OP, if you are concerned your insurance will double in cost, then you can't afford the GTR. Combine the ages of the people who already posted and collectively it is probably over 500 years of experience talking. Do like the others say and payoff what bills you have and SAVE/INVEST the rest. Max out your TSP and get an IRA.
Understand that - People who are "well off" got that way by making good decisions.
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