The Military Wallet Podcast

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Latest Episodes:

How Military Families Can Pay for College Without Going Broke Jul 04, 2026

Paying for college is challenging for almost any family—but military families often have access to unique education benefits that can dramatically reduce the cost when used strategically. In this episode of The Military Wallet Podcast, host Ryan Guina sits down with military finance expert and author Kate Horrell to discuss how families can make the most of the Post-9/11 GI Bill, 529 plans, scholarships, state education benefits, and other resources to create a college funding strategy that works for their unique situation. Whether you're planning for one child or several, this conversation offers practical guidance to help you make informed financial decisions before tuition bills arrive.

Ryan and Kate explain why college planning should be viewed as a family-wide financial strategy rather than a series of individual decisions. They cover lesser-known GI Bill transfer rules, common misconceptions about the Yellow Ribbon Program, ways to combine military education benefits with scholarships and state programs, and how thoughtful planning can stretch your education dollars much further. They also discuss alternatives to traditional four-year colleges, including community college, apprenticeships, and trade schools, giving military families a broader perspective on higher education.

If you're an active-duty service member, veteran, military spouse, or parent preparing for college expenses, this episode provides practical strategies that can help you maximize the benefits you've earned while avoiding costly mistakes. Every family's situation is different, but understanding your options before making major education decisions can save thousands of dollars and create more opportunities for everyone involved.

Subscribe for more conversations about military money, benefits, investing, and financial readiness.

Comment below: What questions do you have about paying for college or using your GI Bill benefits? We'd love to hear from you.

For more information, check out TheMilitaryWallet.com

Connect With Kate Horrell:

Website: https://www.katehorrell.com/

LinkedIn: https://www.linkedin.com/in/katehorrell/

Check out Kate's Book, College Finances for Military Families: https://www.amazon.com/College-Finances-Military-Families-Confidently/dp/B0F9NDL54P

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0:00 – Intro

0:39 – Meet military finance expert Kate Horrell

3:10 – Why college planning should be a family strategy

5:37 – Different ways military families can pay for college

7:22 – Transfer your GI Bill the right way

11:08 – Maximize GI Bill benefits for multiple children

14:11 – Scholarships, 529 plans, and state education benefits

18:31 – Build a college funding plan that saves money

22:23 – Set realistic college expectations with your kids

27:21 – Smart ways to lower the cost of college

31:38 – When professional college planning help makes sense

34:50 – College alternatives worth considering

40:31 – Yellow Ribbon myths and hidden GI Bill strategies

45:40 – Kate Horrell's book and final college planning advice

46:47 – Outro

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#militaryfinance #gibill #collegeplanning

You CAN Build Wealth on Active Duty the Automated Way. Here's How! Jun 18, 2026

If you want to learn essential military financial literacy strategies to help manage your money with confidence and build long-term wealth, this episode is for you.

Today, host Ryan Guina sits down with Darius Lester, an active duty financial literacy educator and the founder of Mammoth Money Mindset. Darius breaks down practical steps for military members and their families to take control of their finances. Whether you are currently serving or transitioning out, this conversation provides actionable advice on budgeting, debt elimination, and strategic saving.

Darius opens up about his personal journey, from starting with zero financial literacy to saving $30,000 during his first four years in the military using a strict "out of sight, out of mind" automation strategy. We dive deep into the unique money challenges service members face, including the temptation to overspend when moving out of the dorms, navigating complex family financial dynamics, and overcoming the psychological trauma or limiting beliefs tied to money.

Discover why Darius believes math is only a small fraction of personal finance, and why mastering your mindset is the real key to success. He shares his top actionable tools for wealth-building, including maximizing the Thrift Savings Plan (TSP), leveraging high-yield savings accounts without fear, and using digital budgeting tools like Undebt.it, Rocket Money, and Qube Money.

Whether you are a brand-new service member looking to set up your first allotments or a seasoned veteran aiming for early retirement, this interview provides the ultimate blueprint to stop living paycheck to paycheck and start putting your wealth on autopilot.

Subscribe for weekly personal finance tips and comment below with your biggest question about managing money during or after service.

Connect with Darius Lester:

Website: https://www.mammoth-money.com/

YouTube: https://www.youtube.com/@MammothMoneyAcademy

LinkedIn: https://www.linkedin.com/in/darius-lester-003550150/

Instagram: https://www.instagram.com/dmoneymammoth/

Skool: https://www.skool.com/mammothmoney/

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00:00 Intro

00:10 Meet Darius Lester

00:54 Growing up without financial literacy

01:31 Saving $30,000 in his first four years - the "out of sight, out of mind" rule

02:10 Learning about credit cards in the military

02:45 Real estate vs. luxury cars

03:04 Joining Robin Hood to be part of the stock market

03:40 The turning point: Getting a sign to start a financial coaching business

04:35 Taking the entrepreneur leap of faith

05:10 The story behind "Mammoth Money Mindset"

06:01 The psychology of money, not just the math

07:05 Automating the Thrift Savings Plan (TSP)

08:14 Letting the computer manage your money

09:20 Handling pay raises and promotions

10:04 Building a 3-to-6-month emergency fund

10:51 The stigma of High-Yield Savings Accounts (HYSA)

12:22 Stock market investing using the S&P 500 history

14:02 Budgeting and tackling high-interest credit card debt

15:35 Common mistakes

17:11 Navigating difficult family financial dynamics and cultural expectations

18:28 The "Richest Man in Babylon" rule

19:11 Powerful tech tools for financial success: Undebt.it, Rocket Money, and Qube Money

21:09 Why tracking your spreadsheet every month matters

21:55 The golden rule of finance: "Pay Yourself First"

23:14 Taking care of family post-military

25:10 The impact of COVID

27:47 Other areas of coaching Darius offers

31:20 After the "dorm life"

36:00 Understanding "family issues"

39:29 Helpful tools and apps

47:10 Financial success according to Darius

51:00 How to connect with Darius

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For more information, check out TheMilitaryWallet.com

#MilitaryFinance #financialliteracy #Mammothmoneymindset

Breaking the Silence on Military Food Insecurity Jun 09, 2026

In this episode of The Military Wallet, host Ryan Guina sits down with Heather Campbell to tackle a vital yet deeply misunderstood issue within our community: military food insecurity.

Heather Campbell is an active-duty Air Force spouse, registered dietitian, and an "accidental advocate" who has become a leading subject matter expert on this hidden challenge. Heather bravely shares her personal story of navigating immense financial stress and rigid program eligibility requirements as an officer family in remote Alaska.

Despite having degrees in finance and nutrition, her family still fell through the system's cracks. This highlights a sobering truth: military food insecurity isn't about budgeting failures or lack of character. It's a widespread, systemic economic challenge. In fact, research shows that nearly one in four military families struggle to consistently put food on the table.

We break down the unique causal factors, including spouse unemployment, unexpected PCS move expenses, and the flaws in how BAS and BAH allowances are calculated. Tune in to learn how we can better support our warfighters, remove the stigma around seeking help, and empower families with practical solutions.

For more information, check out ⁠TheMilitaryWallet.com

Connect with Heather Campbell:

LinkedIn: ⁠https://www.linkedin.com/in/heatherscampbell/⁠

Website: ⁠https://in-dependent.org/fuel-the-homefront/

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0:00 Intro

0:10 Meet Heather Campbell

1:45 How Heather became an "accidental advocate"

8:39 Defining food insecurity

12:32 Who is impacted

15:30 Causal factors

19:36 Misconceptions about military pay

25:35 Psychological barriers to seeking help

30:05 Practical solutions

41:09 Calls to action & resources

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#MilitaryPay #MilitaryFamilies #FoodInsecurity

Can The Military Childcare Crisis Be Fixed? Jun 02, 2026

In this episode of the Military Wallet podcast, host Ryan Guina and guest Kayla Corbitt tackle the massive, complex challenge of finding safe, affordable, and reliable childcare for military families.

Kayla, founder of Operation Childcare Project, shares her expertise on navigating Department of Defense programs like CDC and FCC, as well as civilian assistance programs.

Discover the crucial differences between installation-based care and off-base options, how priority systems work, and the reality of fee assistance wait times. Learn why a 'menu' approach to childcare is essential, leveraging everything from family and friends to non-traditional care.

Kayla provides actionable advice on vetting providers, safety planning for deployments and shift work, and utilizing resources like the Dependent Care Flex Spending Account.

