Military Money Manual Podcast

Jamie's no longer a "Citi hater" because Citi just changed the game. The new $595 Citi Strata Elite now has automatic annual fee waivers for military—no complex formulas, no statement balance tricks, no emails required. Plus $500 in easy-to-use annual credits and a 100,000 point welcome offer.

Key Benefits Annual Fee Waiver

• $595 fee automatically waived for MLA covered borrowers
• Fee charged on first statement, then automatically refunded same day
• No documentation or emails required
• Works for active duty, Guard/Reserve on 30+ day orders, and military spouses in DEERS
• Authorized user fee also waived
• Check MLA database before applying

$200 Annual Splurge Credit (Unique to This Card)

• Choose from: First Dibs, Best Buy, American Airlines, Fiture, or Live Nation/Ticketmaster
• Easy to switch categories
• Simple for any military family to use

$300 Annual Hotel Credit Points Earning

• 12x on hotels, car rentals, attractions (through cititravel.com)
• 6x on flights (through cititravel.com)
• 6x restaurants during "Citi Nights" (Fri/Sat 6pm-6am Eastern)
• 3x restaurants all other times

Other Benefits

• Four American Airlines Admiral Club passes annually
• Global Entry/TSA PreCheck credit
• No foreign transaction fees
• $200 Black Lane credit (black car service in major cities)
• Extended warranty, purchase protection, trip delay protection
• Good transfer partners such as American Airlines (good for Emirates, Etihad, Cathay Pacific)

Resources & Links Mentioned

• Latest Citi offers: militarymoneymanual.com
• Max Rewards app referral: maxrewards.app.link/jamesl02
• Military Lending Act database info: militarymoneymanual.com/mla-database/
• Instagram: @MilitaryMoneyManual

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Spencer Reese welcomes Lieutenant Commander Webster Felix, a Navy prosthodontist, for an in-depth discussion about maximizing military medicine benefits. Webb's journey from enlisted E6 dental student to O5 prosthodontist showcases the incredible opportunities available in military healthcare. This episode unpacks lesser-known scholarship programs, specialty training funding, loan forgiveness strategies, and GI Bill transfers that enabled Webb and his wife to complete advanced degrees debt-free while building generational wealth for their family.

Lieutenant Commander Webster Felix, USN

• Specialty: Prosthodontist (restorative dentistry expert, full mouth rehabilitations)
• Current Station: Naval Medical Readiness and Training Command (NMRTC) Pearl Harbor, Hawaii
• Career Timeline: 14 years active duty, recently selected for O5
• Education:
  • Bachelor's in Biology, Temple University (2011)
  • DDS, Columbia University College of Dental Medicine (2015)
  • Master's in Dental Education (completed during dental school using GI Bill)
  • Prosthodontics Residency, USC (2021-2024, funded by DUIN)
• Instagram: @prosthopapi - Features clinical cases and prosthodontic work

Personal Background: Son of Haitian immigrants who arrived in the US in 1987; first-generation college graduate demonstrating how military medicine can transform generational wealth trajectories

HSCP vs HPSP - The Scholarship Most People Don't Know About:

• HPSP covers full tuition but you're not active duty during school
• HSCP means active duty status (E6/E7 pay + BAH + TRICARE) but you take loans for tuition
• Webb entered dental school as E6, commissioned directly to O3E in 2015
• Critical advice: Apply for BOTH programs simultaneously

The $500K Student Loan Forgiveness Strategy:

• Graduated Columbia dental school with ~$400-500K in loans
• Enrolled in Public Service Loan Forgiveness (PSLF) immediately
• First payments: $170/month (based on E6 salary)
• Current payments: ~$800/month (O4E salary)
• Hitting 10-year mark in October 2025—expecting full forgiveness
• Must consolidate to federal direct loans or you won't qualify

Duty Under Instruction (DUIN) - Free Specialty Training:

• Navy funded Webb's 3-year USC prosthodontics residency
• Continued receiving full salary, BAH, and bonuses—zero out-of-pocket costs
• FTOS (Full-Time Out-Service) allows civilian residency attendance
• Competitive annual program—check BUMED notices for available slots

Strategic GI Bill Transfers:

• Webb transferred 15 months of GI Bill to his wife
• She completed UCLA nurse practitioner program debt-free
• Still has 15 months remaining for kids' education
• Transfer requires 4-year commitment—sign paperwork strategically

Career Highlights:

