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

Are you interested in military credit cards?

Under the Military Lending Act, active duty, Guard and Reserve on 30+ day orders, and military spouses are all eligible for annual fee waivers on the best credit cards.

Learn how to get your annual fees waived and the right order to apply for cards in the Ultimate Military Credit Cards Course:


Are you interested in building wealth and investing?

Sign up for the Military Money Course below. I'll take you through what you need to know to build wealth in the military through low-cost, automatic, diversified, and simple investing. We'll cover investing in the Thrift Savings Plan, money management, and financial independence and retiring early (FIRE).

No get-rich-quick schemes, no cryptocurrency, no real estate scams, just real military money advice that works.


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 Cardยฎ from American Express and the Chase Sapphire Preferredยฎ Card.

Over 15,000 military folks like you have graduated the free course. They successfully opened their first annual fee waived ultra premium luxury travel rewards card. 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.

“Like NerdWallet for the Military”

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

Learn all about military travel credit cards, travelling for free, points, miles, and special military credit card benefits 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

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: Military Money 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 and the work Spencer does, check out the about page.

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