Best Coastguard Podcasts (2025)

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Raising Money Smart Kids in Military Families with Daniel Kopp #164 56:58

7d ago56:58

56:58

How to teach your military kids about healthy and positive money habits, set expectations for college, use the GI Bill, and leverage 529s and other investment accounts for your military family. With today's guest, Daniel Kopp, we discussed: Teaching kids spending, saving, and giving buckets Teach, demo, supervise with your kids Give them chances to…

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5 Money Questions to Future Focus Your Spending #163 36:02

14d ago36:02

36:02

Making your money more focused on your future expenses, goals, and desires. We were inspired by the updates to the YNAB method to share these powerful questions and help your family become more intentional and proactive. Main themes from today's episode: Use these 5 questions to give every dollar a job for what matters to you What to do when you fe…

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"Will the Stock Market Crash in 2025?" Plus Military Transition, Backdoor Roth IRAs with Brian "ALF" O'Neill, Winged Wealth #162 53:40

21d ago53:40

53:40

"What's the mission for this money?" "Wealth is what you DON'T see." "Go find something you're really excited about." "Contributions, Conversion, Characterization." "It's OK to follow your curiosity!" This episode is full of gems of wisdom from ALF. Some major questions include: Do political changes adjust my investing strategy? How do I fight agai…

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Military Credit Card Update 2025 | Military Annual-fee Waived Credit Cards Explained #161 31:29

28d ago31:29

31:29

Military servicemembers and their spouse can get annual fees waived on personal cards from top banks such as American Express and Chase! Today's episode covers: What's the big deal about these cards? Why are they good? How does this waiver thing work? What order should I open my cards in? How far can I take this? Is it going to be complicated? How …

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Air Force Pilot Bonus 2025 Update | Up to $600,000 Bonus #160 24:16

1M ago24:16

24:16

The 2025 Air Force pilot bonus is out! This episode is specifically for USAF pilots (or anyone else oddly interested in the numbers). There are also bonuses for CSOs/Navs, RPA pilots, and ABMs, although we focus specifically on the pilot bonus. There are a few types of bonus money available this year for those who UPT ADSC expires in FY25, FY26, or…

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Money Can be Simple | How to Reduce Stress with your Finances #159 18:39

1M ago18:39

18:39

Money doesn't have to cause stress. It doesn't have to be complex. It doesn't have to require a lot of time to build wealth. Learn how to simply your: Budget Bills Investment Tracking Links: Money for Couples podcast w/ Ramit Sethi LADS Philosophy, episode #158 Money Scripts episode #82 w/ Daniel Kopp YNAB app Monarch money For a limited time, Spen…

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Tales of Honor Podcast Has Ended 4:42

1M ago4:42

4:42

Thank you so much to all who have helped make this show what it is. Thank you for all the likes, the shares, the downloads, the comments, and the friendships.By Christof Ambrosch

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LADS Principle: Low-Cost, Automatic, Diversified, and Simple #158 41:38

2M ago41:38

41:38

Low-cost, Automatic, Diversified, Simple (LADS). Consistent, automatic savings poured into my simple and diversified index funds at low costs have been the cornerstone of my successful investment portfolio. Low-cost: Select low-cost index funds with low-cost expense ratios. All of the funds in the TSP meet these criteria and many Vanguard funds do …

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Cybersecurity 101: Credit Freezes, 2FA, & Tips for Military Families #157 18:03

2M ago18:03

18:03

Protect your credit, protect your identity, and keep your money safe online. You can easily freeze your credit with each of the 3 credit bureaus to ensure no one can open accounts in your name. You don't need to pay for credit monitoring service in most cases or pay to know your credit score. It's very simple and easy to quickly unfreeze your credi…

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Always Do Roth | Roth vs Traditional for Military Families #156 29:34

2M ago29:34

29:34

Roth is the way to go for almost all military families. Because of the unusually low taxable income military families have (since allowances like BAH and BAS aren't taxable income), we're going to take a hard stance on this one and show the benefits for Roth: You can always access your Roth contributions tax free and penalty free (can help with gap…

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"Why?" | A Powerful Question You Can Ask Yourself to Get to the Heart #155 32:05

2M ago32:05

32:05

Dissect your money stories, the traditions you've adapted from culture and your family of orgin to understand WHY you make the money decisions you make each month? What are money stories you tell yourself? Money is _____. Why do you value what you value? Why do I think ____ about money Does this belief still serve me? Links: Our podcast episode on …

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Merry Christmas, Happy Holidays, & a Happy New Year in 2025 from Jamie & Spencer! 1:40

3M ago1:40

1:40

Merry Christmas from the entire Military Money Manual team! What a year... We hit 250,000+ total downloads this year. Not bad for two pilots who didn't know how to podcast when we started. We're looking forward to helping everyone with their military money next year.

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2025 Max Out Your TSP & Earn Full 5% BRS Match #154 19:21

3M ago19:21

19:21

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 particip…

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Financial Wisdom from the Almanack of Naval Ravikant #153 39:10

3M ago39:10

39:10

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 mind…

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Tax Intro: What Military Families Need to Know About US Tax Code to Max Your Paycheck #152 33:47

3M ago33:47

33:47

Tax advantages, confusing tax brackets, marginal vs effective tax rates, and more! Spencer and Jamie discuss how military service members benefit from unique tax advantages, including untaxed allowances and combat zone tax exclusions. They also break down real examples of effective tax rates for different ranks and locations, explain tax brackets, …

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"Where Do I Invest Cash?" Holding a PCS House Down Payment #151 27:11

4M ago27:11

27:11

Spencer and Jamie address a listener question about where to save money for a house down payment, which leads to a broader discussion about short-term savings strategies based on different time horizons. Main Topics & Questions Covered: Where to save money for a house down payment How to handle proceeds from a home sale while waiting to buy another…

1
2025 TSP & IRA Contribution Limits: $23,500 & $7,000 #150 5:17

4M ago5:17

5:17

2025 contribution limits are out! In this episode, Spencer and Jamie discuss the newly announced IRS contribution limits for retirement accounts in 2025. They break down the changes for 401(k), TSP, and IRA accounts, explaining the limits for both standard and catch-up contributions, while also highlighting an important opportunity for military fam…

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Blended Retirement System | BRS Pension, Matching Contributions, Continuation Pay #149 23:11

4M ago23:11

23:11

Do you still get a pension under the BRS? YES! We can't believe this myth and misinformation is still spreading around the military. Spencer and Jamie break down the three components of the military's Blended Retirement System (BRS) and address common misconceptions. They explain how the pension calculation works, discuss TSP matching benefits, and…

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Money Mindset | Growth vs Fixed #148 27:17

4M ago27:17

27:17

"I'll always be broke." "I can't build wealth with this salary." "I'm just a spender- I can't help it." In this episode, Jamie and Spencer discuss how adopting a growth mindset versus a fixed mindset can transform your approach to personal finance. Drawing from Carol Dweck's book "Mindset: The New Psychology of Success," they explore how changing y…

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"I Only Want 1 Credit Card!" Best Military Credit Card Strategies for 1, 3, or 5+ Cards #147 30:17

4M ago30:17

30:17

This may surprise you! Want to experience an easier and simplified strategy for military credit cards? That's fine! We'd ask "why" you don't want more, but in today's episode we share which cards we'd recommend for listeners who reach out wanting smaller numbers. Links: Ultimate Military Credit Cards course (free) Chase Sapphire Reserve (CSR) Amex …

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HCFSA for Military | Health Care Flexible Spending Account Worth It for Military Families? #146 13:07

5M ago13:07

13:07

A new benefit for military families! How good is it? In fall of 2024, SecDef announced a new Healthcare Flexible Spending Account (HCFSA) for military families. In March 2025, you'll be able to sign up for it for the first time. It may give you a minor tax savings but also may complicate your situation a little. We break down the details of this pr…

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Required Minimum Distributions (RMD) | Roth vs Traditional | How RMDs Affect Military Finances, Inherited IRAs #145 25:49

5M ago25:49

25:49

Did you know Required Minimum Distributions (RMDs) will be a factor in your future that you may not be tracking? If you have any traditional TSP or IRA money, you'll be required to take a portion of that money starting at 73 (as of 2024, scheduled to go up to 75), and that distribution will be taxable income. This can affect how to withdraw from ac…

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Gap Funds for FIRE | How to Save for Early Retirement in Taxable Accounts for Military #144 30:28

5M ago30:28

30:28

How do you finance the life between possible early retirment and 59.5 years old when you can access you retirement accounts? A gap fund is one common approach. Today we discuss: What is a gap fund? Is it necessary? Where does it fall in priority order when saving for early retirement? How do you invest a gap fund? For a limited time, Spencer is off…

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DCFSA | Dependent Care Flexible Spending Account for Military | Possible $5,000 Tax Benefit | With Brandon Lovingier, the Enlisted Money Guy #143 17:30

5M ago17:30

17:30

Dependent care flexible spending account- is it even worth your time? (note: this is different than the HEALTHCARE FSA which was announced in Sept 2024- we have an episode coming out on that in a few weeks) Open season is coming up in mid-November to mid-December! For a limited time, Spencer is offering one-on-one Military Money Coaching sessions! …

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Amex Pop-Up Jail, TSP Contributions, Combining Accounts, Low Fee Investments: Reader Question & Answers #142 58:31