• Temple University → Columbia DDS → O3 commission (2015)
• San Diego (AEGD) → Port Hueneme/Okinawa (Seabees, 2 deployments) → Key West → LA (USC residency) → Pearl Harbor
• Wife completed NP degree concurrent with his residency while caring for one-year-old

Key Takeaways

Military Medicine Benefits Add Up Fast:

• TRICARE coverage during school and career
• Active duty time counting toward retirement during education
• PSLF potential for massive loan forgiveness
• Specialty training fully funded (DUIN)
• GI Bill transfers for spouse education
• No pressure to over-treat patients for profit

Civilian vs Military Prosthodontist Pay:

• Civilian side approximately 2X on paper
• But when factoring TRICARE, BAH, pension, education benefits—much closer
• Some civilian practices sacrifice autonomy for high volume/pay
• Military provides genuine patient care without profit motive

Critical Actions:

1. Apply for both HSCP and HPSP if pursuing military medicine
2. Consolidate all student loans to federal direct loans immediately
3. Enroll in PSLF and never miss payments
4. Join Facebook group: "Public Service Loan Forgiveness Program Support" (216K members)
5. Sign GI Bill transfers concurrent with existing obligations

Resources Mentioned

• Kate Horrell's episodes - GI Bill expert (new book: "College Planning for Military Families")
• Dr. Pritish Sahoo episode - Army medicine path MMM Podcast #181
• PSLF Facebook Group - "Public Service Loan Forgiveness Program Support"
• Naval Postgraduate Dental School (Bethesda)
• BUMED annual DUIN notices

Who This Is For

Pre-med/dental students considering military service, active duty members interested in medical careers, medical officers with student debt, anyone pursuing PSLF, families planning GI Bill transfers, or those comparing military vs civilian healthcare compensation.

Spencer Reese, founder of the Military Money Manual, joins Jesse Kramer to discuss the unique financial landscape of military service and the critical transition to post-service life. Spencer separated from the US Air Force in 2022 after 12 years as a pilot and now helps military families reach financial independence through his book, podcast, course, and website.

Host: Jesse Kramer - Financial adviser and host of "Personal Finance for Long-Term Investors"

Guest: Spencer Reese - Former Air Force pilot (12 years active duty), founder of Military Money Manual, author, podcaster

Key Topics Covered

Military-Specific Financial Challenges:

• Lower enlisted income but essential expenses covered (housing, food, healthcare)
• The "lieutenant mobile" trap - buying too much car relative to rank/income
• Transparent pay structure creates unique comparison pressures
• Status games vs. wealth building: Why the cheapest car often belongs to the colonel
• Split around captain rank - some choose optimization, others choose lifestyle inflation

Creating Financial Systems:

• Spencer's personal story: Living paycheck to paycheck early in marriage with $20 every two weeks for discretionary spending
• How his wife forced financial discipline and communication
• The 30-day test: Could your finances run on autopilot for a month?
• Critical for deployments when internet access may be limited
• Automate everything: bills, investments, transfers

Deployment as Financial Opportunity:

• Tax-free pay in combat zones
• Zero housing/food expenses while deployed
• Spouse can potentially reduce expenses (move home, downsize)
• Real example: Service member paid off all auto and student loans in 3 months of deployment
• Life-changing potential of a single 9-12 month deployment if leveraged strategically

Common Behavioral Traps:

• Most military families are "avoiders" - have the will but lack the skills
• Money wasn't discussed at home growing up, never learned the basics
• Two avoiders marry each other and perpetuate the cycle
• The mistake: Thinking low income is the problem when it's actually overspending on cars

Free Military Resources Available:

• Military OneSource - Free financial counseling specific to your situation
• Airman and Family Readiness Center (each branch has equivalent)
• Face-to-face budget help and financial planning on every base
• No excuse not to use these resources
• Success stories: Enlisted millionaires before 20 years, airmen with $100K after 4-year enlistment

Military vs. Civilian Pay Reality:

• Officers hit six figures around captain rank
• Buying too much car is easily a 5-6 figure mistake over time
• When you're making five figures, you can't afford five-figure mistakes
• One good decision (avoiding expensive car) creates massive wealth-building opportunity

The Post-Service Transition Crisis:

• Spencer's story: Left active duty before 20-year retirement, thought side business would be enough
• Financially prepared (large nest egg, near financial independence)
• Completely unprepared for loss of purpose and meaning
• Got depressed for months after separation
• Taking airline job helped initially, but quit after 6 months - still wasn't fulfilling
• The money isn't the hard part - finding purpose is

Purpose and Meaning in Retirement:

