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The Military Money Manual Podcast

The Military Money Manual Podcast

Von: Spencer Reese from MilitaryMoneyManual.com
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 Military Money: Investing, spending, saving, financial freedom, and getting out of debt. Real world tactics and strategies for active duty, Guard and Reserve, military spouses, veterans, enlisted, and officers. The Military Money Manual Podcast is all about achieving financial independence while you serve in the US military. Spencer and Jamie, Air Force officers, share everything you need to know to achieve your financial goals while you serve in our Armed Forces. Learn about Military Credit Card annual fee waivers exclusively for active duty, Guard, Reserve, and military spouses in the Ultimate Military Credit Cards Course at https://militarymoneymanual.com/umc3 Find Spencer's 5-star rated book, The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or shop.militarymoneymanual.com Special military credit card benefits, points and miles, investing in the TSP, financial independence, retiring early, military FIRE, maximizing military pay, deployment finances: Jamie and Spencer cover it all. Your hosts are Spencer Reese and Jamie. Spencer served for 12 years in the US Air Force flying C-17 aircraft around the globe. Jamie is currently an active duty Air Force officer.Copyright © 2025 Spencer Reese Persönliche Finanzen Reiseliteratur & Erläuterungen Sozialwissenschaften Ökonomie
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  • Military Retirement Planning 2-3 Years Out with Omen Quelvog #216

    Military Retirement Planning 2-3 Years Out with Omen Quelvog #216
    Feb 16 2026
    Did you know your military pension is worth over $1 million? Most service members approaching retirement don't realize they're already work optional - and that changes everything about the decisions you should be making right now. In this episode, retired Marine and CFP Omen Quelvog reveals why the highest-paid contractor job might be the worst choice for your future, how to discover what you're actually curious about (not just good at), and why you need to attend TAP twice. Plus: the new TSP Roth conversion opportunity that could save you hundreds of thousands in taxes. Key Topics Covered Transition Planning Financial Strategy TSP Roth Conversions Career & Lifestyle Finding Financial Help Resources & Links Military Financial Advisors Association (MFAA) - Fee-only CFPs with military background https://militaryfinancialadvisors.org/Fee-Only Network - Directory of fee-only advisors https://www.feeonlynetwork.com/Nectarine - Book CFP consultations https://www.hellonectarine.com/TSP Roth Conversion Calculator https://www.tsp.gov/ Connect with Omen: Fororer Wealth Management - Omen's fee-only financial planning practice https://4myndr.com/The Fiscal Foxhole Podcast - Omen Quelvog & Rob Moore https://fiscalfoxhole.com/ Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
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    59 Min.
  • Military Spouse Credit Cards: Annual Fee Waivers & 4 Myths Debunked with The Military Travelers #215

    Military Spouse Credit Cards: Annual Fee Waivers & 4 Myths Debunked with The Military Travelers #215
    Feb 9 2026
    Spencer Reese welcomes Amy and Taryn, two of the three military spouses behind the booming Military Travelers Facebook Group, 25,000 members strong! Together, they debunk four major myths about military credit cards and share how military families can unlock thousands of dollars in travel perks—without falling into debt. Whether you're brand new to award travel or a seasoned cardholder looking to optimize your benefits, this episode is packed with practical, real-life strategies that can help you fly business class for almost free, book luxury hotel stays, and even score $18K+ in annual perks—all while building excellent credit. Main Topics Covered: The Origin of the Military Travelers Facebook Group How a chance basement conversation turned into a movement for military spousesThe viral growth of the group from a few neighbors to 25K+ members Debunking the 4 Biggest Military Credit Card Myths Myth: Only active duty service members get annual fee waivers Truth: Military spouses can get their own fee-waived cards Difference between being an authorized user and having your own account Myth: One card is enough to earn free trips Why relying on just one card (like Amex Platinum) limits your rewards How strategic "welcome bonus" stacking earns 10x more points Myth: Opening many credit cards means you're in debt Using credit cards like a debit card: no debt, no interest, all rewards Real stories of people earning big while maintaining $0 balances Myth: Opening multiple cards hurts your credit How smart credit use improves your score (700–800+) Breaking down the credit score formula for military families Getting Started: Best First Cards for Military Spouses Amex Gold and Chase Sapphire Preferred explained Building credit as a non-U.S. citizen military spouse Maximizing Military Perks (Even Beyond Travel) Earning and tracking $18K+ in annual card benefits Tips for using credits for everyday needs like holidays, gifts, and subscriptions Managing Multiple Cards Without Overwhelm Tools: Travel Freely app (with military mode)Systematizing applications for P1/P2 (you and your spouse)How to know which card to open next Key Questions Answered: How can military spouses get credit cards without income? What counts as household income on credit applications? How do military benefits apply to foreign spouses? Is it really worth it to open more than one card? Can credit card usage hurt my credit score or lead to debt? How do I track and manage multiple cards without going crazy? Resources & Mentions: Military Money Manual Ultimate Military Credit Card Course Military Travelers Facebook Group Travel Freely App – Card tracking tool with military mode Military Travelers' Beginner's Guide and Next Steps Guide Episode 112 with Travel Freely Founder Zach Hood Budget Apps Mentioned: YNAB (You Need a Budget) Connect with the Guests: Instagram: @themilitarytravelers Website & Blog: TheMilitaryTravelers.com Enjoying the Show? Please consider rating and reviewing the podcast to help other military families discover these valuable insights and perks. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
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    46 Min.
  • Military Medical Retirement: VA Disability, IDES, PEBLO, PEB, MEB, + More #214

    Military Medical Retirement: VA Disability, IDES, PEBLO, PEB, MEB, + More #214
    Feb 2 2026
    In this episode, Spencer Reese is joined by Paul, a recently medically retired National Guard officer, and Joel Petit, a military disability retirement attorney, to break down the medical retirement process, VA disability ratings, and how IDES really works. What We Cover Medical retirement vs. standard 20-year longevity retirement When medical retirement can make sense financially How the IDES (Integrated Disability Evaluation System) works Common misconceptions about VA disability and "100% ratings" The role of PEBLOs, medical boards, and appeals Financial impacts on retirement pay, VA compensation, and Tricare Why many service members are discouraged from pursuing medical retirement Key pitfalls, timelines, and why being proactive matters Advice for putting yourself and your family first during transition Who This Episode Is For Active duty, Guard, and Reserve members nearing separation or retirement Service members facing medical issues that impact continued service Anyone confused about VA disability, medical boards, or retirement options This episode pulls back the curtain on a complex system and gives practical, real-world insight into how to navigate medical retirement the right way. Resources Mentioned Guest: Joel Pettit Website: https://joelpettitlaw.com/Instagram: @JoelPettitLawYoutube: https://www.youtube.com/@The_PEB_Channel Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
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    1 Std. und 28 Min.
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