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.

Amex Platinum Card With NO Annual Fees for Military

Amex Platinum Card Military

Military servicemembers and spouses can get The Platinum Card® from American Express with NO annual fees. This ultra premium luxury travel card normally has a $695 annual fee.

Learn how to apply for the Amex Platinum military fee waiver.

The Amex Platinum offers:

  • $695 Annual Fee WAIVED for US Military (and spouses)!
  • Earn 100,000 Membership Reward Points with $6000 spend in 6 month
  • Earn up to $200 annual Hotel Credit: Get $200 statement credit on prepaid Fine Hotels + Resorts or the Hotel Collection, which requires a two-night minimum stay, booked on Amex Travel and paid for with your Platinum Card
  • Earn up to $200 credit for Uber rides (or Uber Eats!) annually
  • Earn up to $200 airline fee credit
  • Centurion Lounge and Priority Pass Airport Lounge Access
  • Earn up to $100 annual Saks Fifth Avenue credit, can be used for gift cards, enrollment required
  • No foreign transaction fees, terms apply
  • Earn 5x points on airfare booked directly with airline or on up to $500,000 per calendar year
  • Transfer to 22 travel partners

These benefits, especially up to $600 of credits for hotels, airlines, and Uber, plus the massive 100,000 point welcome bonus, make the Amex Platinum card my TOP recommended card.

This is the largest welcome bonus on this card I've seen in years.

You have a leisurely 6 months to meet the $6000 minimum spend to earn the 100,000 points. That's only $1000 per month.

If you already have an Amex Platinum card, check out the American Express® Gold Card, fee waived Chase military credit cards like the Chase Sapphire Preferred, and this month's top recommended credit card bonuses, all with no annual fees for US military personnel and their spouses.

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.

13 thoughts on “Contact Military Money Manual and Spencer”

  1. Spencer
    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.

  2. Spencer,

    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.
    Andrew Florence

    • 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.

  3. 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.

  4. 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!

  5. 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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