• Pre-retirees rank finances as top priority
• 2-10 years into retirement, lifestyle issues become the top concern
• The workplace provided: paycheck (replaceable), purpose (harder to replace), socialization (often overlooked)
• "What's your job when every dollar has a job?"
• Reference to "The Second Mountain" by David Brooks - four callings: vocation, religion/philosophy, community, marriage

Practical Transition Advice:

• TAP (Transition Assistance Program) - Available starting one year before separation
• Spencer's mistake: Only went once, should have gone twice (at one year out AND closer to separation)
• Too much information to absorb in one session
• Free LinkedIn Premium for a year (included)
• Go early to start the mental transition process
• Guard/Reserve option as a "slow transition" - maintain community while easing into civilian life

The "Not Work" Trap:

• Like high school freshman saying "I'll just do not school this summer"
• Many retirees approach retirement as "I'll just do not work"
• Leads to undefined path and potential struggle
• Better to ease into it with preparation and exploration beforehand
• Parallel to being 17-18 and figuring out life path - retirement is another major transition

Key Mindset Shifts:

• The optimizer who runs 10,000 Monte Carlo simulations will be financially fine
• "As long as the US and capitalism exist, you'll be fine"
• Now what? That's the harder question
• It might take 2-3 years to figure out, and that's okay
• Some retirees find they're busier than ever (Mr. Money Mustache model)
• Others stare at the ceiling at 3 AM wondering what they're doing
• Both are normal - give yourself grace and time

Recommended Resources

Books Mentioned:

• "The Five Types of Wealth" by Sahil Bloom - Framework beyond just financial net worth
• "The Second Mountain" by David Brooks - Four callings: vocation, religion, community, marriage

Programs & Resources:

• Military OneSource - militaryonesource.com
• TAP (Transition Assistance Program) - Start attending one year before separation
• Airman and Family Readiness Center (or branch equivalent)
• Guard/Reserve transition option

Spencer's Work:

• Website: MilitaryMoneyManual.com (hub for all content)
• Podcast: Military Money Manual (Spotify, Apple Podcasts - nearly 200 episodes)
• Book: "The Military Money Manual" (Amazon and shop.militarymoneymanual.com)
• Co-hosted with Jamie (still active duty officer)

Jesse's Work:

• Blog: BestInterest.blog (hub, weekly newsletter signup)
• Podcast: Personal Finance for Long-Term Investors
• Episode 106: "Retirees, Mistakes, and Wakeup Calls: Expectations vs Reality"
• Shout out to Fritz Gilbert of The Retirement Manifesto

Key Quotes

"Just wait till next paycheck." - Spencer's mantra when living paycheck to paycheck early in marriage

"Every dollar has a job, but what's your job?" - Jesse on finding purpose beyond financial optimization

"The numbers are going to work. You've run 10,000 Monte Carlo simulations. You're going to be fine. Now what are you going to do?"

"I don't have time to work. My life is so full." - Common sentiment from successful retirees/FIRE achievers

"You're going to be fine, but it's going to take some time. And that's okay."

Who This Episode Is For

• Military service members at any stage (especially those 5-10 years from separation/retirement)
• Veterans who've already transitioned (validation that post-service struggles are normal)
• Civilians planning traditional retirement (lessons apply universally)
• Financial optimizers who need reminder that life is more than spreadsheets
• Anyone supporting military family members
• People struggling with purpose and meaning in life transitions

This episode provides a rare honest look at the emotional and psychological challenges of leaving military service, even when financially prepared. While focused on military transitions, the lessons about purpose, meaning, and life beyond work apply to anyone facing retirement or major life changes.

Originally aired as Episode 117 of Personal Finance for Long-Term Investors. Listen to the full episode on Jesse's podcast feed.

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Travel Planning with Points & Miles

Join Spencer Reese and Jamie as they dive deep into the tactical strategies for planning and booking travel using credit card points and miles. This comprehensive guide walks through the entire process from initial flight searches to hotel bookings, with a focus on maximizing value while avoiding common pitfalls.

