USAA - Spring 2014 - (Page 5)

USAA Magazine A Member's Guide to Financial Security In This Section MONEY INVEST AUTO HOME $ MONEY MAKEOVER Coming Home Doñya Smith-Gay plans to adjust to civilian life and a big pay cut. BY ANDREA DOWNING PECK A fter spending nearly eight years on active duty as a mobilized reservist, Doñya Smith-Gay will return to full-time civilian life on a more secure financial footing but with a less certain financial future. Smith-Gay, 44, is assigned to duty in Florida and will return in June to her Houston home to live with her mother and 13-year-old daughter, Shaunna. But returning to civilian life as a middle school assistant principal at half of her military take-home pay will be a major jolt to Smith-Gay's bank account. "I want to make sure I've With a major career change ahead, Doñya Smith-Gay, member since 1995, aims to stay on track for retirement. set myself up for the long term as far as retirement goes," she says. "I'm also in the 'sandwich generation.' Eventually, I may have both my parents under my roof and will be responsible for their care." usaa.com See legal information on page 30. SPRING 2014 USAA Magazine 5 PHOTOGRAPHY BY WYATT MCSPADDEN http://www.usaa.com

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USAA - Spring 2014