After the TSP, I invest my money in Betterment and Vanguard. I track all of my investments with Personal Capital. I also wrote a short, 2 hour book called The Intelligent Military Investor summarizing this site. You can buy it here.

I started this website in 2012, while bored in a long training pipeline in the heartland of America. Inspired by other personal finance blogs and websites, I seek to bring an active duty military perspective to the investing and financial independence world.

Unlike many financial websites out there, I have no corporate overlords. This site is owned and operated solely by me, Spencer, a captain in the US Air Force. I try to always give advice that I have used myself to increase my net worth or happiness. However, my lawyer advises me that I must state that MilitaryMoneyManual.com is for informational purposes only. This website does not provide legal, financial, accounting or tax advice. Rates and terms set on third-party websites are subject to change without notice.

In accordance with FTC guidelines, you should assume that I have a financial relationship with all merchants and companies mentioned on my site. I do not control what appears in the Google Adsense advertising, this is based on the content of the site, your browsing history, and what Google thinks the most relevant ad would be. Install Ad-Block Plus if they annoy you.

Affiliate Advertising

Any outbound link on Military Money Manual to another website may be an affiliate link. If a visitor clicks that link and a sale or sign up is generated for the merchant, I may be compensated if certain conditions are met. I only write reviews and include affiliate links about products I personally use, trust, and like. If I can’t personally talk about a product, I will either sign up for it and try it out or I will include an non-affiliate link.

I only provide affiliate links for products I believe will help servicemembers achieve financial independence faster. For instance, you will never see a payday loan link on my site, even though the commissions for these links are extremely high. I can still maintain my integrity and make a bit of money of this site.

Many of the products I recommend (TSP, Vanguard) do not have affiliate programs but I still recommend them ahead of affiliated programs.

All content on this site is provided for free and written either by me or by a guest writer I have personally invited to write. I have worked for thousands of hours on this site and received little in compensation for the site based on an hourly rate. I try to be open and honest about any potential conflicts of interest. Ultimately only you can decide if you trust my recommendations.

I hope you find the content useful. If you would like to advertise on my site, please contact me.

2 Websites I Use to Achieve Financial Independence

The best way I know to achieve financial independence is to keep your investments simple, diversified, automatic, and low-cost. Costs eat into your returns like you wouldn't believe! A 1% difference in expense ratios can mean $100,000s lost to fees over a lifetime of investing.

Even if you're a DIY (do-it-yourself) investor like I am, you need to check out Betterment. You can read my full review here, but the bottom line is for only $250 per $100,000 invested (0.25% expense ratio) you get simple, diversified, and automated investing. In addition every account now gets free Tax Loss Harvesting+ features, which should increase returns for the average investor more than the minuscule management fee.

If you're not a DIY investor or are just getting started with investing, then you definitely need to check out Betterment. It's what I recommend to my family and friends who aren't strong investors or don't care to learn about asset allocations, diversification, or rebalancing.

I have investment accounts all over the place. To keep track of all of them in one place I use Personal Capital. It combines all of my accounts, shows me where I may be overpaying in fees, and provides beautiful charts showing my overall asset allocation and performance.

I use Personal Capital to track my Roth and Traditional TSP, Vanguard IRAs, banking accounts, SDP, and my Betterment taxable account, all in one place. It's free, secure and presents me with a one-stop dashboard so I can see all my money on one site.

Read my full review of Personal Capital and see how easy it can be to manage your investments in one place. Trust me, once you try it, you'll love it.

P.S. - If you have over $100,000 of assets and a 401k, you really need to run the Personal Capital 401k Fee Analyzer.