Topics Covered

Flight Booking Strategies:

• How to prioritize travel goals (destination, dates, airline, class of service)
• Finding direct flight routes and connections
• Searching for award availability across multiple loyalty programs
• Setting up price and availability alerts
• The importance of booking directly with airlines
• Avoiding third-party booking sites and potential complications
• Understanding partner airlines and fifth freedom routes

Hotel Booking:

• Searching for hotel availability with points
• Using free night certificates effectively
• Maximizing Amex Fine Hotels & Resorts (FHR) benefits
• Fifth night free promotions
• When to choose hotels vs. short-term rentals

Advanced Tips:

• Transfer partner bonuses and timing
• Combining points between household members
• Seat selection strategies for different aircraft types
• Using expert booking services (when they're worth it)
• Setting realistic expectations for award availability

Resources & Links Mentioned

Free Flight Search Tools:

• Google Flights
• Flight Connections - Route mapping
• Points Path (Chrome extension) - Points comparison on Google Flights

Points Search Platforms:

• PointsYeah.com - Search 22+ loyalty programs (paid version recommended)
• Point.me / Amex.Point.me - Transfer partner search
• Seats.aero - Award availability search (paid)
• ExpertFlyer.com - Seat maps and availability (paid)

Hotel Tools:

• MaxFHR.com - Fine Hotels & Resorts property search
• HigherAspire.com - Hilton Aspire credit usage
• Booking.com - General hotel search
• Hilton.com, Marriott.com, Hyatt.com - Direct hotel searches

Other Resources:

• SeatGuru - Aircraft seat maps and reviews
• Airbnb & VRBO - Alternative accommodations

Credit Cards Discussed:

• Chase Sapphire Reserve
• American Express Platinum Card
• Delta SkyMiles Reserve (Amex)
• Bilt Credit Card
• Hilton Honors Aspire (Amex)

Key Takeaways

1. Don't let points optimization ruin the vacation - Balance maximizing value with maintaining trip enjoyment and minimizing planning stress
2. Book directly when possible - Avoid third-party sites to ensure better customer service and easier modifications
3. Be flexible - More flexibility with dates, airports, and airlines leads to better redemptions
4. Start searching 6-9 months out - Award availability is typically best well in advance
5. Check for transfer bonuses - Can increase point value by 20-30% or more
6. Set up alerts - For both cash prices and award availability to catch deals
7. Budget for tools if needed - Some paid subscriptions may be worth it for major trips

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Updates available on militarymoneymanual.com/shutdown

• Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible.
• Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available
• Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here.
• Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month
• USAA Government Shutdown Program 0% loan, credit check required, up to $6,000
• Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000
• PenFed
• Service Credit Union

Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families.

Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams.

While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors.

Topics Covered

Government Shutdown Basics:

• Active duty military deemed mission essential, must continue reporting to work
• October 1st paycheck protected (work performed in September)
• October 15th paycheck at risk
• Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days
• Backpay is guaranteed by law once shutdown ends
• Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources)

USAA Government Shutdown Assistance Program:

• https://www.usaa.com/support/government-shutdown-program/
• Zero-interest loan: $500-$6,000 based on last direct deposit amount
• Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required
• Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days)
• Additional relief:
  • Auto/property insurance payment relief
  • Credit cards: 3-month payment extension
  • Consumer loans: 2-month extension with no interest
  • Overdraft fees waived
  • Home equity lines: 3-month payment extension

Navy Federal Paycheck Assistance Program:

• https://www.navyfederal.org/about/government-shutdown.html
• Zero-interest loan: $250-$6,000 based on last direct deposit
• Major advantages: No credit check, not reported to credit bureaus
• Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA)
• Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately)
• Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount
• Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt

Service Credit Union Options:

• 0% APR for up to 4 months
• No payments for up to 90 days
• Up to $5,000 for qualifying members
• Standard underwriting criteria applies (may require credit check)

Military Aid Societies (All Interest-Free):

• Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible.
• Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available
• Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here.
• Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month

Historical Context:

• 2011: Near shutdown (averted)
• 2013: 16-day shutdown
• 2018: 3-day shutdown
• 2018-2019: 35-day shutdown (Coast Guard NOT paid)
• Bipartisan political theater regardless of which party controls Congress
• Military pay typically protected by last-minute "Pay Our Troops Act"

Immediate Action Steps

1. Reduce non-essential expenses - No big purchases or travel bookings
2. Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards
3. Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed
4. Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt
5. Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls

Long-Term Action Steps

1. Build an emergency fund - Minimum $1,000, ideally $10,000+
2. Switch to military-friendly bank - If current bank doesn't offer shutdown assistance
3. Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency
4. Turn off the news - Constant updates increase anxiety without adding value
5. Focus on what you can control - Maintain internal locus of control

Critical Security Warnings

Scam Prevention:

• Only access programs through official websites: USAA.com and NavyFederal.org
• DO NOT use payday lenders or auto title loan companies
• DO NOT go through intermediaries
• If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website
• Verify all communications independently

