Editor's note: This is the fourth installment of New Year, New You , a weeklong look at your financial health headed into 2025. With many U.S. service members set to pocket their biggest military pay raise since President Ronald Reagan gave some troops a 16.5% increase in 1982, they now face an important choice: They can just spend their raise right away, or they can be disciplined in the way that they manage it. Most service members started collecting 4.5% more in basic pay Jan. 1 and will see