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Military Money Manual

Military Money Manual

Air Force veteran investing for financial independence by age 40.

Military Money Manual
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Why the ‘You Just Gave Uncle Sam an Interest-Free Loan’ Argument Doesn’t Work For Many Transitioning Military

Executive Summary Every year at tax time, you see pundits talk about ‘giving Uncle Sam an interest-free loan.’  While the concept of lowering tax withholdings is sound, there are several …

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Vanguard 3 Year Performance

2016 Investment Performance: +10% Net Worth: +16%

What a roller coaster of a year! Between a rough start in January when the S&P 500 was down 5% (the worst month since 2009), Brexit, the Trump election night crash …

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Blended Retirement System: The New Military BRS

Last update 17 Feb 2017 I will use this page to collect ideas, resources, and links to all things Blended Retirement System related. I will keep it continuously updated as new information …

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USAA.com Logo

What I Saw at USAA’s Digital Military Experience

USAA’s 2016 “Digital Military Experience,” or #DigiMilEx as it was trending on Twitter, was an annual meeting of military affiliated personal finance bloggers, affinity groups, and USAA’s team. Held at …

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$10,000 and 1 Year With Betterment: Performance and Cost

After 1 year and $10,000 invested in Betterment, I am a happy customer and recommend it to family, friends, and blog readers. My initial review is here and my review …

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military deployment

Military Deployment Savings Challenge: $54k in 6 Months

After over two years of no deployments, I had a six month deployment to the Middle East in 2017. Note from Spencer on March 14 2021: this deployment was actually cancelled last minute. …

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EZ Rack Builder Review: Easy Military Thin Ribbons

In the summer of 2015, I attended Squadron Officer School (SOS) at Maxwell AFB, AL. SOS is a five week course on leadership, management, team building, and officer development for Air Force …

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7 Things You Must Do If You Just Joined the Military

This is written primarily for the young enlisted fresh out of boot camp or the newly minted officer from the Academies, ROTC, or OTS/OCS. However, much of the advice can …

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I Hate Budgeting: 2015-2016 Expenses and Investments

Budgeting: why bother? I find budgeting to be a chore and would much rather focus my limited time for my finances on increasing my income and investing. We only have …

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Ten Personal Finance Questions You Should Ask Before Leaving the Military

I first wrote this personal finance article on AHRN.  However, I wanted to make sure that everyone who subscribes to this blog has the opportunity to read it.  You can …

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About Military Money Manual

We build wealth for military service members and their families.

We have the best credit cards and show you how to use them! Money management, personal finance, and investing for active duty, Guard, Reserve, military spouses. Financial education for officers and enlisted through books, courses, podcast, newsletter, and blog.

I am an Air Force veteran who saved, invested, and achieved financial independence by age 35. This site is veteran owned and operated since 2012. Thank you for your support!

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