Key Takeaways

1. Don't panic - This has happened before and will likely happen again
2. You will be backpaid - Military pay typically protected; backpay is guaranteed by law
3. Assistance is available - Multiple 0% loan options and interest-free aid society loans
4. Use this as motivation - Build financial resilience and emergency funds
5. Emergency funds are essential - Perfect example of why military members need cash reserves

Related Episodes

• Episode 95: Previous government shutdown episode (check for still-relevant information)

Resources & Links

Military-Friendly Banks:

• USAA.com - Government shutdown assistance
• NavyFederal.org - Paycheck assistance program
• Service Credit Union - Shutdown loan program

Military Aid Societies (Interest-Free Loans):

• Air Force Aid Society - Covers Air Force and Space Force
• Navy Marine Corps Relief Society - Quick assist loans
• Army Emergency Relief - Same-day to 48-hour assistance
• Coast Guard Mutual Assistance - Quick loan program

Apply for Assistance:

• Register with Navy Federal by day before payday for funds on schedule
• USAA requires credit approval (new requirement)
• Aid societies offer interest-free alternatives to commercial loans

Who This Episode Is For

• Active duty military facing potential missed paychecks
• Federal employees impacted by shutdown
• Federal contractors paid directly by government
• Military spouses managing finances during shutdown
• Anyone needing immediate financial assistance during government disruptions

Contact Information

Host: Spencer Reese

Connect:

• Website: MilitaryMoneyManual.com
• Instagram: @MilitaryMoneyManual

Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown.

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Spencer Reese and Jamie deliver a no-nonsense, tough-love episode for military families struggling with paycheck-to-paycheck living. This episode cuts through excuses and provides three immediate, actionable steps to regain control of your finances and stop the financial bleeding. If you're stressed about money, fighting with your spouse about finances, or feeling overwhelmed and behind—this episode is your emergency action procedure.

Topics Covered

Three Immediate Actions:

1. Delete Social Media Apps - Remove the influence of billions of advertising dollars designed to manipulate your spending decisions
2. Create Intentional Inconvenience - Delete delivery apps (DoorDash, Uber Eats), switch to debit cards or cash, freeze credit cards, eliminate "buy now, pay later" options
3. Cancel All Subscriptions - Cut Netflix, Disney+, Amazon Prime, Spotify, and every other recurring charge until you're financially stable

Key Financial Concepts:

• Emergency action procedures for financial crises
• The power of adding friction to spending habits - will power vs. won't power
• Why making life temporarily uncomfortable leads to long-term wealth
• Technology spending (why kids don't need $1,600 iPhones)
• The importance of game selection in personal finance
• Emergency funds turning emergencies into inconveniences
• Net worth tracking as a behavioral tool

The Wealth Ladder Framework (Nick Maggiulli):

• Level 1: Less than $10,000 net worth - Focus on avoiding financial traps
• Level 2: $10,000-$100,000 - Avoid buying houses you can't afford, keep working hard, invest in TSP and Roth IRA
• Level 3: $100,000-$1 million - Where compound growth accelerates
• Level 4: $1 million-$10 million - Achievable for military families over a career
• Levels 5-6: $10 million+ - Beyond most military aspirations

Common Military Family Mistakes:

• Spending more on housing than BAH covers
• Buying houses with 0% down and getting stuck
• Purchasing vehicles beyond their means
• Lifestyle inflation and comparison spending
• Technology overspending on devices and subscriptions

Long-term vs Short-term Strategy:

• Short-term (Emergency Mode): Cut expenses, save the difference, get out of debt
• Long-term (Wealth Building): Increase income, spend on what matters, maintain healthy savings rate

Books & Resources Mentioned

Books:

• The Comfort Crisis by Michael Easter - On the benefits of doing hard things
• The Opt-Out Family - On intentional family living
• Taking Your Family Back - Family relationship guidance
• The Anxious Generation - On technology's impact on children
• Dave Ramsey's principles (referenced)

Tools & Resources:

• Libby app - Free audiobooks and ebooks
• MWR library system - Free military library access
• Net worth tracking tools
• Cash envelope system for budgeting
• Military OneSource - Free financial counseling
• Base financial counseling services

Concepts Referenced:

• Nick Maggiulli Wealth Ladder framework
• Dave Ramsey's "pay yourself first" principle
• Emergency fund philosophy
• The 12-step program approach to financial recovery

Key Quotes

"Life begins just outside your comfort zone."

"You have to be careful about game selection because you can win at the wrong game."

"If you're the problem, you're also the solution."

