Not easy. Did 12 years AD. Been working for the DOD since. All my Civilians are ex military and if it was not for the fact that they are disabled/retired they would be looking at a 50% pay cut overall. After health ins, life ins and retirement I take home $1450 every two weeks as a GS-10 with over 21 years in CS. Our health ins is over $600 per month and the co-pays are up there.