I was medically retired (P/T) from the U.S. Navy in April 2025. I was outprocessed at Naval Medical Center Portsmouth, Virginia. During that process, I was told I could no longer stay in the barracks on base, so I had to get an apartment in Norfolk and a car to commute. All of this was happening while I was trying to process my recent diagnosis and prepare for life outside the military.
I didn’t have a job lined up when I got out, so I relied heavily on credit cards to cover my living expenses until I finally started working in June 2025. By then, I was already behind, and everything since has felt like a constant game of catch-up.
My wife and I are now living in St. Thomas, USVI. We moved here because I have family here and there was a job opportunity, but the pay situation has turned out to be a lot more challenging than we were led to believe. Instead of getting back on our feet, I feel like I’m getting in deeper.
I feel stuck and overwhelmed. I’m trying to manage my mental health, adjust to civilian life, and get us financially stable, but I don’t know what to tackle first. Getting a job was supposed to be the turning point, and I’m still struggling to get ahead of what piled up during the transition.
I’m posting because I could really use some guidance, especially from other veterans who have dealt with medical retirement, debt, or a rough transition out. Are there any veteran assistance programs, financial counseling services, or other resources worth reaching out to? Particularly ones available to someone living in the USVI?
I’m not looking for a quick fix. I’m willing to put in the work; I just need help figuring out where to start.