Here is the scheme when a man has got a family the govt. keeps out ½ of your pay every month or more if you want them to and then the govt. sticks the same amt. in with it and sends it to your wife or who ever gets it. Say you are a private and getting about $30.00 per mo. and you tell the govt. to keep out $15.00 of it. So the govt. keeps $15.00 and sticks another $15.00 with it and sends it to your family.