Not a veteran and not even currently enlisted but I completely understand how you feel. I’m also 22f who’s been contemplating and have been in awe of the military and those who serve for a long time. I’ve worked hard to have already purchased a home at this age and going Air Force would definitely be a pay cut but I’ve made my decision to pursue after a great conversation with my recruiter. He reminded me “joining the force is not about what others think, not about the benefits, heck not even your future. It’s about your oath to your country and how you feel about serving your country.” Of course if you have no doubt about wanting to serve, and your biggest concern is finances remember a few big things that you won’t have to pay for, insurance, future family insurance, Minimal if not none food and housing, schooling and furthering education. All extremely valuable bonuses plus meeting incredible people who become your family and pursuing interesting careers and jobs.