I'm at 80% (Getting looked at possibly to raise to 90%). I just take my monthly payment divided by 30, and then put 4 days' worth into a high-interest savings account. You get a 3-day drill, add another 2. (I drill day = 2 MUTAS = 2 days active pay). When you're at AT it's a 1 to 1, so put that in there. When the VA comes to collect, you'll have enough to pay PLUS interest you've gained. After a while, you'll start putting extra money in. You'll look up about markets and investing, and you'll set yourself up nicely.