This conversation highlights childcare not just as a family issue, but a critical readiness and retention factor for the entire military community. Check out occproject.org for free case management and helpful calculators.

For more information, check out ⁠TheMilitaryWallet.com

Connect with Kayla Corbitt

LinkedIn: https://www.linkedin.com/in/kaylacorbitt/

Website: https://www.occproject.org/

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0:00 Intro

0:10 The Mission

1:12 Operation Child Care Project overview

3:04 Kayla's origin story & motivation

7:38 Overview of military childcare programs

8:46 DoD vs. civilian-operated programs

10:14 Fee assistance program (MMYN)

13:40 Child care in your home program (CCH)

16:36 Pros and cons of different care options

23:54 Vetting providers and safety

28:26 Handling unpredictable schedules

31:53 Handling deployments and TDY

38:22 Affordability, subsidies & tax benefits

44:12 Services offered by Operation Child Care Project

48:07 Gaps and hopes for the future

52:45 Connecting with Operation Child Care Project

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#MilitaryFinance #FinancialIndependence #MilitaryFamilies

How to Translate Your Military Skills to a Civilian Resume May 26, 2026

Transitioning from the military is one of the biggest challenges a veteran will face. In this episode, host Ryan Guina, sits down with 10-year Army veteran and career coach Jacob Mousseau, and breaks down the "Swiss Army Knife" mistake most veterans make and how to build a 90-day action plan that actually lands you a job you love.

Whether you are 6 months out or have been out for 10 years and feel stuck, this career strategy session covers everything from identifying your core values to using AI for interview prep and salary negotiation. Jacob shares his own "unexpected" transition story and the exact framework he uses to help veterans move from survival mode to a thriving civilian career.

Stop guessing your way through the military-to-civilian transition. Learn how to frame your military experience as a product, master the "Tell me about yourself" question, and negotiate the salary you deserve.

For more information, check out ⁠TheMilitaryWallet.com

Connect with Jacob Mousseau:

LinkedIn: https://www.linkedin.com/in/jacobmousseau/

YouTube: https://www.youtube.com/@FrontlineCareerStrategy

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00:00 Intro

00:10 Introduction to Jacob Mousseau & Veteran Transitions

00:41 Jacob’s 10-Year Army Story & Unexpected Transition

05:59 The #1 Struggle for Transitioning Service Members

07:34 Stop Being a "Swiss Army Knife" (The Specialist Secret)

11:34 Why Values & Geography Matter More Than Your Resume

25:32 The 90-Day Veteran Career Action Plan

30:24 How to Use AI for Career Research & Interview Prep

36:57 Mastering the "Tell Me About Yourself" Interview Question

43:28 Salary Negotiation & Total Rewards for Veterans

54:03 Where to Find Jacob (Frontline Career Strategy)

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#militarytransition #veteranjobs #careercoaching

Military Survivor Benefits: What Every Spouse Needs to Know May 19, 2026

When a service member passes away, the grief is overwhelming, but the financial "what now" starts almost immediately. In this episode, host Ryan Guina sits down with Krista Simpson Anderson, founder of The Unquiet Professional, to discuss the reality of navigating life after loss in the military.

Krista shares her personal journey following the loss of her husband, Green Beret Staff Sgt. Michael Simpson, and breaks down the critical benefits every spouse needs to understand. From the immediate $100,000 Death Gratuity and SGLI to long-term support like the Survivor Benefit Plan (SBP) and Dependency and Indemnity Compensation (DIC), this conversation is a roadmap for the "unknown unknowns" of military survival.

We also dive into the "Heart Act", a massive financial benefit many survivors miss, and the impact of the remarriage penalty on benefits like TRICARE and the Fry Scholarship. Whether you are active duty, a veteran, or a surviving spouse, this episode provides the clarity and community support needed to protect your family's future.

For more information, check out ⁠TheMilitaryWallet.com

Connect with The Unquiet Professional:

Website: TheUnquietProfessional.org

Facebook: https://www.facebook.com/TheUnquietProfessional

Instagram: https://www.instagram.com/theunquietprofessional/

LinkedIn: https://www.linkedin.com/company/theunquietprofessional/

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0:00 Intro

0:10 Meet Krista & The Unquiet Professional

1:30 Mike's legacy - why the organization was born

2:35 The Unquiet Professional

4:44 The day everything changed

5:41 How the military handles family travel

7:30 The role of nonprofits

8:46 The financial reality of the first 72 hours

10:13 The DD93 warning

11:30 How death gratuity is paid and what it's for

13:15 The danger of outdated forms

14:37 The PAD (Person Assigned Disposition)

17:00 Estate planning

18:08 Navigating life as a survivor

21:04 Understanding the 55% Survivor Benefit Plan

21:40 DIC explained

22:20 Line of duty investigations

24:20 The HEART Act

27:35 The Fry scholarship

28:35 The remarriage penalty

30:30 The Love Lives On Act

35:35 Rebuilding your community when the "unit" moves on

39:30 Putting the pieces back together

43:00 Transitioning from military life to civilian life

47:48 Organizing identity, health, legal & vehicle docs

52:00 The importance of a shared password manager

55:41 Connect with the Unquiet Professional

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#MilitaryBenefits #SurvivorBenefits #TheMilitaryWallet

30% of Military Spouses Have Been Pushed Out of Their Careers—Here's Why Apr 19, 2026

Join us for a profound conversation with Ryan Guina and Jennifer Barnhill, a journalist, researcher, and author of "Military Stories You’ve Been Told and The Ones You Need to Hear". Jennifer peels back the "pink camouflage" to reveal the raw, often overlooked experiences of military families.

From the personal sacrifices of career gaps and underemployment to the "wicked problem" of frequent PCS moves, she highlights why 30% of working-age spouses have been pushed out of the workforce entirely. Jennifer dives deep into the unspoken expectations placed on spouses as their partners rise in rank and shares the moving history of advocacy, from the fight against the "widow’s tax" to current efforts allowing survivors to remarry without losing benefits.

This isn't just a discussion about policy; it's a "love letter" to the community and a call to action for better understanding. Learn why the true makeup of military life is rarely reflected in the media and how we can foster deeper connections by listening to the stories that actually matter.

Connect with Jennifer: Find her book on Amazon, Bookshop, or Barnes & Noble, and follow her journey on LinkedIn.

For more information, check out TheMilitaryWallet.com

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0:00 Intro

0:22 Jennifer explains why she wrote her book

1:10 Jennifer's background

2:28 Love letter

3:44 Expectations for military spouses

4:25 Pink camouflage books

6:04 When spouses step up

6:53 The 1988 Air Force policy change

9:36 The wicked problem

11:17 Research from IVMF

12:36 Military spouse unemployment

14:11 Solutions for spousal employment

16:00 Positive trends of states

18:22 Theresa Jones' story

19:21 SBPDIC (the widow tax)

21:47 Call to action

25:45 Recap

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#MilitarySpouses #VeteranFamilies #JenniferBarnhill

MILITARY VETERANS: Your Roadmap From Broke to Financially Secure Mar 26, 2026

Once you’ve organized your finances and tackled debt, the next step is building long-term wealth through investing. But with so many options and strategies, it can be hard to know where to start.

In this episode of The Military Wallet, Ryan Guina sits down with Mike Hunsberger to introduce the fundamentals of investing — from brokerage accounts to employer-sponsored plans and the Thrift Savings Plan — and how to use them to achieve your financial goals.

From understanding different account types to choosing the right investment strategies, this conversation breaks down investing 101 for service members and veterans, showing you how to grow your money over time while staying aligned with your long-term financial plan.

Whether you’re new to investing or just looking to refine your strategy, this episode explains how to take control of your future and make smart, informed decisions with your money.

🔑 What You’ll Learn in This Episode

Different investment options and how they work
How brokerage and taxable accounts differ
Whether you can have multiple investment accounts
Employer-sponsored accounts and how to maximize them
How the Thrift Savings Plan (TSP) works for service members
Lifecycle funds and how they simplify investing
How to coordinate TSP with other investments
The differences between Roth and traditional accounts
How to determine the right percentage of income to invest
Strategies for long-term financial growth and wealth building

⏱️ Episode Timeline

00:00 – Introduction
Overview of long-term savings and investing basics.

00:27 – Different Options for Investing
Exploring the main types of investment accounts.

02:35 – Brokerage Accounts
What they are and how to use them.

07:23 – Taxable Accounts
Advantages, limitations, and strategies.