6M ago58:31

58:31

In this mailbag episode, Spencer and Jamie answer various listener questions about investing, credit cards, and military-specific financial topics. They provide insights on compound growth, TSP options, Roth vs. Traditional accounts, credit card strategies, and investment return estimates. Questions discussed: - Is there a benefit to combining mult…

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Air Force Pilot: Buying Multiple Homes on Active Duty, Building Wealth, Teaching Financial Habits to Your Troops with Garrison #141 37:03

6M ago37:03

37:03

$85,000 in debt and a brand new truck to a wealthy and generous life?! In this episode, Air Force officer Garrison shares his financial journey from $85,000 in debt to working towards financial independence. He discusses following Dave Ramsey's Baby Steps, buying a home in the military, running a crash pad rental business, and helping his Airmen wi…

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Military Financial Readiness Study | Tom McLean & Jodi Vickery from Armed Forces Bank #140 33:32

6M ago33:32

33:32

The May 2024 Military Family Financial Readiness study from Armed Forces Bank highlighted unique financial challenges military families faces due to the nature of their service. Today, Spencer and Jamie are joined by Tom McLean and Jodi Vickery, hosts of the Militarily Speaking podcast, join us to discuss the financial challenges military families …

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Enlisted Success Story! $500,000+ Invested by Age 31 | Financial Independence by 38 | Darren Thedieck #139 48:29

6M ago48:29

48:29

Enlisted Airmen with half a million dollars invested?! Meet Darren Thedieck, US Air Force E-7 who was recently featured by CNBC. and Stripes. We talk very practical tips with Darren about how he learned to save, where he saves, speicific ETFs we like, and handling his family's journey from debt to financial independence. How to handle debt Where to…

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Health is Wealth | Physical Wellness and the Connection to Financial Wellness | Increasing your Healthspan and Enjoying your Wealth #138 25:53

7M ago25:53

25:53

What's the point of building wealth if you're not healthy enough to enjoy it? Today, Spencer and Jamie explore the connection between physical health and financial health. Although this is a slight diversion from our money-focused podcast, we want to encourage you to keep both portions of wellness in balance as you grow towards a wealthy life that …

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Vanguard Founder Jack Bogle: 10 Step Wealth Building Bogleheads Investing Philosophy for the Military #137 28:38

7M ago28:38

28:38

Does a simple Bogleheads style of investing work for military families? YES! The Bogleheads are followers of the philosophy of Vanguard founder John C. "Jack" Bogle. Live below your means Develop a workable plan Never bear too much or too little risk Invest early and often Diversify Invest with simplicity Use index funds when possible Keep Costs Lo…

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New TSP Fund: L2070 Lifecycle | What are Lifecycle Funds? Are Lifecycle Funds a Good Option? #136 19:11

7M ago19:11

19:11

The L2070 lifecycle fund is available now in your TSP as of July 2024. If you were born after 2005, this will be your default fund you'll be automatically enrolled to contribute to. This is for those of you who'll reach retirement age around the year 2070 (2068-2072 ish). We discuss what lifecycle funds are, what mix of C/S/I/F/G funds is in the L2…

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Dave Ramsey 7 Baby Steps - Do They Work for Military Families? | How to Get Out of Debt, Build Wealth, Give Generously #135 29:32

7M ago29:32

29:32

Dave Ramsey's 7 baby steps have helped millions of families. Do they work for military families? Today, we discuss each of the 7 baby steps and how they can work for military families. Both Spencer and Jamie started on the Dave Ramsey plan. We highly recommend the Total Money Makeoever book (check your base library- many have it for free), Financia…

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Don't Buy a House on Active Duty | Reduce Stress, Hassle, and Build Liquid Wealth While Renting #134 38:05

7M ago38:05

38:05

It's okay to rent on active duty! You don't need to buy a house to build wealth. You can safely ignore the push from VA loan sellers, real estate agents, and mortgage brokers. In this episode of the MMM podcast, Spencer and Jamie challenge the common belief that buying a house is essential for building wealth, especially for active duty military pe…

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Listener Success Story! Travel Hacking Military Honeymoon to Tahiti | Free Flights and Hotels for Military with Brian #133 46:50

8M ago46:50

46:50

Listener Brian joins us today to share how he used annual-fee waived credit cards to save about $6,000 on his honeymoon by saving big on his flights and hotel. Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course for FREE at militarymoneymanual.com/umc3. Big take-aways: …

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Enlisted Military's Guide to Money | Advice for New Military Members, Boot Camp & First Paycheck #131 50:06

8M ago50:06

50:06

New enlisted servicemember's guide to personal finance! In this episode, Spencer and Jamie share all the financial advice they'd share with a new enlisted troop in their unit. It is possible to accumulate and save while on active duty as an enlisted service member! If you're an officer, go check out episode #132 covering all the personal finance ad…

