I earned my financial freedom in the military. You can too. Let me show you how.

Hey, I'm Spencer. I'm an Air Force veteran who achieved financial independence by age 35.

I wrote the book on how to achieve financial independence in the military:

The Military Money Manual:
A Practical Guide to Financial Freedom

The Military Money Manual hardcover book

This is the book I wish someone had handed me on my first day in the military. Don't make the same mistakes I did on the road to financial independence!

You can achieve FI in the military. This is the book that shows you how. Available as an ebook, hard cover, or audiobook.

I host the Military Money Manual Podcast and teach the Ultimate Military Credit Cards Course.

My wife and I used credit cards to earn $10,000s in free airfare, hotels, and travel. We paid no annual fees, thanks to my active duty military status.

I started the Ultimate Military Credit Cards Course to help military servicemembers and military spouses find the best military credit cards, like the The Platinum Card® from American Express and the Chase Sapphire Preferred® Card.

Over 12,000 military folks like you have graduated the free course. They've opened their first annual fee waived ultra premium luxury travel rewards cards. Join us and get your first annual fee waived today.

You can sign up for the beginner's course here. It's 100% free, unsubscribe at anytime, and I promise to never spam you.

Learn how to your credit card annual fees waived in my 5 day, 100% free course.

Learn all about military travel hacking, travelling for free, points, miles, and credit card annual fee waivers in my
Ultimate Military Credit Cards Course.

  • If you're a US military service member or spouse, let me show you how to get your first annual fee waived.
  • Take my 100% free, 5 day, online course and I will show you how you can get the best luxury travel rewards and cash back cards and pay no annual fees.
  • Understand how to use unique military credit card laws to your benefit, such as the Military Lending Act and Servicemembers Civil Relief Act
  • My wife and I get $12,000+ in credit card fees waived every year. You can do it too and reap the fantastic benefits of these cards.

Best Military Credit Cards

Best Hotel Credit Card 2023 | Marriott, Hilton, IHG, and Hyatt
Citi Double Cash Card
Citi Double Cash Card | 2% Cash Back on Everything
Best Credit Cards for Military 2023 | 15+ Cards for Active Duty
AMEX Delta Reserve card free for US military
Amex Delta Reserve Military Benefits 2023
Amex Platinum Military 2021 MLA SCRA
Amex Platinum Military 2023 | Active Duty & Military Spouses
credit card application rules by bank
Credit Card Application Rules 2023 | Amex, Chase, Citi, & More
Credit Card Transfer Partners 2023 | Amex Chase Citi Capital One
Best Credit Card Offers September 2023 for Military & Spouses
Chase Sapphire Reserve No Annual Fee for Military
Chase Sapphire Reserve Military 2023 | $550 Annual Fee Waived
New AMEX Blue Cash Preferred NO ANNUAL FEE FOR MILITARY
Amex Blue Cash Preferred Military | $250 Welcome Bonus
Amex Marriott Bonvoy Brilliant Military
Amex Marriott Bonvoy Brilliant Military | $650 Annual Fee Waived
Free Diamond Status at Hilton Hotels for Military
Amex Hilton Aspire Card Military 2023 | MLA Benefits Explained
national guard AMEX SCRA Platinum
Amex Platinum Military Reservist, National Guard, Title 10, Title 32
Bilt Credit Card Military – Earn Points Paying Rent With No Fees
Ritz Carlton Card Military | How To Apply, Annual Fee Waiver
Amex Platinum vs Amex Gold | Which Card is Better for Military in 2023?
Amex Blue Business Plus
Amex Blue Business Plus Card | 2x Points + No Annual Fee
Amex Platinum Military 2021 MLA SCRA
Best Credit Cards Military Spouses 2023 | Annual Fees Waived
Chase Ink Business Preferred Card Review | Earn 3x Points
Chase The World of Hyatt Military MLA
Chase World of Hyatt Military Credit Card Review | MLA 2023
credit card application rules by bank
32 Credit Cards in My Wallet 2023 | Current Credit Cards
American Express Green Card for Military: No Annual Fee!
Amex Green Card Military: Annual Fee Waived, 60,000 Point Bonus
United Club Infinite Card Military 2023 | Fee Waiver, Lounge Access
Chase Sapphire Preferred Military SCRA MLA
Chase Sapphire Preferred Military: Waived Annual Fee, 80k Offer
Chase Ink Business Unlimited Credit Card for Veterans and Military
Chase Ink Business Unlimited Card Review | Earn 1.5% Cash Back
New AMEX Blue Cash Preferred NO ANNUAL FEE FOR MILITARY
Best Cash Back Credit Cards 2023 | Over 5% Cash Back
capital one venture x
Capital One Venture X Military 2023 | 75k Points, $300 Credit
Chase IHG One Rewards Premier Military MLA
IHG One Rewards Premier Credit Card Military | No Annual Fee
Chase Ink Business Cash Credit Card for Veterans and Military
Chase Ink Business Cash Review | 5x Points, No Annual Fee
Southwest Companion Pass for Active Duty Military
Southwest Credit Cards for Military 2023 | Annual Fees Waived
What To Do With Fee Waived Credit Cards When You Retire, Separate, or Leave the Military With Your DD214
Chase United Quest Card for Military
United Quest Military Fee Waiver + Review
Citi AAdvantage Executive World Elite Mastercard Military
Citi AAdvantage Executive Military | American Airlines Credit Card
Chase Ink Business Cash Credit Card for Veterans and Military
Ink Business Preferred vs Ink Business Cash | Compare Chase Ink
US Bank Altitude Reserve Military MLA
U.S. Bank Altitude Reserve Military Benefits 2023
Amex Gold Card Military | 60k Points, 4x Groceries, Restaurants
Credit Cards That Waive Annual Fees For Military in 2023
Chase Sapphire Reserve No Annual Fee for Military
Chase Sapphire Reserve vs. Chase Sapphire Preferred 2023
Chase Ink Business Preferred Veteran and Military
Chase Ink Business Credit Cards | All 4 Cards Ranked
chase freedom flex
Chase Freedom Flex Military | Categories + Cash Back Credit Card

Recent Articles

Want more articles? Find all my articles in the Military Money Manual Blog or in the Archives.

Want more articles? Find all my articles in the Military Money Manual Blog or in the Archives.

Listen to the MMM Podcast

The Military Money Manual Podcast is available on Spotify, Stitcher, Apple Podcasts, Amazon Music, Audible

Follow Us on Instagram

@MilitaryMoneyManual

If you'd like to learn more about the website, check out the about page.

To get to the best content fast, sign up for the Ultimate Military Credit Cards Course