09:05 – Can You Have More Than One?
How multiple accounts work together.

10:50 – Employer Investment Accounts
Maximizing contributions and benefits.

12:49 – Thrift Savings Plan (TSP)
Basics of the TSP for service members.

16:32 – Lifecycle Funds
How target-date funds simplify investing.

20:39 – Coordinating TSP With Other Investments
Strategies for balance and growth.

23:00 – Roth vs. Traditional Accounts
Key differences and tax implications.

26:36 – TSP Explained in More Detail
Advanced tips for managing TSP funds.

29:10 – How Much to Invest
Determining the right percentage of income.

33:35 – Recap
Key takeaways and final advice.

🎯 Who This Episode Is For

Active-duty service members planning for long-term wealth
Veterans looking to start or optimize investing
Beginners seeking foundational investing knowledge
Anyone transitioning from budgeting and debt repayment to growth
Individuals wanting a strategic approach to financial planning

Personal Finance Fundamentals: Why Most Military Members Get Their Finances WRONG Mar 26, 2026

Managing your money doesn’t have to be complicated — but without a clear plan, it’s easy to fall into debt, miss savings goals, or feel like you’re always behind financially.

In this episode of The Military Wallet, Ryan Guina sits down with Mike Hunsberger to break down the fundamentals of personal finance — starting with one of the most important skills you can build: budgeting.

From building an emergency fund to reducing debt and making smart decisions with extra cash, this conversation simplifies the core principles of financial stability and shows you how to take control of your money with confidence.

Whether you’re just getting started or looking to improve your financial habits, this episode explains how to create a practical plan that supports both short-term needs and long-term goals.

🔑 What You’ll Learn in This Episode

Why budgeting is the foundation of financial success
How to build and prioritize an emergency fund
How net worth fits into your overall financial plan
Strategies for paying down debt effectively
How to decide where your money should go each month
What to do with extra cash once your basics are covered
How to balance saving, spending, and investing
Common budgeting mistakes to avoid
How to build sustainable financial habits
Why consistency matters more than perfection

⏱️ Episode Timeline

00:00 – IntroductionOverview of budgeting and personal finance basics.

00:32 – Why Budgeting Matters
How a plan for your money impacts your financial future.

03:50 – Emergency Fund Basics
How much you should save and why it’s important.

07:00 – Net Worth & Financial Planning
How to measure and track your progress.

10:00 – Debt Reduction Strategies
How to approach paying off debt effectively.

14:25 – What to Do With Extra Cash
Smart ways to allocate surplus income.

18:00 – Recap
Key takeaways and final advice.

🎯 Who This Episode Is For

Service members building a financial foundation
Veterans working to improve money management
Anyone struggling with budgeting or debt
Beginners looking to understand personal finance basics
Individuals wanting a simple, practical financial plan

The Life Insurance Strategy Many Military Members Are Missing Mar 26, 2026

Life insurance isn’t something most people want to think about — but for military families, having the right coverage can make the difference between financial security and long-term hardship.

In this episode of The Military Wallet, Ryan Guina sits down with Chad Armstrong to break down how life insurance fits into a complete financial plan — and what service members need to know about protecting their families both during and after military service.

From understanding SGLI and VGLI to comparing term and whole life insurance, this conversation explains how to choose the right coverage, avoid costly gaps, and make decisions that support your family’s long-term financial future.

Whether you’re currently serving, transitioning out of the military, or simply reviewing your financial plan, this episode explains how to make smarter life insurance decisions — and why waiting too long can come with serious consequences.

🔑 What You’ll Learn in This Episode

Why life insurance is a critical part of financial planning
How Servicemembers’ Group Life Insurance (SGLI) works
What Veterans’ Group Life Insurance (VGLI) offers after service
Key differences between SGLI and VGLI
How to calculate how much life insurance coverage you need
Why maintaining continuous coverage is so important
The pros and cons of term life vs. whole life insurance
When term life insurance may be the better option
Common mistakes military families make with life insurance
Real-world consequences of inadequate coverage
How to align your insurance with long-term financial goals

⏱️ Episode Timeline

00:00 – Introduction
Overview of life insurance and why it matters for military families.

00:45 – SGLI, VGLI & Other Options
Breaking down military-specific life insurance programs.

04:44 – How Much Coverage Do You Need?
Strategies to calculate the right amount.

07:11 – Avoiding Coverage Gaps
Why letting insurance lapse can be costly.

11:33 – SGLI vs. VGLI
Key differences and when each applies.

17:15 – A Real-Life Story
The emotional and financial impact of inadequate planning.

23:00 – Term Life vs. Whole Life
When term life may be the smarter choice.

27:48 – Recap
Key takeaways and final advice.

🎯 Who This Episode Is For

Active-duty service members reviewing their benefits
Veterans transitioning out of the military
Military families focused on financial protection
Anyone deciding between term and whole life insurance
Those building a long-term financial plan

Deployment Pay: Tax Breaks That Could Save You Thousands Mar 22, 2026

Saving, and planning for your financial future can get complicated fast — but deployments add an entirely new layer of tax rules, benefits, and opportunities most service members don’t fully understand.

In this episode of The Military Wallet, Ryan Guina sits down with Mary Armstrong to break down the key financial and tax strategies every military member should know before, during, and after deployment.

From tax exemptions and IRS extensions to retirement planning with the Thrift Savings Plan, this conversation explains how to take full advantage of military-specific benefits — while avoiding costly tax mistakes that could impact your long-term financial goals.

Whether you’re preparing for deployment, currently serving overseas, or planning ahead for your financial future, this episode explains how to stay compliant, maximize your benefits, and make smarter decisions with your money.

🔑 What You’ll Learn in This Episode

How military tax exemptions work during deployment
What income may qualify for tax-free status
Key IRS extensions available to deployed service members
How the Thrift Savings Plan (TSP) fits into your strategy
The difference between Roth and traditional TSP contributions
How deployment impacts your tax filing requirements
Smart tax planning strategies before and after deployment
Available financial resources for veterans and service members
How to avoid common tax mistakes during active duty
Why proactive planning can improve long-term financial outcomes

⏱️ Episode Timeline

00:00 – Introduction
Overview of deployment-related financial planning topics.

00:40 – Veteran Tax Exemptions
Which income may be tax-free and how exemptions apply.

03:50 – Thrift Savings Plan (TSP)
How TSP works and why it matters during service.

05:18 – Roth vs. TSP
Key differences and when each strategy makes sense.

09:30 – Deployment and Taxes
How deployment affects filing, deadlines, and obligations.

13:24 – Resources for Veterans
Tools and support available for financial guidance.

16:11 – Recap
Key takeaways and final advice.

🎯 Who This Episode Is For

Active-duty service members preparing for deployment
Military members currently deployed overseas
Service members planning their tax strategy
Anyone using or considering the Thrift Savings Plan
Veterans looking to better understand military tax benefits

How To Re-Use Your VA Home Loan + Other Secrets Feb 23, 2026

Many veterans believe the VA home loan is a one-time benefit — use it once and it’s gone forever. That’s one of the most common (and costly) VA loan myths.

In this episode of The Military Wallet, Ryan Guina is joined by Ryan Bell, a VA loan expert with more than 20 years of experience and a former Army National Guard member, to explain how the VA loan really works — and how veterans can use it multiple times over a lifetime.

They break down entitlement restoration, second-tier entitlement, renting out a VA-financed home, and what happens if a veteran ever defaults on a VA loan. If you’re PCS’ing, retiring, downsizing, or building a rental portfolio, this episode explains what’s possible — and what’s not — when it comes to reusing your VA benefit.

🔑 What You’ll Learn in This Episode

Why the VA loan is a lifetime benefit, not a one-time perk
How selling a VA-financed home fully restores your entitlement
How many times you can use your VA loan (hint: there’s no limit)
What second-tier entitlement is and how it works
How to buy a new home while keeping your old VA home as a rental
Why VA loans must always be used for a primary residence
Common misunderstandings about vacation homes and VA loans
What happens to your VA benefit after a foreclosure or default
How to find lenders who understand second-tier entitlement
When it makes sense to use VA financing vs. conventional loans

⏱️ Episode Timeline

00:00 – Introduction
Ryan welcomes VA loan expert Ryan Bell.

00:31 – Is the VA Loan a Lifetime Benefit?
Why you never “use it up” permanently.

01:13 – How Many Times Can You Use a VA Loan?
Why there’s no usage limit.

02:27 – What Is Remaining Entitlement?
How partial entitlement works.

03:26 – Second-Tier Entitlement Explained
Buying another home without selling the first.

04:32 – Why Some Lenders Say “No” (Incorrectly)
The importance of VA-experienced lenders.

04:51 – Primary Residence Rules
Why VA loans can’t be used for vacation homes.

06:18 – Turning a VA Home Into a Rental
How PCS moves make this possible.

07:06 – Snowbirds, Retirees & Dual Residences
When VA loans can still work.

08:55 – What Happens After a Default or Foreclosure
Why your benefit may not be gone forever.

10:08 – VA Loan Scenarios Recap
How veterans can safely reuse their benefit.

11:29 – Final Advice
Why every veteran should understand their entitlement.

🎯 Who This Episode Is For

Veterans who think they already “used up” their VA loan
Active-duty members facing a PCS
Military retirees planning their next home
Veterans interested in rental properties
Anyone confused about VA loan entitlement

From Army Vet to Real Estate Pro: Addiction, Identity, and Building a New Life After Service Feb 16, 2026

Leaving the military isn’t just a career change — it’s an identity shift. In this deeply personal episode of The Military Wallet, Ryan Guina sits down with Dane Gibson, an Army veteran turned realtor, property manager, and entrepreneur, to talk candidly about transition, addiction, mental health, faith, and finding purpose after service.

Dane shares his journey from active-duty field artillery to struggling through civilian life, battling addiction, surviving suicidal thoughts, and eventually rebuilding his life through faith and real estate.

Note: If you are struggling with suicidal thoughts, dial or text the helpline at 988.

Along the way, he explains how military discipline, resilience, and problem-solving skills helped him succeed in a commission-based business — and why real estate can be a powerful (but challenging) career path for veterans.

This conversation goes far beyond money and careers. It’s about identity, healing, and redefining success on your own terms — whether that’s through entrepreneurship, faith, or simply learning to live with less pressure and more meaning.

🔑 What You’ll Learn in This Episode

What Dane’s military transition really looked like after ETS
How alcohol culture in the military followed him into civilian life
Recognizing addiction, hitting rock bottom, and asking for help
Why identity loss is one of the hardest parts of leaving the military
How faith helped Dane rebuild his life and redefine success
Why real estate can be a strong (but demanding) career path for veterans
The realities of commission-based income and entrepreneurship
How property management creates more stable, predictable income
The military skills that translate best into business and real estate
Financial lessons for transitioning service members
Why success isn’t about money — it’s about waking up without pressure

⏱️ Episode Timeline

00:00 – Introduction
Ryan introduces Dane Gibson and his background.

00:43 – Army Service & Early Challenges
Life as a field artillery soldier in Korea and Fort Hood.

03:12 – Alcohol Culture & Coping Mechanisms
How drinking became normalized — and destructive.

05:47 – Transitioning Out of the Military
College, travel, and searching for identity.

11:28 – Rock Bottom & Suicidal Thoughts
A pivotal moment and asking for help.

15:49 – Camino de Santiago & Self-Discovery
Seeking meaning outside the military.

16:58 – Living at Home & Career Uncertainty
Struggling to translate military skills.

18:11 – Discovering Sales & Real Estate
Why real estate became a natural fit.

26:02 – Addiction, COVID, and a Breaking Point
The moment everything changed.

30:51 – Faith, Recovery, and Sobriety
A slow but lasting transformation.

32:51 – Money, Identity, and Losing Everything
Why tying self-worth to income fails.

36:11 – Redefining Success
Living with purpose instead of pressure.

39:23 – Real Estate Paths for Veterans
Sales, property management, building, and investing.

47:42 – Advice for Transitioning Service Members
Financial discipline, identity, and long-term thinking.

51:15 – Final Message
You’re not alone — help is available.

🎯 Who This Episode Is For

Veterans struggling with transition or identity loss
Service members considering real estate or entrepreneurship
Anyone battling addiction or mental health challenges
Military families supporting a loved one through transition
Listeners seeking purpose beyond rank, income, or career

Secrets From a Realtor: What Military Homebuyers and Sellers Should Know Feb 09, 2026

Buying or selling a home is one of the biggest financial decisions most service members will ever make — and doing it with a VA loan adds an extra layer of complexity. In this episode of The Military Wallet, Ryan Guina sits down with Jared Reichel, Director of Agent Relations and a veteran himself, to reveal the real-world insights every military homebuyer and seller needs to know.

From choosing the right real estate agent to navigating VA loan myths, negotiating in hot or slow markets, and even leveraging VA loan assumptions, this conversation pulls back the curtain on how experienced agents protect military buyers and sellers from costly mistakes.

Whether you’re PCS’ing, buying your first home, upgrading, downsizing, or preparing to sell, this episode explains why the right real estate agent is your “boots on the ground” expert — and how they can save you time, money, and stress throughout the entire process.

🔑 What You’ll Learn in This Episode

Why VA loans are different — and why agent experience matters
How to vet and interview real estate agents when moving to a new area
Why using the seller’s agent can work against you
Major industry changes that affect buyer agency agreements
How real estate agent commissions and fees work now
How agents help you negotiate price, concessions, and closing costs
VA loan myths around appraisals, inspections, and closing timelines
Why VA loans can still compete in hot seller’s markets
How agents protect buyers during inspections, disclosures, and contracts
What sellers need to know about pricing, marketing, and negotiations
How VA loan assumptions can benefit both buyers and sellers

⏱️ Episode Timeline

00:00 – Introduction
Ryan welcomes Jared Reichel and introduces the topic.

00:25 – Why VA Loans Require Specialized Agents
How VA loans differ from conventional financing.

01:29 – How to Vet a Real Estate Agent
What military buyers should ask before hiring.

03:45 – Finding an Agent in a New Area
Why “test driving” agents matters.

06:17 – Buyer Agency Agreements Explained
New regulations and what buyers must know before signing.

09:21 – Who Pays the Real Estate Agent?
How commissions and negotiations work post-lawsuit.

11:28 – What a Buyer’s Agent Really Does
Negotiations, inspections, disclosures, and protection.

13:45 – VA Loan Myths & Seller Concerns
Why sellers shouldn’t fear VA financing.

16:29 – Inspections, Experts, and Due Diligence
Why your agent’s local network matters.

17:03 – Negotiating Offers & Seller Concessions
How experienced agents structure winning offers.

22:27 – Contract Terms & Protecting Buyers
Appraisals, contingencies, and earnest money strategies.

25:34 – Closing Day: What Your Agent Does
From lender coordination to signing the keys over.

28:32 – Selling a Home as a Military Member
Why listing agents matter just as much as buyers’ agents.

32:47 – Evaluating and Comparing Offers
How agents help sellers choose the best deal.

39:17 – VA Loan Assumptions Explained
A powerful but often overlooked VA benefit.

43:02 – Final Advice for Military Buyers & Sellers
Why experience, trust, and VA knowledge are non-negotiable.

🎯 Who This Episode Is For

Active-duty service members PCS’ing
First-time VA loan users
Military families buying in a new market
Veterans selling a home with a VA loan
Anyone considering a VA loan assumption

Why Many Veterans Lose Their VA Disability Claims & How to Get It Right Feb 02, 2026

Many veterans file VA disability claims believing the process is straightforward—only to be denied, underrated, or stuck in years of appeals. In this episode, Ryan Guina of The Military Wallet sits down with Chad Armstrong of ACE Veteran Consulting to unpack why so many VA disability claims fail and what veterans can do differently.

Chad shares his personal journey from National Guard service and combat deployments to a complex medical board, medical retirement, and ultimately helping other veterans navigate the VA system. Together, they break down the real rules behind VA ratings, the importance of CFR Title 38 language, medical evidence, nexus letters, lay statements, and why “throwing everything at the wall” often backfires.

If you’re filing a VA disability claim—or thinking about it—this episode explains what the VA is actually looking for, how to avoid common mistakes, and how to ethically and effectively present your case.

🔑 What You’ll Learn in This Episode

Why so many VA disability claims are denied or underrated
How the VA evaluates claims using CFR Title 38
The three key requirements for a successful VA claim
The importance of medical evidence and proper documentation
How nexus letters connect your condition to military service
The role of lay statements in strengthening your claim
Common mistakes veterans make during the claims process
Differences between military disability ratings and VA ratings
How CRDP and CRSC benefits work
The financial impact of VA compensation and retirement pay
Strategies to improve your chances of approval

⏱️ Episode Timeline

00:00 – Introduction
Ryan Guina introduces the show and guest Chad Armstrong, VA disability consultant.

