The United States Army Old Guard Fife and Drum Corps march during a full military honors parade to welcome visiting South Korean President Park Geun-hye, Thursday, Oct. 15, 2015, at the Pentagon. (Photo: AP)

Under the new military retirement system just approved by Congress, service members will have to make a choice few of them are prepared for: Whether to take traditional pension checks or opt for a lump sum that’s worth up to half of what the pension benefit would bring.

Military members are known for devotion to duty. But service members in many areas depend not just on their military pay but on food stamps and other outside sources of income to make ends meet.

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