It's great to sit down and talk about the military. However, we need to grow mentally, physically, and our assets for the future. Go over what index funds are and why it's important to invest now. If you invest $3K when a child is born for 60 years at 15%, that child would have over $13 million once they turned 60. 

https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator