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 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

Amex Platinum Military 2021 MLA SCRA

Amex Platinum Military 2024 | Active Duty & Spouse Benefits

Best Hotel Credit Card 2024 | Marriott, Hilton, IHG, and Hyatt

Best Hotel Credit Card 2024 | Marriott, Hilton, IHG, and Hyatt

American Express Green Card for Military: No Annual Fee!

Amex Green Card Military: 40k Point Bonus

Fee Waived Credit Cards When You Retire, Separate, or Leave the Military With Your DD214

Fee Waived Credit Cards When You Retire, Separate, or Leave the Military With Your DD214

Amex Gold Card Military | 60k Points + 4x Groceries, Restaurants

Amex Gold Card Military | 60k Points + 4x Groceries, Restaurants

Amex Platinum vs Amex Gold | Which Card is Better for Military in 2024?

Amex Platinum vs Amex Gold | Which Card is Better for Military in 2024?

Amex Blue Business Plus

Amex Blue Business Plus Card | 2x Points + No Annual Fee

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

Best Credit Cards for Military 2024 | 21+ Cards for Active Duty, Spouses

Chase Sapphire Preferred Military

Best Credit Cards for Veterans and Military Retirees 2024

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

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 Veteran and Military

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

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

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

USAA Preferred Cash Rewards Visa Signature Credit Card Review

United Club Infinite Card Military 2024 | Fee Waiver, Lounge Access

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 Card Transfer Partners 2024 | Amex Chase Citi Capital One

Credit Cards That Waive Annual Fees For Military in 2024

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 | Special Military Protections

Ritz Carlton Card Military | How To Apply, Annual Fee Waiver

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

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.

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