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.

You can reach Spencer via email: spencer at militarymoneymanual dot com. Or use the contact form at the bottom of this post.

If you would like my full attention, please schedule a personal consultation with me.

I’m also on Facebook. For media inquiries, please email me. I’ve been featured on a number of sites and media outlets since I started in 2012.

Do you have a military financial story to share, a success story, a tip for the community, or a tale of what not to do? I’d love to publish it on the site! Send me an email or contact me on any of the links above.

Advertising

Looking to reach a US military affiliated, financially literate community that likes unique and innovative investment, financial, and other useful products? Then look no further than the Military Money Manual.

Since inception in April 2012 until August 2016, MMM received 496,000+ pageviews from over 222,000 unique visitors. Each visitor spent an average of 1 minute and 12 seconds on the site and visited 2.13 pages on average.

This is a highly targeted audience of military servicemembers who are probably looking to use your financial products. Please contact me at mmm at militarymoneymanual dot com or use the contact form below if you are interested in advertising on this site or for me to review your product.

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.

5 thoughts on “Contact Me

  • February 13, 2014 at 07:07
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    Good morning:

    We are holding our first partnership with financial expert John Ulzheimer, and the National Foundation for Credit Counseling (NFCC) to host an exclusive event on Google Hangouts. As you are an expert in the field, I am reaching out to you so if you would like to feature a question on the chat. I would love to highlight your blog – and collaborate in any way.

    Please check out the event:http://www.creditcardinsider.com/insider/join-us-google-hangout/, and get back to me with any questions you may have. I am open to discussing this by email or phone, whichever is best for you!

    Let me know! 🙂

    Erin

    Reply
  • April 8, 2014 at 23:13
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    Does Navy Federal Credit Union offer a program similar to the SDP? I’ve heard from other soldiers that their credit unions wherever they’re from offers a similar program but the interest isn’t taxed as much.

    Reply
    • April 9, 2014 at 11:58
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      The SDP is a unique program not offered anywhere else. Navy Federal may have offered some 10% CDs back in the 70s and 80s when interest rates where 10x higher than they are today, but I have heard of no other program that offers a guaranteed 10% return. Also, interest is taxed as interest, no matter where the interest is received from. The SDP does not offer tax free interest, even if you serve in a combat zone. However, because your taxable rate will drop to probably 0% or lower, you may not have to pay any tax on your SDP interest.

      Reply
    • July 14, 2014 at 10:21
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      Many people do not know the specifics of the SDP. Last time I checked, you are eligible after 30 consecutive days in a combat zone OR three consecutive months. You can also put in up to $10K and get 10% on it. You can leave it for 90 days after leaving the combat zone, but if you go back down range, you re-hack your 90 days.

      If you consistently go down range, this is extremely advantageous. Aircrew or similar duties who go down range often can continue to re-hack their 90-day time frame every time they enter a combat zone. If you take your money out, you have to re-qualify to contribute (30 consecutive days or 3 consecutive months), but if you leave your money in the account, you re-hack your interest each time you enter a combat zone. I was able to get 10% interest this way for over three straight years.

      Reply
      • July 27, 2014 at 17:34
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        Thanks for the great summary Mark! Check out my full SDP writeup. I’m actually getting close to hitting my 3 month window and will have to withdraw. But another deployment is right around the corner!

        Reply

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