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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 | Credit.com | Military Saves | Mint.com | Zillow Blog | Military.com Paycheck Chronicles | Financial Samurai | Get Rich Slowly | Million Mile Secrets | Lifehacker | Madfientist
- 130,000 veterans about about to get a hefty tax refund…
- I'm a 40, single, military dad of 2; I have rental income, $100k in retirement savings and expect at least $3k a month in retirement – what am I missing?
- Why US soldiers may want to start brushing up on investing
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.
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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.
20 thoughts on “Contact Military Money Manual and Spencer”
Great site! Just a question on your bonus post.
The example you posted on eligibility has me a bit confused. Wouldn’t the example below have that pilot finish his ADSC in FY21 which is before FY22? It seems like he would be eligible for the FY22 bonus.
“If you graduated on August 15, 2011, you would not be eligible for the FY22 bonus. You’d have to wait for the FY23 bonus to come out and immediately apply. Unfortunately, this does add months to your next contract”
I think you are right. Updating the post now.
“If you graduated on August 15, 2011, you would not be eligible for the FY21 bonus. You’d have to wait for the FY22 bonus to come out and immediately apply. Unfortunately, this does add months to your next contract.”
I still think that example is wrong. He would expire in FY21 which falls in the “in or before” category. He would be eligible for the FY21 bonus.
I think the better example is someone who expires in November 2012 since they would be in FY23 so not eligible for FY22.
I think that’s right?
Hello Spencer! Loved your book and always listening to your podcast.
I am a new LT moving to Texas for UPT in Jan, I was wondering could I get the Amex Platinum to pay for my moving expenses before getting there? The problem I see it is I am not consider active duty until I get to my base; therefore I do not know if getting the card as a civilian a month before becoming active duty will enable me to waive the fees after I get all my paper work done. I am still triying to create an account in the MLA website but is not allowing me to finish the process. Best regards!
You could open the Amex Platinum card and apply for SCRA benefits but I think that’s a risky move. SCRA benefits require more work than just getting automatic MLA benefits once you’re in the MLA database.
What I would do is open a Capital One Venture X Card and use that for your PCS moving expenses. Capital One only waives annual fees if you open the card account before active duty starts. Once you go active duty apply for Capital One SCRA benefits. Check the SCRA database before applying doe the Cap One military benefits.
Then once you are on active duty, then I would start going after Amex Plat, Chase cards, and Amex Gold. Follow the military credit card guide here.
Thank you for the advice Spencer! as always looking forward to more episodes.
Just got my Air Force commission From K-State ROTC, however my school does not start until Feb 2023, what should I do until then? Can I go on TDY or work for the Air Force in some way? My Dad gave me his GI bill can I use that?
Thanks for any advice.
Get a job.
Space A travel is back! Emergency podcast? Lol
We covered Space A in this episode.
I love your site! I received the 100,000 Hilton points for me and my wife when I came off active duty orders, as learned your site. Thanks!!
I’m a Reservist and I often go on/off active duty orders. While on orders last year I (and my wife) opened quite a few cards and the AF was waived on all of them. I came off 365 day orders on 2FEB22 and went back on 12 day orders from 28FEB – 12MAR. On 5MAR my wife opened a Cap1 VX card in which they have charged me the $395 AF. I called but the only thing that the representative could do was to open an inquiry on the account which might last up to 60 days.
Do I have to open the account prior to active duty or while on active duty?
I’m going back on 365 day active duty orders on 25OCT
Thanks for all your help.
You should be able to get annual fees waived on the Capital One Venture X if you apply for SCRA benefits. It should work if you opened the card while off active duty and then apply for the SCRA benefits with your 30+ day active duty orders.
Hi, are any of these benefits available for veterans?
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.
I’m working with AMEX on this situation, thanks for data point. Stay updated here AMEX SCRA denials and here AMEX MLA.
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!
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:http://www.creditcardinsider.com/insider/join-us-google-hangout/, 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! :)