Retirement reform must be addressed to match the Department of Defense (DOD) with the rest of the world. DOD shows many symptoms of an ailing General Motors. Unyielding management practices, hostility to change, and inattentiveness to financial indicators put the auto giant in an unsustainable condition that jeopardized employees and retirees. Likewise, the military personnel system must reward faithful service while not running the Nation into the ground. Policymakers and Servicemembers need a realistic dialogue on what is expected versus what is possible. Reform has to be based on fiscal reality. A variety of reports and sources show opportunities for involving career Servicemembers more in their own retirement initiatives and for other efficiencies. The Services should seek their own solutions