 We did some calculations about what you could lose if you were forced to leave the Navy because of testing positive on a drug test. Let's say you had planned on retiring after a career of 20 years of service at the age of 39. Actuarial tables put life expectancy at 79, so we used that age for the basis of our calculations. We also assumed for the purposes of these calculations that you'd retire as an E7 at age 39. Your exchange and commissary privileges could have saved you an estimated 10% on shopping expenses, or $52,000. Medical insurance savings would average $61,600. The pension from your military retirement would amount to over $1.3 million. That's a loss of a grand total of over $1.4 million during your lifetime. Zero tolerance means zero.