00:38 – Chad’s Military Background
From construction work to the National Guard, Airborne School, and contracting in Iraq.

02:50 – Life as AGR (Active Guard Reserve)
Benefits, stability, and why AGR differs from active duty.

03:54 – Injuries, Surgeries, and Burnout
Six surgeries, combat wear-and-tear, and the physical toll of service.

05:47 – Entering the Medical Board Process
Why AGR med boards are different—and harder—than active duty cases.

07:50 – Being Sidelined During Med Board
Loss of mission, identity struggles, and mental health impact.

11:08 – Medical Board Findings & Appeals
How DOD ratings work, appeals, lawyers, and combat-related determinations.

14:28 – Chad’s First VA Claim Mistakes
Why his initial VA claim failed—and what he didn’t know at the time.

16:06 – VA Claims Are a Test (CFR Title 38 Explained)
How the VA actually grades claims and why language matters.

18:41 – Why Claims Get Denied
Missing documentation, poor wording, and overwhelmed VA raters.

21:30 – Ethics of VA Disability Claims
Why lying or exaggerating backfires—and hurts everyone.

22:25 – The 3 Requirements for a Successful VA Claim
Service connection, current diagnosis, and a medical nexus.

23:57 – Lay Statements & Real-Life Impact
How to explain limitations beyond medical jargon.

26:15 – Transitioning Out & Financial Reality
VA compensation, income planning, and early retirement decisions.

32:36 – CRDP vs. CRSC Explained
Key differences and who qualifies.

35:17 – Medical Retirement Pay vs. VA Pay
How offsets work and why most veterans must choose one.

39:23 – Why Military & VA Ratings Differ
Readiness vs. total disability explained.

41:49 – Combat-Related Special Compensation (CRSC)
How combat injuries can unlock both VA and military pay.

44:38 – Financial Impact of CRSC
Using compensation to build long-term financial stability.

45:47 – Final Advice for Veterans Filing Claims
Why education, preparation, and patience matter most.

46:04 – Closing Thoughts
Final takeaways and wrap-up.

🎯 Who This Episode Is For

Veterans filing or appealing a VA disability claim
Active-duty service members preparing to separate
Medically retiring service members
Anyone confused about VA ratings and benefits
Advocates helping veterans navigate the VA system

Military Tax Strategies That Could Save Thousands (State Residency, PCS Moves & Retirement Taxes Explained) Jan 26, 2026

Military life makes taxes complicated — PCS moves, deployments, overseas assignments, and multi-state residency can quickly turn a “simple” tax return into a mess. In this episode of The Military Wallet, Ryan Guina is joined by Mary Armstrong, CPA and founder of Tax Talk Advisors, to break down one of the most powerful (and misunderstood) military tax strategies: choosing and maintaining the right state of legal residence.

Mary explains the critical differences between home of record, duty station, and legal residence, how service members can legally reduce or eliminate state income taxes, and the common mistakes that trigger problems with state tax authorities. They also cover spouse residency rules, DFAS errors to watch for, and why military retirees need to pay close attention to changing state tax laws.

If you’re active duty, Guard, Reserve, or approaching retirement, this episode can help you avoid costly mistakes — and potentially save thousands of dollars over your career and retirement.

🔑 What You’ll Learn in This Episode

The difference between home of record, duty station, and legal residence
How military members can legally change state residency
Why no-income-tax states like Texas, Tennessee, Florida, and Alaska are popular choices
How PCS moves and family location affect state tax obligations
How spouses can adopt the service member’s legal residence
Common DFAS tax withholding errors and how to catch them
How states are changing laws to eliminate taxes on military retirement pay
Property tax exemptions for veterans — and how lenders sometimes get them wrong
Why failing to verify exemptions can lead to unexpected tax bills

⏱️ Episode Timeline

00:00 – Introduction
Ryan introduces Mary Armstrong, CPA and military spouse.

01:06 – Why Military Taxes Are So Complicated
How “ifs, ands, and buts” dominate military tax law.

01:50 – Home of Record vs Duty Station vs Legal Residence
Why these are not the same — and why it matters.

03:48 – How States Determine Legal Residency
Physical presence, intent, and cutting ties with prior states.

04:42 – Using No-Income-Tax States Strategically
When and how to legally establish residency.

06:49 – DFAS Errors That Can Cost You Money
Why promotions sometimes trigger incorrect tax withholding.

08:46 – Spouse Residency Rules Explained
How military spouses can adopt the service member’s state.

10:13 – Military Retirement Pay & State Taxes
Why many states are phasing out taxes on military pensions.

11:58 – Property Tax & Veteran Exemptions
How disability ratings affect property taxes.

14:12 – Real Estate Tax Exemptions & Common Pitfalls
Why lenders sometimes misapply veteran exemptions.

15:49 – Avoiding Surprise Property Tax Bills
Why escrow errors can raise your mortgage payment.

🎯 Who This Episode Is For

Active-duty service members planning PCS moves
Guard & Reserve members juggling multiple states
Military spouses managing household taxes
Service members approaching retirement
Veterans trying to reduce state and property taxes

VA Home Loan Underwriting: Secrets Veterans Should Know Jan 19, 2026

The VA loan process can feel confusing — especially when it comes to underwriting, one of the most important (and misunderstood) steps in getting approved for a home loan.

In this episode of The Military Wallet, Ryan Guina sits down with mortgage underwriter Zach Gunter to break down what underwriting really is, how it works, and what military homebuyers need to know to successfully navigate the VA loan process.

From timelines and common red flags to property requirements and appraisal challenges, this conversation pulls back the curtain on how lenders evaluate your loan — and what you can do to improve your chances of approval.

Whether you’re just starting your homebuying journey or already in the process, this episode explains how underwriting works — and how to avoid delays, denials, and costly surprises.

🔑 What You’ll Learn in This Episode

What mortgage underwriting is and why it matters
How long the underwriting process typically takes
What buyers can do to make underwriting smoother
When to start the home loan process
Special considerations for self-employed buyers
Common red flags that can delay or derail approval
What to do if your loan application is denied
The difference between a home inspection and an appraisal
What happens if a home doesn’t appraise
What types of properties qualify for VA loans
VA rules for condos, townhomes, and unique property types
How VA loans work for manufactured homes, fixer-uppers, and new construction
Minimum Property Requirements (MPRs) explained
VA loan limits, entitlement, and eligibility basics

⏱️ Episode Timeline

00:00 – Introduction
Overview of underwriting and why it matters.

00:21 – What Is Underwriting?
Understanding the lender’s review process.

03:12 – How Long Does Underwriting Take?
Typical timelines and what to expect.

04:22 – Making Underwriting Easier
Steps buyers can take to streamline approval.

05:31 – When to Start the Process
How early buyers should prepare.

06:57 – Self-Employed Buyers
Unique challenges and requirements.

08:10 – Avoiding Common Hurdles
How to reduce the risk of delays.

09:28 – Red Flags to Watch For
Issues that can raise concerns for lenders.

10:30 – What If You’re Denied?
Next steps and how to recover.

12:43 – Inspection vs. Appraisal
Key differences and why both matter.

16:25 – What If the Home Doesn’t Appraise?
Options and potential outcomes.

18:55 – Property Eligibility for VA Loans
What you can and can’t buy.

20:42 – Townhomes vs. Condos
Specific considerations for each.

21:42 – Unique Property Types
How non-traditional homes are evaluated.

23:00 – Manufactured Homes
VA loan guidelines and limitations.

23:45 – Foreclosed Homes
Using a VA loan for distressed properties.

24:40 – Fixer-Uppers
What to know before buying a home that needs work.

25:20 – Building a Home
How VA loans apply to new construction.

26:17 – Minimum Property Requirements (MPRs)
Standards homes must meet.

28:06 – VA Loan Limits
How borrowing limits work.

29:17 – Full vs. Partial Entitlement
Understanding your eligibility and usage.

32:04 – Recap
Key takeaways and final insights.

🎯 Who This Episode Is For

Active-duty service members buying a home with a VA loan
Veterans navigating the mortgage approval process
First-time military homebuyers
Self-employed buyers using VA financing
Anyone confused about underwriting and loan approval

VA Loan Pre-Approval: Vital For Your Homebuying Journey Jan 12, 2026

Getting pre-approved for a mortgage isn’t just a box to check — it’s one of the most important steps in the entire homebuying process, especially when using a VA loan. Without it, you could face delays, missed opportunities, or even lose out on your dream home.

