credit score.
7. Meal Planning and Cooking
While military dining facilities are convenient, civilians need to plan meals and shop for groceries. Learn how to cook simple, healthy meals on a budget, plan weekly grocery lists to avoid overspending, and explore meal prepping to save time and money.
8. Finding a Doctor and Managing Health Appointments
Without military medical systems, you’ll need to find a primary care doctor, dentist, and specialists through VA or civilian networks. Understand how to book appointments and track medical records, and familiarize yourself with emergency care options and urgent care centers.
9. Transportation and Vehicle Ownership
Outside military bases, managing transportation involves learning how to buy or lease a car and understanding auto loans. Budget for car insurance, maintenance, and registration fees, and explore public transportation or carpool options to save money.
10. Building a Personal Support Network
In the military, community and camaraderie are built-in. As a civilian, seek out veteran organizations, local meet-ups, or nonprofits like Team RWB or Shred the Stress to build friendships and professional relationships. Understand the importance of seeking help when needed, whether through mental health resources or financial counseling.
Transitioning out of the military means stepping into a world where you’re responsible for handling every aspect of your life, often for the first time. A lot of these skills, or lack thereof, were a rude awakening for me as I transitioned out of service. While this may seem daunting, it’s also an opportunity to build independence and resilience. By recognizing these gaps and tackling them head-on, service members can approach their next chapter with confidence.
