I was prior enlisted E-5 promotable and am now an officer O1 in the Army. For you it sounds like pay is #1, pay for enlisted e-3 is 20k a year base, maybe another 10k or so for BAH, COLA, dependent pay, blah blah.... As an O1 I make 5000/month take home after everything. I get a high BAH though for living in Marlyand/DC. As far as what has the better life style they say Air Force, but I have no idea I didn't join for the life style. As far as officer vs enlisted, there is alot more bullshit to deal with on the enlisted side(various duties, room inspections, peer counseling,FORMATIONS FOR EVERYTHING), but there are a lot of entitled, know it all assholes on the officer side that will get on your nerves, pick your poison I guess. Benefits are awesome free health for family,subsidized child care, practically free life insurance(like 10/month), dental, military discounts, GI-BILL for you, child or spouse. Deployments suck, you should really talk to wife about this, what would be easier having you gone w/ nice house benefits etc, vs you home working your way up corporate America and having to eat ramen for awhile? Also you can get a retirement=50% base pay with 20yrs service. That's all I can think of.