In this episode of The Military Wallet, Ryan Guina sits down with Angie Sanders of Veterans United Home Loans to break down exactly how mortgage pre-approval works, why it matters, and how military homebuyers can use it to their advantage.

From understanding the difference between pre-qualification and pre-approval to improving your credit and preparing the right documentation, this conversation walks through how to position yourself as a strong, confident buyer in today’s market.

Whether you’re planning to buy soon or just starting to think about homeownership, this episode explains how to get ahead of the process — and avoid common mistakes that can cost you time, money, and opportunities.

🔑 What You’ll Learn in This Episode

What mortgage pre-approval is and how the process works
The difference between pre-qualification and pre-approval
Why pre-approval is critical before making an offer
When to start the pre-approval process (and why earlier is better)
What documents lenders require and how to prepare
How long pre-approval lasts and when it expires
Minimum credit score requirements for VA loans
How to improve your credit before applying
Alternative ways to establish credit history
What to do if you’re denied and how to build a plan
How interest rates and home prices affect your buying power
Financial habits to avoid before closing (like taking on new debt)
How to position yourself for the best possible loan terms

⏱️ Episode Timeline

00:00 – Introduction
Overview of pre-approval and why it matters.

00:20 – What Is Mortgage Pre-Approval?
How the process works and what lenders verify.

01:24 – When to Start the Process
Why beginning early can improve your outcome.

02:48 – Risks of Skipping Pre-Approval
Why agents and sellers take it seriously.

03:44 – Budgeting With Pre-Approval
How to determine a comfortable price range.

04:41 – Required Documentation
What lenders need, from pay stubs to digital verification.

07:10 – Pre-Qualified vs. Pre-Approved
Key differences and why it matters.

08:15 – Expiration Timeline
How long pre-approvals and credit checks remain valid.

10:26 – Speed of the Process
How quickly you can get pre-approved.

11:33 – Credit Requirements
Minimum scores and what lenders look for.

13:27 – Alternative Credit History
Using rent, utilities, and other payments to qualify.

15:37 – What If You’re Denied?
Steps to improve and reapply.

18:17 – Market Conditions
How rates and home prices impact affordability.

19:45 – Maintaining Your Credit Score
Best practices during the homebuying process.

21:23 – Avoiding Major Purchases
Why timing matters before closing.

22:21 – Target Credit Scores
How higher scores unlock better rates.

25:32 – Handling Collections
Strategies for resolving outstanding debts.

27:00 – Recap
Key takeaways and final advice.

🎯 Who This Episode Is For

Active-duty service members preparing to buy a home
Veterans planning to use a VA loan
First-time homebuyers unsure where to start
Buyers working to improve their credit
Anyone who wants to get pre-approved with confidence

How To Get a Zero-Down VA Home Loan: Eligibility & Benefits Jan 08, 2026

Buying a home is one of the biggest financial decisions you’ll ever make — and for military members, veterans, and surviving spouses, the VA loan offers powerful advantages that many don’t fully understand.

In this first full episode of The Military Wallet, Ryan Guina sits down with Craig Berry to break down everything you need to know about VA loans — from eligibility and benefits to common misconceptions and real-world strategies for using this hard-earned benefit.

From comparing VA loans to conventional options to understanding entitlement, qualification requirements, and closing costs, this conversation walks through the entire homebuying journey — helping you make informed decisions and avoid costly mistakes along the way.

Whether you’re buying your first home, considering your options, or trying to maximize your VA benefits, this episode explains how VA loans work — and how to use them to your advantage.

🔑What You’ll Learn in This Episode

What a VA loan is and how it works
Key differences between VA and conventional loans
Other mortgage options available to veterans
How to determine whether you should buy or rent
First-time homebuyer considerations for military families
The major benefits of VA loans, including low or no down payment
VA loan eligibility requirements and how to qualify
How VA entitlement and Certificate of Eligibility (COE) work
Common VA loan misconceptions and myths
How lenders evaluate income, assets, and debt-to-income ratio
What to expect with rates, closing costs, and the VA funding fee
How underwriting and closing work for VA loans
Potential challenges and how to avoid last-minute surprises

⏱️ Episode Timeline

00:00 – Introduction
Overview of VA loans and what to expect in the episode.

00:20 – Overview of a VA Loan
What VA loans are and who they’re designed for.

01:05 – VA vs. Conventional Loans
Key differences in terms, requirements, and benefits.

02:37 – Other Loan Options for Veterans
Alternative financing options to consider.

03:19 – Who Should Buy a House
Factors to consider before purchasing.

04:25 – Buy vs. Rent
How to decide what makes sense financially.

07:00 – First-Time Buyer Considerations
What new buyers should know before starting.

10:05 – Benefits of VA Loans
Why VA loans can outperform conventional options.

13:17 – Where to Get a VA Loan
Choosing the right lender.

14:50 – VA Loan Eligibility
Who qualifies and how eligibility is determined.

16:17 – How to Use a VA Loan
Steps to apply and move forward.

18:07 – Using Your VA Eligibility Multiple Times
How reuse of benefits works.

18:52 – VA Entitlement Explained
Understanding your borrowing power.

20:45 – Leveraging VA Benefits
Maximizing your loan advantages.

21:58 – VA Loan Misconceptions
Common myths and the truth behind them.

29:16 – Who Qualifies for a VA Loan
Eligibility breakdown.

30:54 – Asset Requirements
What lenders look for.

33:21 – Down Payment Assistance
Additional support options.

34:09 – Income and Employment Requirements
How lenders evaluate stability.

39:12 – Debt-to-Income Ratio
How DTI impacts approval.

42:36 – Tips to Help You Qualify
Ways to strengthen your application.

46:08 – Comparing Rates
How to shop lenders effectively.

50:29 – Discount Points
When paying points makes sense.

54:20 – VA Funding Fee
What it is and how it works.

59:04 – Closing Cost Factors
What you’ll pay and why.

1:03:20 – Underwriting Process
What happens behind the scenes.

1:05:45 – Closing Day
What to expect when finalizing your loan.

1:08:15 – Timeline for VA Loans
How long the process typically takes.

1:10:20 – Last-Minute Hurdles
Potential delays and issues.

1:11:50 – First Payment Due Date
When your mortgage payments begin.

1:13:30 – Loan Servicing
Why your loan may be sold after closing.

🎯 Who This Episode Is For

Active-duty service members considering homeownership
Veterans exploring VA loan benefits
First-time military homebuyers
Surviving spouses eligible for VA loans
Anyone wanting a complete breakdown of how VA loans work

TMW 032: Disney Military Discounts and Shades of Green Resort Oct 02, 2017

My wife and I recently took our daughters on a Disney vacation. What does this have to do with military benefits? Well, we saved a ton of money on our tickets with the Disney Armed Forces Salute discounted Park Hopper passes, and we also stayed at the Shades of Green Resort at Walt Disney World, one of four Armed Forces Recreation Centers around the world. Shades of Green is actually a military resort, run by the Army. IN today's podcast, we cover how to take advantage of these discounts, what it's like to stay at Shades of Green, and how to maximize your Disney vacation. You can also read more on our website - http://themilitarywallet.com/shades-of-green/

TMW 031: Military Life Insurance Sep 12, 2017

Life Insurance is one of the most important parts of your financial toolbox. It provides money to your family members when they need it the most. In today's podcast, we discuss life insurance as it pertains to military members, veterans, and their families. We discuss why you and your family members need life insurance, the types of life insurance, where to buy it, how to find the best, deal, what to look out for to make sure you're covered, and much more. This is one episode you don't want to miss - it could have a huge impact on your or your family.

TMW 030: Military Discharge Upgrade Mar 15, 2017

Did you know it may be possible to upgrade your military discharge characterization? Today, our expert, a retired US Air Force Judge Advocate, walks us through the military Discharge Review Board Process and how to apply to have your discharge upgraded. Special attention is given to recent DoD guidance directing leniency for discharge upgrades for veterans who have symptoms from Post-Traumatic Stress Disorder (PTSD) and Traumatic Brain Injuries (TBI). Learn who is eligible for a discharge upgrade, how to apply, tip for improving your odds of having your upgrade request approved, and more. Find our show notes for a Military Discharge Upgrade Podcast.

