My husband does not want to work!!

I mean, how much of a break can you really give him? No one else gets to retire so early, I don't see why he's all thinking he's special. You have two teenagers, college and all sorts of other shit to worry about. Pension or not, that's supposed to get you guys through when you're older and possibly needing the money more (good health isn't cheap unfortunately, especially as you get older).

If he wants a month or two off after all that service, that's one thing. But he should start looking for employment within a month or two of being back, the longer you go without working the harder it is to find a job, especially if he went into the military straight out of high school and didn't get any additional education.

I hate to sound like the hard-assed conservative here, but you guys have a family to support (and probably a mortgage and lots of other fun expenses) and he can't be sitting on his hands, especially if you're working too and it's still not enough. So what he was doing a hard and dangerous job? You were working full time AND raising a family, and now you're just supposed to do everything? No, it doesn't work like that, he's still got to pull his own weight.