In this episode, Omen and Rob welcome their first guest to the foxhole: Brandon Lovingier, Army veteran and creator of “The Enlisted Money Guy.” Together, they tackle the big question: “Is 20 years in the military really worth it?” Brandon shares his personal journey, the financial and emotional ups and downs of military life, and how service members can make empowered career decisions. The conversation blends practical advice, honest reflections, and a few laughs about foxhole etiquette.

📰 This Week’s Headline

FAFSA Opens Early: Omen and Rob discuss the Department of Education’s early release of the FAFSA (Free Application for Federal Student Aid), why it matters for military families, and how recent changes make it easier to apply for college aid. They break down what counts (and doesn’t count) as assets, and share tips for maximizing eligibility—especially for those using GI Bill benefits and state programs.

💡 Key Topics & Takeaways

• Military Retirement: BRS vs. Legacy: Why Brandon would choose the Blended Retirement System (BRS) over the legacy pension, and how continuation pay and TSP matching can boost financial security.
• Calculating the Value of a Pension: How to estimate the lifetime value of military retirement, and why it’s only part of the bigger picture.
• The Human Side of Service: The emotional and family costs of a 20-year career—deployments, relocations, and the impact on spouses and children.
• Mental Health & Leadership: Brandon’s honest account of seeking therapy, overcoming stigma, and how military life shapes resilience and character.
• Financial Empowerment: Why having your finances squared away gives you the freedom to choose your own path—whether that’s staying in, transitioning out, or pursuing new opportunities.
• Decision Framework: Brandon’s “Numbers, Emotions, and Time” approach to making big life and career decisions.

📚 Resources & Links

• CNBC: FAFSA Opens Early
• Home - Enlisted Money
• Brandon Lovingier, ChFC®, MQFP® (@enlistedmoneyguy) • Instagram photos and videos
• Enlisted Money | LinkedIn
• Military OneSource Retirement Calculators
• Connect with Rob
• Connect with Omen

📬 Get In Touch

Have questions or want your topic featured on the show? Email: [email protected] Rob and Omen are accepting new clients and happy to chat about your financial game plan.