"As you build wealth, you stop having emergencies."

"Your overspending isn't hurting me. It's not hurting Jamie. It's only hurting you and your loved ones."

"You don't need to wait for financial independence to start living like you're financially independent."

Practical Examples Shared

• Spencer's story: Freezing credit card in ice as a young lieutenant
• Jamie's debit card sleeve with debt payoff reminders
• The $1,000 emergency oil pan repair that didn't derail finances
• Military families spending $3,000 on housing with $2,000 BAH
• Hawaii homeowner unable to sell due to rising HOA fees
• 2022 home purchase with 0% down, now unable to sell
• Peloton subscription cancellation saving $132 over 3 months
• First graders with iPhones creating peer pressure

Target Audience

This episode is specifically for:

• Military families living paycheck to paycheck
• Service members stressed about money
• Couples fighting about finances
• Anyone in credit card debt or feeling financially overwhelmed
• Military spouses managing finances during deployments
• Young service members (E1-E5, O1-O3) establishing financial foundations
• Anyone ready to make radical changes to their financial situation

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Think military divorce means automatically splitting everythign 50/50 and going to court? Wrong on both counts! Certified Divorce Financial Anaylst David Smith reveals what most military families get wrong and what it costs them!

In today's episode, we'll discuss the complex financial and logistical aspects of military divorce, covering everything from pension division to healthcare benefits, tax implications, and emotional support strategies.

Key Topics Jurisdiction & Legal Considerations

• Multiple state options for filing (voting state, property ownership state, driver's license state, tax filing state)
• Importance of consulting with an attorney early to determine proper jurisdiction
• Each state has different rules, formulas, and processes
• JAG office can provide consultation but cannot represent service members in divorce proceedings

Types of Divorce Processes

• Four main options: DIY without professionals, mediation, collaborative divorce, litigation
• Court is NOT the only option
• Out-of-court processes (mediation, collaborative) are often more cost-effective, private, and less stressful
• Consulting attorneys vs. representing attorneys - different roles and costs

Military Pension Division

• Division is not the only option - can use offsetting with other assets
• Must determine what portion is "marital" vs. "separate" property
• Not all pension components are divisible (e.g., VA disability)
• Requires a Military Retirement Pay Division Order through DFAS
• Differences between active duty, reservist, and guard member pensions

Survivor Benefit Plan (SBP)

• Critical considerations:
  • Only ONE SBP beneficiary can be named
  • Previous spouses from earlier marriages may already occupy the "SBP chair"
  • Premium costs must be negotiated
  • Former spouse can be SBP beneficiary even without receiving pension payments
  • Time-sensitive: Required forms must be submitted within specific timeframe or rights are lost
  • Cannot be automatically transferred - requires proper paperwork

TRICARE Benefits

• Courts CANNOT order TRICARE coverage - falls under federal rules
• Key rules: 20-20-20 (full benefits for life), 20-20-15 (transitional benefits)
• Based on: length of marriage, service member's creditable years, overlap period
• COBRA-like option available if don't meet other rules

GI Bill Transfer

• Must be transferred WHILE married - cannot go to former spouse after divorce
• Service member can rescind the transfer
• Can be transferred to children as alternative
• Settlement agreement language is critical to protect this benefit

Thrift Savings Plan (TSP)

• Multiple TSPs possible (civilian federal employee spouse, reservist who went active duty)
• Pre-tax and Roth portions have different tax consequences
• Must account for outstanding loans
• Requires Retirement Benefits Court Order (different from pension division order)
• Not always split - can use offset method with other assets

Other Unique Military Assets to Consider

• Military leave - has monetary value on LES
• Credit card points and miles - can be worth $30,000-$40,000
• USAA Subscriber Savings Account
• Pets - especially valuable show animals
• Life insurance policies

Tax Implications

• Filing status changes
• Tax bracket shifts
• Capital gains considerations when dividing assets
• Pre-tax accounts (traditional IRA, 401k) vs. post-tax accounts have different real values
• Child tax credits and claiming dependents
• Early withdrawal penalties

Marital vs. Separate Property

• Separate property: assets brought into marriage, inheritances, gifts (if kept separate and not commingled)
• Marital property: everything accumulated during marriage
• Characterization process is essential before division discussions

Financial Mistakes to Avoid

• Making verbal agreements before completing full financial inventory
• Not understanding tax consequences of asset division
• Overlooking hidden assets (leave balance, points/miles, etc.)
• Rushing decisions - most divorce decisions have no do-overs
• Not considering pre-tax vs. post-tax asset values
• Misclassifying assets as marital or separate