TMW 029: How to Automate Your Finances Feb 17, 2017

Military members are frequently on the move. That's part of the gig, and part of the fun! In this podcast, we discuss how you can automate your finances so you don't have to worry about your money during a PCS, TDY, or deployment. Tips include automating your income, investments, expenses, paying bills, and tracking everything with free software. We also cover how to avoid mistakes with automation and how to protect yourself while you are away from home. These tips will help you save time, money, and energy. The sooner you get started, the sooner you can enjoy the benefits of automating your finances!

TMW 028: Tricare Roundtable - The Good, The Bad, and How to Improve TRICARE Dec 06, 2016

TRICARE is the military medical program, and is available to active duty, retirees, Guard / Reserve, and their family members. In today's podcast, we're doing a roundtable interview to discuss TRICARE - the good, the bad, and the ugly. In this episode we primarily focus on TRICARE Prime and TRICARE Reserve Select. We cover a lot of ground, including some areas where TRICARE shines, some of the issues we've experienced, and some of the areas where we would like to see improvements. Overall, TRICARE is substantially more affordable and offers greater coverage than many other health care programs that can be purchased in the civilian market place. TRICARE is a great benefit, but it does have some downfalls. Join us, as we explore this topic.

TMW 027: Thrift Savings Plan Contributions Nov 18, 2016

The Thrift Savings Plan is the government version of a 401k. It is used by military members, civil service workers, and other employees of government agencies. In today's podcast, we discuss Thrift Savings Plan contributions. Topics covered include the Traditional TSP, Roth TSP, annual contribution limits, catch-up contributions, making TSP contributions while deployed (including tax-exempt contributions), TSP contributions when you have more than one retirement account, contributing to both the military and the civil service TSP (yes, you can have both!), and other topics. Wow! That's a lot of ground to cover! Anyone who says the TSP is boring is flat out wrong! Stick around for this, the 27th episode of The Military Wallet Podcast!

TMW 026: Guard & Reserve Retirement Points Sep 19, 2016

Most military members know how active duty retirement works. But do you know how retirement works through the National Guard and Reserves? The Reserve retirement system is based on earning Retirement Points for your service. In this Guard & Reserve Retirement Point Guide, we discuss what Points are, how to earn them, the minimum and maximum Points you can earn in a year, how to translate your active duty service time to Points for the Guard or Reserves, how many points the different types of service are worth, how to earn more Retirement Points, and finally, how to put this all together to estimate your Point total to calculate your Reserve retirement pay. Whew ~ that sounds like a lot! And it is! But I've broken it down in a way that makes it easy to understand. After this podcast, you'll be able to talk about Retirement Points like a seasoned NCO!

TMW 025: VA Disability Claim Myths Aug 10, 2016

Did you know that many military veterans don’t want to file a service-connected disability claim with the VA when they separate from active duty? There are many reasons for this, but some of them aren’t based on facts. Today we’re going to cover 12 VA Disability Claim Myths and the facts you need to know when filing a VA service-connected disability claim. Some of these myths surround who is eligible to apply for veterans disability benefits, how a disability rating may impact your future career, whether or not you can serve in the Guard or Reserves if you have a service-connected disability rating, how disability compensation affects military retirement pay, the amount of time you can wait before filing a disability claim (hint: there is no time limit!), where to find help when filing a claim, and much more!

TMW 024: Survivor Benefits Plan Jun 30, 2016

The Survivor Benefit Plan provides a continued source of income for survivors of military retirees. If a military retiree elects to buy into the Survivor Benefit Plan (SBP), his spouse or other eligible survivor will be eligible to receive 55% of the retiree’s retirement pay after the retiree passes away. This can provide ongoing income and stability for survivors, but it does come at a cost, as retirees must buy into the plan. In this podcast, we dive into the Survivor Benefit Plan details and discuss when it makes sense to buy into the SBP, and when veterans may be better off choosing to self-insure through an insurance policy or completely forgo either form of insurance. We cover a lot in today's podcast, so be sure to take notes or visit the show notes at http://themilitarywallet.com/survivor-benefits-plan/ You and your spouse will be glad you did!

TMW 023: Hale Koa Hotel & Resort in Hawaii Jun 21, 2016

My family and I just returned from an amazing family vacation on the Hawaiian island of Oahu, where we stayed at the Hale Koa, an Armed Forces Recreation Center located in the Waikiki Beach area of Honolulu. The Hale Koa is one of four Armed Forces Recreation Centers around the world run by the Army. AFRCs are resorts that were built for the military and are exclusively for use by military members, retirees, DoD civilians, and other authorized guests. The Hale Koa offers very affordable room rates, a variety of resort features, and the location can't be beat! My family and I had the opportunity to see a variety of sights around Oahu. It was a family adventure that won't be topped any time soon. If you are in the military, are a military retiree, or are otherwise eligible, then I recommend looking into the Hale Koa as a vacation opportunity if time and money allow. In the mean time, check out this detailed review of the Hale Koa, including features, amenities, pricing, and tips to make your trip the best it can be.

TMW 022: How Long Should You Keep Military Records? Forever. Apr 29, 2016

How Long Should You Keep Military Records? Forever. Your military records are important for a variety of reasons. In this episode, we discuss why you need to keep excellent copies of your military records to ensure you have access to your military and veterans benefits. Simply put, no system is perfect, whether it be at the organizational level or national level. It is strongly recommended that every veteran maintain copies of their own records and frequently verify the correct information is reflected in official military or veterans records keeping systems. We discuss which records you need to keep and for how long. Also discussed are strategies for physical storage and digital filing systems.

TMW 021: Buy Back Military Time for Civil Service Retirement Credits Apr 01, 2016

Did you know that military veterans who join the Civil Service or other Federal agencies are eligible to buy back their military time and apply it to their federal time? Doing so helps them earn leave at a faster rate, vest their TSP contributions more quickly, and even retire earlier. Want to learn more? Then stick around for our interview with Eddie Wills, as he explains how to buy back your military time with a Military Service Credit Deposit.

TMW 020: Post-9/11 GI Bill Transfer Mar 09, 2016

Did you know the Post-9/11 GI Bill can be transferred to your spouse or children? This podcast discusses how to use the Post-9/11 GI Bill benefits to pay for your spouse or children's education. We tell you how to transfer your GI Bill benefits, and why you should do this as soon as possible. And don't worry - you can change your mind at any time without penalty or loss of benefits. We also discuss other ways to pay for your child's education if the Post-9/11 GI Bill isn't enough to cover all college education costs.

TMW 019: Starting a Business - an Interview with Todd Conner from Bunker Labs Oct 27, 2015

Have you ever thought about starting a business? If you are like many military veterans, the answer is yes! Military veterans make good entrepreneurs for a variety of reasons. But they may have a disadvantage - they often don't know where to start. Let me introduce you to Todd Conner, a military veteran and the founder of Bunker Labs, an incubator for military members and veterans. Bunker Labs is non-profit startup incubator helping veterans launch startups by providing resources, connecting them with other entrepreneurs, and other forms of assistance. There are currently 7 Bunker Labs locations throughout the US (and expanding)! Todd offers veterans advice on starting your own business and tells us how you can get help with your business idea through Bunker Labs or other resources.

TMW 018: Health Care after Leaving Military Service Sep 01, 2015

Health care is a topic most military members don't have to think much about while they are serving. Their health care needs are taken care of them and their families so they can concentrate on their duties. But things change quickly once you remove your uniform for the last time. In this podcast, we cover the various health care options for military veterans and their family members, including special programs for military members who receive an involuntary separation, active duty retirees, members of the Guard or Reserves, veterans who deployed in support of a contingency operation, health care through the Department of Veterans Affairs, employer sponsored health care, health care options through the Affordable Care Act, and more.

TMW 017: Military to Civilian Transition Tips May 06, 2015

In this podcast, I discuss the military to civilian transition, and some of the areas I struggled with during my transition. I dive right into my story, where I discuss some of the struggles I went through during the transition into the civilian sector, and how I would handle things differently if I were to make the transition again. Hopefully you can learn from some of my mistakes and avoid them! Read the show notes here - http://themilitarywallet.com/military-to-civilian-transition-tips/

TMW 016: Can You Get Out of the Military Early? Apr 04, 2015

Can you get out of the military early? More importantly, should you get out of the military early? This question is addressed on many levels. Topics covered include how to get out of the military early, the impact an early separation could have on your future, and why staying in the military for ht duration of your contract is almost always he right decision for your first enlistment term. The experiences, skills, benefits, and friendships you will earn along the way make the military a once-in-a-lifetime experience for most people.

