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 14,000 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

Amex Blue Business Plus
Amex Blue Business Plus Card | 2x Points + No Annual Fee
Best Hotel Credit Card 2024 | Marriott, Hilton, IHG, and Hyatt
Chase IHG One Rewards Premier Military MLA
IHG One Rewards Premier Credit Card Military | No Annual Fee
Southwest Companion Pass for Active Duty Military
Southwest Credit Cards for Military 2024 | Annual Fees Waived
Chase United Quest Card for Military
United Quest Military Fee Waiver + Review
New AMEX Blue Cash Preferred NO ANNUAL FEE FOR MILITARY
Amex Blue Cash Preferred Military | $250 Welcome Bonus
Chase Sapphire Preferred Military
Chase Sapphire Preferred Military: Waived Annual Fee, 60k Bonus
Chase Sapphire Reserve Military
Chase Sapphire Reserve Military 2024 | Annual Fee Waived, 60k Bonus
Amex Hilton Honors Aspire Card Military
Amex Hilton Aspire Card Military Fee Waiver Explained 2024
AMEX Delta Reserve card free for US military
Amex Delta Reserve Military Benefits 2024 Credit Card
Best Credit Cards for Military 2024 | 21+ Cards for Active Duty, Spouses
Amex Gold Card Military | 60k Points, 4x Groceries, Restaurants
Chase Sapphire Preferred Military
Best Credit Cards for Veterans and Military Retirees 2024
Amex Platinum vs Amex Gold | Which Card is Better for Military in 2024?
Amex Platinum Military 2021 MLA SCRA
Amex Platinum Military 2024 | Active Duty & Spouse Benefits
Amex Marriott Bonvoy Brilliant Military
Amex Marriott Bonvoy Brilliant Military Benefits | Upgrades, Free Rooms
capital one venture x
Capital One Venture X Military 2024 | 75k Points, $300 Credit
US Bank Altitude Reserve Military MLA
U.S. Bank Altitude Reserve Military Benefits 2024
Chase Sapphire Reserve Military
Chase Sapphire Reserve vs. Chase Sapphire Preferred 2024
chase freedom flex
Chase Freedom Flex Military | 5 Percent Categories Cash Back
Chase The World of Hyatt Military MLA
Chase World of Hyatt Military Credit Card Review | MLA 2024
credit card application rules by bank
Credit Card Application Rules 2024 | Amex, Chase, Citi, & More
Fee Waived Credit Cards When You Retire, Separate, or Leave the Military With Your DD214
Chase Ink Business Cash Credit Card for Veterans and Military
Chase Ink Business Cash Review | 5x Points, No Annual Fee
Chase Ink Business Cash Credit Card for Veterans and Military
Ink Business Preferred vs Ink Business Cash | Compare Chase Ink
Chase Ink Business Preferred Card Review | Earn 3x Points
Amex Platinum Military 2021 MLA SCRA
Amex Platinum vs Chase Sapphire Reserve 2024 | Best Card
Best Credit Card Offers March 2024 for Military & Spouses
chase freedom flex
Chase Freedom Flex vs Chase Freedom Unlimited | Which Card is Best?
Chase Sapphire Reserve Military
Chase Military Credit Cards 2024 | Chase Military Lending Act
American Express Green Card for Military: No Annual Fee!
Amex Green Card Military: Annual Fee Waived, 40k Point Bonus
credit card application rules by bank
32 Credit Cards in My Wallet 2024 | Current Credit Cards
USAA Preferred Cash Rewards Visa Signature Credit Card Review
United Club Infinite Card Military 2024 | Fee Waiver, Lounge Access
Chase Ink Business Unlimited Credit Card for Veterans and Military
Chase Ink Business Unlimited Card Review | Earn 1.5% Cash Back
Credit Card Transfer Partners 2024 | Amex Chase Citi Capital One
Credit Cards That Waive Annual Fees For Military in 2024
New AMEX Blue Cash Preferred NO ANNUAL FEE FOR MILITARY
Best Cash Back Credit Cards 2024 | Over 5% Cash Back
Amex Platinum Military 2021 MLA SCRA
Best Credit Cards Military Spouses 2024 | Annual Fees Waived
Ritz Carlton Card Military | How To Apply, Annual Fee Waiver

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

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

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