
The Military Money Manual Podcast
Spencer Reese from MilitaryMoneyManual.com
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Top 10 The Military Money Manual Podcast Episodes
Goodpods has curated a list of the 10 best The Military Money Manual Podcast episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to The Military Money Manual Podcast for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite The Military Money Manual Podcast episode by adding your comments to the episode page.

Erik Baskin - BLUF Finance, Side Hustles on Active Duty, & Military Separation #72
The Military Money Manual Podcast
03/13/23 • 69 min
Learn how to get your annual fees waived on premium credit cards from American Express and Chase in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.
In this episode, Jamie and Spencer Reese chat with Erik Baskin on life insurance, when it's appropriate to hire a financial advisor, and how to start a side hustle or business when you're on active duty. Learn more about what Erik is working on at BLUF Finance and Baskin Financial Planning.
If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email [email protected].
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 at or at shop.militarymoneymanual.com.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
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Amex Family Language Rules | Updated Restrictions for Military Credit Cards | Revised Credit Card Strategy for Military #120
The Military Money Manual Podcast
04/15/24 • 16 min
Want help refining your strategy for military credit cards? For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call.
American Express recently updated the requirements for earning a welcome bonus by adding family language restrictions to their cards. Learn all about what a "family" is and how to adjust your strategy for annual-fee waived cards for military servicemembers and their spouse!
Our new TSP course is live! 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're an E-4 or bleow, e-mail us at [email protected] for the free promo code.
If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

GI Bill, 529s & Yellow Ribbon Program | "529s Aren't Just for College: It's Just Another Tax-Advantaged Vehicle" | College Planning for Military Families with Kate Horrell #124
The Military Money Manual Podcast
05/13/24 • 36 min
For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call.
How to maximize your GI Bill, save using 529 accounts, and explore the Yellow Ribbon program? Kate Horrell tells us all about it in this episode where we discuss:- 529s are more flexible than most people realize (transfer to other family member, transfer $35,000 to a Roth IRA, other uses than just college)
- Scholarship awards allow you to take money out of the 529 (up to the amount of the scholarship)
- No one's ever been mad about having too much money saved in a 529
- In general, you can buy into a 529 from any state (doesn't have to be your state of legal residence or where you child may go to college one day)
- 529 Prepaid Plans are also available but not as good of a fit for most families
- When might you have "enough" saved for college?
- Yellow Ribbon program only applies to a semester where you're using GI Bill benefits. You can't use Yellow Ribbon benefits without using the GI Bill.
- Transfer your GI bill as soon as you can
- Evaluate which benefits are tied to an individual and which can be transferred around
- Look for scholarships
- Consider a 529 for your children after your basic needs are met
- Research Yellow Ribbon program options
- Consider working with Kate for 1-on-1 coaching the maximize your college options
- KateHorrell.com
- Kate's Military Family's Confidently Prepared Life Binder
- Yellow Ribbon program
- Find a participating school for Yellow Ribbon program
- Coaching with Kate Horrell
Our new TSP course is live! 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 or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Lump Sum Vs Dollar Cost Averaging #171
The Military Money Manual Podcast
04/21/25 • 14 min
Which is better, lump sum investing or Dollar Cost Averaging? Bottom line, neither is significantly better, although lump sum investing statistically wins slightly. The more important factor in you building wealth is that you invest consistently for the long-term!
Missing just the 10 best trading days between 2002-2022 would cut your returns by 50%. Don't play games when you know it's impossible to win. Just keep investing!
Links from today's episode:
- Vanguard white paper on lump sum vs. DCA
- Military Money Manual blog post on this topic
- How to Time the Market
- World's Worst Market Timer (only investing at the peak)
For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.
Our new TSP course is live! 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 or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

2025 Max Out Your TSP & Earn Full 5% BRS Match #154
The Military Money Manual Podcast
12/16/24 • 19 min
Spencer and Jamie explain how to maximize TSP contributions under the Blended Retirement System (BRS), including calculating monthly contribution percentages and avoiding common mistakes that could result in missing matching funds. They break down the 2025 contribution limits and discuss strategies for both BRS and legacy retirement system participants.
Here's the TSP BRS maximizing chart.
Questions discussed:
- What are the TSP contribution limits for 2025?
- How do Roth TSP and Roth IRA limits differ?
- How should you calculate monthly TSP contributions under BRS?
- What happens if you front-load TSP contributions under BRS?
- How do you handle mid-year pay increases?
- What should you do if you over-contribute?
- How do you adjust contributions if starting later in the year?
Resources mentioned:
- MilitaryMoneyManual.com/tsp
- TSP.gov
- MyPay
- r/MilitaryFinance subreddit
- Military Money Manual Instagram (@militarymoneymanual)
- TSP contribution calculator/chart on MilitaryMoneyManual.com
- NDAA 2025 proposed pay increases
- Blended Retirement System (BRS) overview
For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.
Our new TSP course is live! 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 or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Financial Wisdom from the Almanack of Naval Ravikant #153
The Military Money Manual Podcast
12/09/24 • 39 min
Biggest financial lessons from The Alamanc of Naval Ravikant
- 3 biggest decisions: where you live, who you’re with, and what you do
- Does money make you happy?
- How to get rich
- Outsourcing
- 3 way to retire
- Cultivating wisdom
- Things money can't buy
Links:
- The Almanack of Naval Ravikant on Amazon
- Don't buy a house on active duty (episode #134)
- Money mindset podcast episode #148
For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.
Our new TSP course is live! 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 or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Military Taxes, State Tax Laws & Spouse Side Hustles | Military Spouse Residency Relief Act | Military Tax Experts Alliance w/ Paul Allen #130
The Military Money Manual Podcast
06/24/24 • 43 min
Taxes can be complicated. Military families have a number of unique concerns when thinking about their taxes- which state(s) to file in, how to withhold taxes, how a gig economy or side hustle affects the plan, how to handle rental property, etc.
Today's main points include:
- Common tax problems for military families
- Important tax implications for families with a rental property or side hustle
- Warning signs when looking at financial advisors
- Filing in multiple states
- Filing wholly on your own or wholly through a CPA are not your only options
For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call.
Links mentioned in today's show:
- PIM Tax Services
- MFAA- Military Financial Advisors Association
- Military Tax Experts Alliance
- MQFP search
- Nectarine service for financial advisor hourly meeting
- MilTax via Military One Source
- Paul Allen on LinkedIn
Our new TSP course is live! 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 or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