TMW 015: Is the Military Still a Good Career Option? Feb 26, 2015

Is the military still a good career option? The military is currently in the middle of the largest drawdown since the end of the Cold War. And unfortunately, some servicemembers are being laid off. One listener wants to know if now is a good time to join the military, or should he do something else for a career? In this episode, we're going to discuss the amazing opportunities and benefits available to military servicemembers. These benefits will last a lifetime, and will be valuable whether you serve 4 years in the military, or make it a full career. Stick around and learn why the military is still a good career option, even with the current changes.

TMW 014: Using the Post-9/11 GI Bill Feb 23, 2015

The Post-9/11 GI Bill is one of the most valuable veterans benefits available, and it's also very easy to use! In this podcast, we walk you through the process of qualifying for the Post-9/11 GI Bill and what the benefit covers, including how to determine the maximum tuition rates, and your BAH or housing allowance. We also discuss how to actually use the Post-9/11 GI Bill (hint: all you need to do is qualify for the benefit, be accepted to your school, and your school should do virtually everything else!). Our guest is Anthony Tran, a USAF veteran who successfully used the Post-9/11 GI Bill to complete 3 Master's Degree programs. Talk about getting maximum value from a benefit!

TMW 013: Military Compensation and Retirement Modernization Commission Proposals Feb 01, 2015

The 2015 Military Compensation and Retirement Modernization Commission Recommendations were just released at the end of January, 2015. The MCRMC is a 9-person Panel that was charged with examining military and veterans benefits with the goal of making recommendations to Congress. They came back with a 300 page report and 15 core recommendations, including overhauling the Military Retirement system, dismantling TRICARE and replacing it with a commercial health insurance program, limiting Tuition Assistance benefits to only cover Professional Development courses, and much more. But it's not all doom and gloom. Half of the 15 proposed changes are quality of life improvements. Take a listen to hear our rundown of all the proposed military benefits changes, and check out the show notes at http://themilitarywallet.com/podcast13

TMW 012: How to Get a Medical Waiver to Join the Military Jan 19, 2015

Are you interested in joining the military? Perhaps you want to join the Guard or Reserves or even go back on active duty after a break in service. Before you can join the military, you will need to take a physical at MEPS, the Military Entrance Processing Station. But before you can even take the physical, you need to send in a medical pre-screen form with your medical history. Today we are going to walk you through the process of filling out that form, getting a physical through MEPS, and if required, filing for a medical waiver. We walk through the entire medical waiver process from MEPS to the Surgeon General's Office and all the steps in between.

TMW 011: Guard and Reserve Retirement Benefits Jan 12, 2015

How much do you know about Guard and Reserve retirement benefits? Today we're going to dive into Guard and Reserve retirement benefits and discuss what it takes to earn a retirement (how many years served), how retirement pay is calculated (based on the points system), and when you can begin receiving your retirement pay. We also discuss other valuable benefits including retiree health care options for retired Guard and Reserve members, when you can begin receiving benefits through TRICARE, base access, and other retiree benefits.

TMW 010: Active Duty Military Retirement Benefits Dec 13, 2014

How much do you know about active duty military retirement benefits? Today we're going to dive into active duty retirement benefits and discuss what it takes to earn an active duty retirement, how retirement pay is calculated, how much you can expect to bring home during your retirement, and why Cost of Living Adjustments (COLA) are much more valuable than you think. We will also discuss other valuable benefits including retiree health care through TRICARE for the retiree and his or her dependents, base access, and other retiree benefits.

TMW 009: Should You Join Guard or Reserves After Active Duty? Nov 20, 2014

Should you join the Guard or Reserves after leaving active duty? When I was on active duty, I didn’t give it much thought. My perception at the time was that the Guard and Reserves were basically the same as active duty, just on a part-time basis.

In some ways, that is true. But there is so much more to the Guard and Reserves than that. Today, I invite a special guest on our show to discuss how the Guard & Reserves are different from active duty, some of the benefits you can receive while serving in the Guard and Reserves, including health care and a pension, and how you can balance serving in the Guard and Reserves with your civilian career.

If you aren’t familiar with the Guard and Reserves, the content of this podcast may surprise you!

TMW 008: Military Tuition Assistance & Taking Classes While on Active Duty Nov 13, 2014

The military Tuition Assistance Program is one of the most valuable benefits available to active duty servicemembers. In this podcast, we discuss the general details of the Tuition Assistance program, including eligibility, how much the benefit is worth each year, which programs you can take, and more. We also discuss strategies to complete your degree while on active duty, with tips for testing out of college classes and how to arrange your schedule so you can more easily take classes. Using the Tuition Assistance program can help you get your degree on active duty, which gives you long-term career options allows you to transfer your Post-9/11 GI Bill to your family members. Take advatnage of this valuable benefit!

TMW 007: Planning Your Military Exit - Even if You Don't Know When it Will Be Nov 04, 2014

Have you thought about what you are going to do after you leave the military? Whether you’re one and done, or you stay in until retirement, you will one day leave the military. And the steps you take today, can go a long way toward determining your post-military future.Today, I’m excited to bring a guest on our show, Mark Deal, a former Nuclear technician in the Navy. He shares his story of self-development and planning for the future, even when he didn’t know what that future would be. In many ways, my story is similar to his, and I’m sure it will be similar for many of you. The big takeaway is this: “Develop a long-term path, and take short-term actions to get you there.”Or, in military terms, "Determine your strategic goals, and take tactical measures to achieve them."Whether you are a Private in the Army, a mid-level or senior-level NCO, or a company grade or field grade officer, there is a lot of wisdom here. I hope you’ll stick around!

TMW 006: Should You Join the Military? Oct 29, 2014

Should you join the military? Which benefits are available to you if you join the military? Which branch of service should you join - Air Force, Army, Marines, Navy, Coast Guard? Are you even qualified to join the military? Officer or enlisted? How long should you join? Which jobs are available? We cover all of these questions, and much more in this episode of The Military Wallet Podcast.

TMW 005: Benefits of Joining the Military Oct 22, 2014

Are you interested in joining the military? We cover most of the benefits you can expect to receive if you serve on active duty. We cover topics such as base pay, special duty pay, housing and food allowances, uniform allowances, free health care benefits, tuition assistance benefits, the GI Bill, the Thrift Savings Plan (like a government 401k plan), the VA Home Loan, on-base benefits, and much, much more. You don't want to miss this episode if you are considering joining the military!

TMW 004: VA Math - Combined VA Disability Ratings Oct 15, 2014

The VA Disability compensation system is complex - so is the math used to determine combined service-connected disability ratings. We'll walk you through how the math works so you can understand how your overall VA disability rating is calculated. The combined VA disability rating is used to determine your disability compensation payments and which other benefits you may be eligible to receive.

TMW 003: Force Shaping and Involuntary Separations Oct 08, 2014

Force Shaping and Involuntary Separations - How to Handle Being Laid Off from the Military. The military is cutting their end strength across all branches of the military, including active duty, Guard, and Reserves. Find out how you can decrease the odds of being involuntarily let go, and what you can do if you are informed that you will lose your military job, including financial implications, benefits, civilian career options, transitioning to the Guard or Reserves, and how to handle it emotionally.

TMW 002: Financial Independence & Early Retirement on a Military Salary Oct 01, 2014

Is early retirement your goal? This podcast shows how military members can become financially independent and retire early on a military salary. Join us as we interview Doug Nordman, author of The Military Guide to Financial Independence & Retirement, as we discuss how you can retire for good, whether or not you stay on active duty for 20 years and to earn a military pension.

TMW 001: Thrift Savings Plan 101 Oct 01, 2014

Join us as we discuss the basics of the Thrift Savings Plan, why you should invest for retirement, the difference between the Thrift Savings Plan and an IRA, the difference between Traditional and Roth investments, how controlling investment management fees can literally put hundreds of thousands of dollars back in your pocket, and much more!

TMW 000: The Military Wallet Podcast Introduction Oct 01, 2014

The Military Wallet Podcast is dedicated to military members, retirees, veterans, and their families. We give you a wide range of military and veterans benefits topics, in-depth interviews, financial tips, and much more. Topics covered include military and veterans benefits for active duty, Guard, Reserves, retirees, dependents, and more. Also included: VA disability benefits, VA Loans, GI Bill, military retirement, saving money, and investing.

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