Contact Military Money Manual and Spencer

If you are a human, you can reach Spencer via email:

mmm @ this domain.

  • I don't take guest or sponsored posts. You won't get a response if you ask.
  • I don't want to add your company's service or product to existing posts. You won't get a response if you ask.
  • If you don't put my name in your email, I'm going to assume you're a bot and I won't reply.

Or direct message me on Instagram.

I have been featured on a number of sites and media outlets since I started in 2012.

Military Money Manual in the Media

Military Money Manual has been featured on a number of outstanding financial websites. I am frequently quoted as an expert on military financial issues, investing, personal finance, credit cards, travel hacking, and military credit cards benefits, especially the SCRA and MLA laws.

Yahoo! Finance | ABC News | The Military Guide | Dough Roller | | Military Saves | | Zillow Blog | Paycheck Chronicles | Financial Samurai | Get Rich Slowly | Million Mile Secrets | Lifehacker | Madfientist

Market Watch


If you'd like an article from me, a quote, to inquiry about advertising on my site, or to contact me, visit the contact page.

Do you have a military financial story to share, a success story, a tip for the community, or a tale of what not to do? I'd love to publish it on the site! Send me an email or contact me on any of the links above.

For media inquiries, please email me.


Looking to reach a US military affiliated, financially literate community that likes unique and innovative investment, financial, and other useful products? Then look no further than the Military Money Manual.

Since inception in April 2012 until April 2021, MMM received 2.4 million pageviews from over 1.4 million unique visitors. Each visitor spent an average of 1 minute and 12 seconds on the site.

This is a highly targeted audience of military servicemembers who are probably looking to use your financial products. Please contact me at the email above.

8 thoughts on “Contact Military Money Manual and Spencer”

  1. Hi Spencer,
    Love your site and the wealth of information you disseminate. I have a problem I wonder if you might be able to help. I am a reservist on Title 10 order for 364 days as of Jun. 2, 2019. I applied for AMEX Platinum Card. Amex is not waiving the annual fee for me stating ” i am eligible for SCRA-MLA benefits and can get 6% rate on a loan but since I applied for the card in Dec. It was after my orders started therefore I am not eligible.
    Ok first off I dont have a loan. I was just seeking the waiver for annual fee.
    I called customer service to try and correct this. I started to wonder maybe AMEX no longer waives the fee. I stated to the Representative that I had done so much research before applying and inquired if AMEX had indeed made a policy change. She was unaware. It felt like a hopeless situation. Can you give any advice on how to correct this and if AMEX has changed their policy. She called me back and was willing to open up another case number. Thank you.

  2. Does Navy Federal Credit Union offer a program similar to the SDP? I’ve heard from other soldiers that their credit unions wherever they’re from offers a similar program but the interest isn’t taxed as much.

    • The SDP is a unique program not offered anywhere else. Navy Federal may have offered some 10% CDs back in the 70s and 80s when interest rates where 10x higher than they are today, but I have heard of no other program that offers a guaranteed 10% return. Also, interest is taxed as interest, no matter where the interest is received from. The SDP does not offer tax free interest, even if you serve in a combat zone. However, because your taxable rate will drop to probably 0% or lower, you may not have to pay any tax on your SDP interest.

    • Many people do not know the specifics of the SDP. Last time I checked, you are eligible after 30 consecutive days in a combat zone OR three consecutive months. You can also put in up to $10K and get 10% on it. You can leave it for 90 days after leaving the combat zone, but if you go back down range, you reset your 90 days.

      If you consistently go down range, this is extremely advantageous. Aircrew or similar duties who go down range often can continue to reset their 90-day time frame every time they enter a combat zone. If you take your money out, you have to re-qualify to contribute (30 consecutive days or 3 consecutive months), but if you leave your money in the account, you reset your interest each time you enter a combat zone. I was able to get 10% interest this way for over three straight years.

      • Thanks for the great summary Mark! Check out my full SDP writeup. I’m actually getting close to hitting my 3 month window and will have to withdraw. But another deployment is right around the corner!

  3. Good morning:

    We are holding our first partnership with financial expert John Ulzheimer, and the National Foundation for Credit Counseling (NFCC) to host an exclusive event on Google Hangouts. As you are an expert in the field, I am reaching out to you so if you would like to feature a question on the chat. I would love to highlight your blog – and collaborate in any way.

    Please check out the event:, and get back to me with any questions you may have. I am open to discussing this by email or phone, whichever is best for you!

    Let me know! :)



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