About Military Money Manual and Spencer

See why the AMEX Platinum is my top recommended military credit card.
I can show you how to get your 1st $550 annual fee waived when you sign up for my Ultimate Military Credit Cards course

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I am a captain (O-3) in the US Air Force. As an officer in the USAF, I try not to discuss my job, location, deployments, or TDYs for OPSEC (operational security) reasons. I will say that I get to travel a lot internationally and stateside (OCONUS and CONUS) for my work.

My wife and I enjoy travelling, trying new restaurants, hiking, and gelato. We would ideally like jobs that would allow us to travel and have a good amount of down time.

In 2011 I graduated a long training course for my primary duty. I became somewhat obsessed with personal finance, investing, and optimizing my life and money. I read every book the small base library had on these subjects and read as many personal finance and financial independence blogs as I could.

I decided to make early financial independence my main financial goal. It was easy convincing my wife of this goal since she had always been a saver.

I began tracking my net worth every month starting in April 2012, when my wife and I were worth -$3714. Now, we're investing to be financially independent by age 40. I invest about 50% of my after tax military pay.

The Military Money Manual Value Proposition

  1. An author with 9+ years military experience. I deployed 3 times, PCS’d 5 times, spent 600+ days TDY, and receive the same paycheck as you on the 1st and 15th.
  2. First hand experience – I have increased my net worth by $350,000 from 2010-2016. There are no shortcuts to financial independence, just time, savings rate, and investment returns. I paid off $120,000 in USAA cadet, student, and auto loans. I max out my TSP and Vanguard IRAs every year.
  3. I spend 5+ hours researching and writing each article I post. Everything is original and written by me, no ghost writers. If I have a guest post, I clearly label it as such.
  4. Trustworthy: I only recommend products I use myself. I clearly outline my affiliate linking and advertising policy here. This is unlike many sites on the web that include affiliate links without letting you know the potential conflict of interest.

About My Site – Military Money Manual

I primarily started this site for three reasons:

  1. Earn additional income online (see my advertising disclosure)
  2. Share what I learn about personal finance for military servicemembers
  3. Help fellow military personnel grow wealthier

For a profit motivated worker, working for government can be difficult as there are no bonuses, no salary negotiations, and promotions are based mostly on seniority. In 2012 I was in a long unaccompanied training course. Living in the dorms on base, there wasn't much I could do to boost my income.

I started this blog in April 2012 to pass the time, write about what I was doing with my money, and to make some extra income. From April 2012 – October 2019, 954,000 visitors have viewed my site 1.1 million times.

Before I discovered the idea of financial independence, I had no definitive goal with my money. I knew that my investments could eventually support my lifestyle, but I didn't know my number. $1 million? $2 million? It seemed so arbitrary.

Now that I know what my goal is, I want to share it with as many members of the military community that I can.

The only real reason to save and invest is to achieve financial independence, so that you can live life as you choose.

Military personal finance can be quite different from civilians. There's the constant moving across the country or the world (PCS). There's deployments and temporary assignments (TDYs). There are entitlements, basic pay, incentive pay, tax benefits, BAH, and everything else that makes the military financial community different from the civilian sector.

That's why a site specific to military personal finance issues is needed.

Thanks for reading,


AMEX Platinum With NO Annual Fees for US Military

Military servicemembers and spouses can get the American Express Platinum card with NO annual fees.

Learn how to apply for the AMEX military SCRA fee waiver.

The AMEX Platinum offers:

  • $550 Annual Fee WAIVED for US Military (and spouses)!
  • Earn 60,000 Membership Rewards Points with $5000 spend in 3 month
  • $200 credit for Uber rides (or Uber Eats!) annually
  • $200 airline fee credit
  • Centurion Lounge and Priority Pass Airport Lounge Access
  • NO foreign transaction fees

These benefits make the AMEX Platinum my top recommend card.

If you already have an AMEX Platinum card, check out the other AMEX cards, Chase military credit cards, and this month's top recommended credit card bonuses, most with no annual fees for US military personnel.

Military Money Manual has partnered with CardRatings for our coverage of credit card products. Military Money Manual and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.