Practical First Steps

1. Learn about all four divorce process options
2. If abuse is present, seek legal counsel immediately
3. Open credit card and bank account in your own name
4. Create timeline of important dates and duty stations
5. Gather supporting documents (tax returns, bank statements) in cloud storage
6. Document account numbers, login credentials, passwords
7. Consider consulting with CDFA before hiring representing attorney

Supporting Someone Through Divorce

• Listen deeply and empathetically
• Avoid projecting your own divorce experience onto theirs
• Don't rush them into decisions
• Offer practical help (childcare, meals, house cleaning)
• Point them to resources (counselors, family services, professionals)
• Give them breathing room

Key Takeaways

• Divorce in the military involves unique complexities beyond civilian divorces
• Court is not the only option - consider mediation or collaborative processes
• Complete financial inventory BEFORE making division decisions
• Everything accumulated during marriage is generally marital property
• Professional guidance (CDFA, attorney consultation) is an investment, not just a cost
• Most divorce decisions are final with no do-overs - take time to understand options

Resources & Links

• David's website: sandoakdivorcesolutions.com
  • Free 30-minute phone consultations available
• David's LinkedIn: linkedin.com/in/davidsmithcdfa/
• Find a CDFA through Institute for Divorce Financial Analysts: institutedfa.com

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Dont' fall for these traps! This "convenient" payment option could be sabotaging your financial future and even your security clearance!

Military financial expert Lacey Langford returns to sound the alarm on what she calls "the new payday loan," Buy Now, Pay Later (BNPL) services. With over $170 billion in BNPL transactions this year and 91.5 million Americans using these services, this seemingly innocent payment option is creating a financial minefield for military families.

Main Topics Covered:

• What Buy Now, Pay Later really is
• The psychology behind BNPL - how it removes the "pain" of spending and makes overspending dangerously easy
• Hidden dangers for military families:
  • Multiple small debts that are impossible to track
  • Late fees and additional charges that can turn a $5 purchase into a $35 expense
  • Potential impact on security clearances as reporting to credit bureaus increases
  • Marriage and relationship stress from hidden debt
• The trap of "death by a thousand cuts" - why small payments add up to big problems
• How BNPL differs from traditional credit - and why it's actually worse in many ways
• Recovery strategies for those already caught in the BNPL web
• Why layaway was better - and how its disappearance pushed consumers toward dangerous alternatives

Resources & Links:

• Lacey Langford's website: Milmo.co
• Podcast: The Milmo Show (available on Apple, Spotify, and all podcast platforms)
• Conference: MilMoneyCon: milmoneycon.com
  • UPDATE! Dates are announced now! May 6-8, 2026 in Savannah, GA
• Social Media: @Milmo (all platforms) or @MilMoneyCon
• Military financial counseling: Available free through base aid societies and Military OneSource

If you're already using BNPL services, don't panic - but do take action. This episode provides a clear roadmap for getting back on track before small conveniences become big problems.

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

New benefits are available immediately as of 9/18/25!!

Learn how to apply for the The Platinum Card® from American Express: https://militarymoneymanual.com/amex-platinum-military/

Learn more about American Express military annual fee waivers: https://militarymoneymanual.com/american-express-military/

Learn how to maximize your military credit card benefits in the Ultimate Military Credit Cards Course: https://militarymoneymanual.com/umc3/

Episode Description

Hosts Spencer Reese and Jamie discuss the major refresh of the American Express Platinum card, including a significant annual fee increase to $895 that military service members and spouses don't have to pay thanks to the Military Lending Act (MLA). They break down the extensive new benefits and explain how to maximize value from this popular military credit card.

Topics Covered:

New Benefits & Credits (2025 Refresh) (AVAILABLE NOW!!!!)

• $600 Fine Hotels & Resorts credit ($300 semi-annually)
• $400 Resy restaurant credit ($100 quarterly)
• $300 Lululemon credit ($75 quarterly)
• $300 Digital Entertainment credit ($25 monthly)
• $200 Oura Ring credit (annual)
• $120 Uber One membership credit (annual)
• Leading Hotels of the World (LHW) Sterling Status

Existing Benefits

• $200 Uber Cash ($15/month, $35 in December)
• $209 Clear Plus credit
• $200 airline fee credit
• $155 Walmart Plus credit
• $100 Saks credit ($50 semi-annually)
• $300 Equinox credit
• 5X points on flights and prepaid hotels
• Hilton Gold and Marriott Gold status
• Global Entry/TSA PreCheck credit