TSP Loan to Pay Off Credit Card Debt | Good Idea? #98
The Military Money Manual Podcast
10/16/23 • 22 min
In this episode, Spencer and Jamie answer a listener question about taking out a TSP (Thrift Savings Plan) loan to pay of debt.
Show notes can be found at militarymoneymanual.com/ep98
If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email [email protected].
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 at or at shop.militarymoneymanual.com.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

Credit Card Tracking App Travel Freely with Founder Zac Hood: Grateful Travel + Secret Cash Back Cards #112
The Military Money Manual Podcast
02/19/24 • 35 min
Today, Spencer talks with Zac Hood, founder of TravelFreely.com and CashFreely.net and their amazing apps that are free!
We personally use these apps to find the best offers on cash-back credit cards and travel cards. Zach's apps even monitor your Chase 5/24 status, recommend which card to get next and when, and track your annual fees (while accounting for the Military Lending Act waivers on credit card annual fees for military servicemembers and their spouses).
The apps are secure with no bank information or login info exchanged.
On today's episode, we discuss:
- Having a mindset of gratitude while traveling free on points and miles
- Tracking credit cards with an app, not a spreadsheet with TravelFreely and CashFreely
- How to find secret cash-back card offers and how to know which cards' welcome offer is the best value for you
Find Zac free apps and web-based software at militarymoneymanual.com/freely.
Our new TSP course is live! 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 or email [email protected].
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 at or at shop.militarymoneymanual.com.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops

Continuation Pay Calculation & Timing With BRS & TSP With Brandon Lovingier, the Enlisted Money Guy #128
The Military Money Manual Podcast
06/10/24 • 27 min
For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! Get your personal military money and investing questions answered in a confidential coaching call.
Confused about continuation pay? Join the club. Unfortunately, too many servicemembers and their leaders are confused about the continuation pay benefit in the BRS. In today's episode with Brandon Lovingier, ChFC®, MQFP® aka The Enlisted Money GuyTM, we share all you need to know to understand the benefit.
For active duty, it's currently:
- 2.5 times your monthly base pay in either a lump sum or up to 4 equal, annual payments.
For example, a monthly base pay of $4,252 x 2.5 = $10,630 bonus or $8,684 monthly base pay x 2.5 = $21,710 bonus (pre-tax)
Other important points from the episode:
- When am I eligible for continuation pay?
- Does it come automatically?
- Does the program vary by service?
- How does the payment come to me?
- Does it reduce my pension?
- What is the service commitment after taking the bonus?
- Does it impact my eligibility for other bonuses like a re-enlistment bonus or aviation bonus?
Links discussed:
- EnlistedMoney.com http://enlistedmoney.com/
- Brandon's Continuation Pay article https://enlistedmoney.com/continuation-pay-benefits/
- Air Force link (CAC restricted)
- Financial Readiness flyer on Continuation Pay https://finred.usalearning.gov/assets/downloads/FINRED-ContinuationPay-FS.pdf
- EnlistedMoneyGuy on Instagram https://www.instagram.com/enlistedmoneyguy/
Our new TSP course is live! 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 or email [email protected].
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.
I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.
The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.
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FAQ
How many episodes does The Military Money Manual Podcast have?
The Military Money Manual Podcast currently has 178 episodes available.
What topics does The Military Money Manual Podcast cover?
The podcast is about Army, Investing, Podcasts, Business, Government and Military.
What is the most popular episode on The Military Money Manual Podcast?
The episode title 'Erik Baskin - BLUF Finance, Side Hustles on Active Duty, & Military Separation #72' is the most popular.
What is the average episode length on The Military Money Manual Podcast?
The average episode length on The Military Money Manual Podcast is 36 minutes.
How often are episodes of The Military Money Manual Podcast released?
Episodes of The Military Money Manual Podcast are typically released every 7 days.
When was the first episode of The Military Money Manual Podcast?
The first episode of The Military Money Manual Podcast was released on May 1, 2021.
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