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Military Officer's Guide to Money | Building Wealth for Army, Navy, Air Force, Marine, Space Force, Coast Guard, NOAA, USPHS Officers #132 52:55

8M ago52:55

52:55

New officer's guide to personal finance! In this episode, Spencer and Jamie share all the financial advice they'd share with a new officer in their unit. You CAN become rich on active duty as a military officer! If you're an enlisted servicemember, go check out episode #131 covering all the personal finance advice for an enlisted member. Topics inc…

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Military Taxes, State Tax Laws & Spouse Side Hustles | Military Spouse Residency Relief Act | Military Tax Experts Alliance w/ Paul Allen #130 43:37

9M ago43:37

43:37

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 f…

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Tips for Separating from Active Duty, Avoiding Index Universal Life Insurance (IUL), and Military Entrepreneurship with Erik Baskin #129 41:24

9M ago41:24

41:24

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. Real-estate returns, disability insurance, time-blocking techniques, and more! Erik Baskin is a Certified Financial Planner (CFP) and Air Force veteran. He's a fee-on…

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Continuation Pay Calculation & Timing With BRS & TSP With Brandon Lovingier, the Enlisted Money Guy #128 27:53

9M ago27:53

27:53

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. I…

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12% TSP Returns? How Long to Become a TSP Millionaire #127 32:24

9M ago32:24

32:24

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! 12% annualized return in my TSP?? Take an inside look at Spencer's actual TSP numbers to show exactly how quickly your account can grow once you start contributing to…

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Upgrading Flights on Military TDY / TAD with Points and Miles #126 12:47

10M ago12:47

12:47

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. You can easily explore flight upgrades on your TDY travel flights. It's 100% legitimate and in line with government regulations and JTR. After using government contra…

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Find a Financial Advisor You Can Trust | Nectarine with Jeremy Schneider @PersonalFinanceClub | #125 43:45

10M ago43:45

43:45

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. Finance advise doesn't have to be confusing and depressing. Most of the "financial advisors" are actual salesmen. (Check out the 4 types of financial advisors.) So ho…

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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 36:06

10M ago36:06

36:06

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: 529…

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Earn 1 Million Credit Card Points without Annual Fees | Secret 25% Cash Back Cards | Using Rewards to Max Out Your Roth IRA #123 34:21

10M ago34:21

34:21

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. Military families can earn 1 million points without annual fees?! You're not going to earn a lot of points from spending. You need to focus on earning welcome bonuses…

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"E-4s Don't Make Enough to Save" | Myths & Mindsets Keeping Enlisted Troops from Saving Money | TSP Fund Confusion & Other Financial Lessons from a Young Marine, Devin Daniels @Knuckledraggerz | #122 43:36

11M ago43:36

43:36

An E-4 with over $50,000 in savings in one tour?! Devin is an E-4 in the USMC who shares tips about military life, budgeting, and saving money on social media. He's done a superb job of transparently showing how a young, enlisted servicemember can cut costs and save for their future. He also challenges the mindset that you don't make enough to save…

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The Financial Value of a Military Spouse | Military Spouse Roth IRAs | Financial Goals and Insurance Needs for Stay-at-Home Spouse | Colleen Salchow #121 33:55

11M ago33:55

33:55

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. Highlights of this episode include: How to ensure spouse feels like they're contributing financially, even as a stay-at-home spouse Setting goals as a spouse Does a s…

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Amex Family Language Rules | Updated Restrictions for Military Credit Cards | Revised Credit Card Strategy for Military #120 16:50

11M ago16:50

16:50

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 r…

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Military Tax & Spouses: "Which State Do I File Taxes In?" Military Spouse Residency Relief Act (MSRRA) with Kate Horrell # 119 23:44

11M ago23:44

23:44

Spouse residency rules can sometimes feel very confusing. But today, Kate Horrell helps understand the rules and requirements regarding which state servicemembers and their spouses can use for tax filing purposes. We cover things like: What is the SCRA? What is the Military Spouse Residency Relief Act? What have the recent laws changed regarding mi…

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Advanced Personal Finance Topics for High Net Worth Military Families | High Net Worth Military Finances | Protecting your Assets, Tax Planning, and Investment Fees #118 48:27

11M ago48:27

48:27

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. High-income, high net worth, or dual military couples, this episode was made for you! While not all of our audience will directly relate to today's topics, we hope th…

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TSP I Fund Change 2024 | New Index Will Increase Exposure to Emerging Markets | TSP for Military #117 22:27

12M ago22:27

22:27

New (and positive) I Fund changes coming to your TSP in 2024! The I Fund update during 2024 will include more emerging markets, increasing and diversifying your international exposure. This is a positive change. In this episode we explain the benefits of the change, what it means for you, and what action is required on your part to take advantage o…

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