Military Lending Act (MLA) Coverage

• Automatic fee waiver for active duty service members
• Coverage for military spouses
• Guard/Reserve on 30+ day orders eligible
• How to check MLA database before applying: https://militarymoneymanual.com/mla-database/

Welcome Bonus & Value

• 175,000 Membership Rewards points after $8,000 spend in 6 months
• Cash value: $1,750-$1,925
• Travel partner transfer potential: $3,500+
• 25%+ effective cash back rate

Resources & Links Mentioned:

• Ultimate Military Credit Cards Course: militarymoneymanual.com/UMC3 (100% free, 5-day email course)
• Fine Hotels & Resorts Search: maxfhr.com
• Points Valuation: points.yeah (travel redemption research)
• MLA Database: Google "Military Lending Act database" to verify coverage
• American Express Website: americanexpress.com (for enrollment in benefits)
• Resy App: Restaurant reservations that trigger the quarterly credit

Key Takeaways:

• Total annual benefits exceed $2,500 in cash value
• Multiple Amex Platinum cards multiply benefits (spouse can get their own)
• Must enroll in many benefits through Amex app/website
• Check quarterly vs. semi-annual vs. annual benefit periods
• Verify MLA database status BEFORE applying
• Consider pairing with Chase Sapphire Reserve for maximum value

Important Reminders:

• Only for those who pay off credit cards monthly (no debt)
• $8,000 minimum spend may be challenging for junior enlisted
• Benefits require enrollment - don't assume automatic activation
• Military spouses must be properly listed in DEERS
• Some benefits (Uber Cash) only work in the U.S.

About the Hosts:

Spencer - Creator of MilitaryMoneyManual.com and the Ultimate Military Credit Cards course

Jamie - Co-host and military finance expert

Contact & Social:

• Website: MilitaryMoneyManual.com
• Instagram: @militarymoneymanual
• For questions: Send DM on Instagram

Episode Notes:

Recording discusses the 2025 refresh of the American Express Platinum card. The hosts emphasize this is only for service members who can responsibly manage credit cards and pay balances in full monthly. They recommend both the Amex Platinum and Chase Sapphire Reserve as the two essential cards for military families who qualify for MLA fee waivers.

For detailed analysis and current offers, visit MilitaryMoneyManual.com or search "Amex Platinum Military" for Spencer's comprehensive guides.

Military Money Mentor

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

"Rising tides lift all ships!"

MilMoneyCon 2026 dates just released! May 26-28, 2026 in Savannah, GA. See https://milmoneycon.com/register/

The military finance community doesn't have to operate in silos. Through strategic networking and mentorship, veterans and military spouses can accelerate their finance careers while building a supportive ecosystem that lifts everyone up.

In this episode, we sit down with Lacey Langford, founder of MilMoneyCon and host of The Milmo Show, to explore how she transformed her frustration with career-building challenges into the premier conference for military financial professionals.

Key Topics Covered:

Military Background and Career Transition

• The mentorship gap that veterans face when entering civilian finance careers
• Why starting from "ground zero" shouldn't be necessary for experienced service members

Why She Created MilMoneyCon

• Identifying duplication of efforts in the military finance space
• Connecting innovators who didn't know about each other's work
• Bridging the gap between DOD resources and community awareness
• Learning curve of event planning without prior experience

Target Audience and Conference Value

• Active duty members considering finance careers post-service
• Military spouses entering the financial field
• Seasoned professionals seeking networking and growth opportunities
• Supporting businesses and organizations serving the military community

Entrepreneurship Tips for Military Families

• PCS-proof career strategies and remote work opportunities
• Portable skills
• Leveraging unique military spouse skill sets for online services
• The reality check: every business owner is in sales and marketing

Common Entrepreneurial Pitfalls

• Underestimating the sales and marketing requirements
• Creating products without validating market demand
• Failing to identify what sets you apart from competitors
• Not understanding the value proposition clearly

Resources and Links:

• MilMoneyCon: milmoneycon.com
• Lacey's Website: milmo.co
• The Milmo Show Podcast: Available on all podcast platforms or milmo.co/podcast/
• Kate Horrell's Book: KateHorrell.com/books
• MilMoneyCon: @milmoneycon
• Lacey's LinkedIn: linkedin.com/in/laceylangford
• The Milmo Show: @itsmilmo

Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

• https://militarymoneymanual.com/amex-platinum-military/

• https://militarymoneymanual.com/chase-sapphire-reserve-military/

Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.