Best Brandon Lovingier Podcasts (2024)

1
DCFSA | Dependent Care Flexible Spending Account for Military | Possible $5,000 Tax Benefit | With Brandon Lovingier, the Enlisted Money Guy #143 17:30

9d 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! …

1
Required Minimum Distributions (RMD) | Roth vs Traditional | How RMDs Affect Military Finances, Inherited IRAs #145 25:49

3h 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…

1
Gap Funds for FIRE | How to Save for Early Retirement in Taxable Accounts for Military #144 30:28

2d 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…

1
Amex Pop-Up Jail, TSP Contributions, Combining Accounts, Low Fee Investments: Reader Question & Answers #142 58:31

16d 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…

1
Air Force Pilot: Buying Multiple Homes on Active Duty, Building Wealth, Teaching Financial Habits to Your Troops with Garrison #141 37:03

23d 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…

1
Military Financial Readiness Study | Tom McLean & Jodi Vickery from Armed Forces Bank #140 33:32

1M 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 …

1
Enlisted Success Story! $500,000+ Invested by Age 31 | Financial Independence by 38 | Darren Thedieck #139 48:29

1M 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…

1
Health is Wealth | Physical Wellness and the Connection to Financial Wellness | Increasing your Healthspan and Enjoying your Wealth #138 25:53

1M 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 …

1
Vanguard Founder Jack Bogle: 10 Step Wealth Building Bogleheads Investing Philosophy for the Military #137 28:38

2M 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…

1
New TSP Fund: L2070 Lifecycle | What are Lifecycle Funds? Are Lifecycle Funds a Good Option? #136 19:11

2M 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…

1
Dave Ramsey 7 Baby Steps - Do They Work for Military Families? | How to Get Out of Debt, Build Wealth, Give Generously #135 29:32

2M 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…

1
Don't Buy a House on Active Duty | Reduce Stress, Hassle, and Build Liquid Wealth While Renting #134 38:05

3M 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…

1
Listener Success Story! Travel Hacking Military Honeymoon to Tahiti | Free Flights and Hotels for Military with Brian #133 46:50

3M 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: …

1
Military Officer's Guide to Money | Building Wealth for Army, Navy, Air Force, Marine, Space Force, Coast Guard, NOAA, USPHS Officers #132 52:55

3M 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…

1
Enlisted Military's Guide to Money | Advice for New Military Members, Boot Camp & First Paycheck #131 50:06

3M 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…

1
Military Taxes, State Tax Laws & Spouse Side Hustles | Military Spouse Residency Relief Act | Military Tax Experts Alliance w/ Paul Allen #130 43:37

4M 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…

1
Tips for Separating from Active Duty, Avoiding Index Universal Life Insurance (IUL), and Military Entrepreneurship with Erik Baskin #129 41:24

4M 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…

1
Continuation Pay Calculation & Timing With BRS & TSP With Brandon Lovingier, the Enlisted Money Guy #128 27:53

4M 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…

1
12% TSP Returns? How Long to Become a TSP Millionaire #127 32:24

4M 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…

1
Upgrading Flights on Military TDY / TAD with Points and Miles #126 12:47

5M 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…

1
Find a Financial Advisor You Can Trust | Nectarine with Jeremy Schneider @PersonalFinanceClub | #125 43:45

5M 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…

1
36 - Crosspost from the Financial Feels Podcast 22:55

5M ago22:55

22:55

This was an episode I recorded on the Financial Feels podcast. I had a great conversation with Melissa Mazard! We talked about my childhood, joining the military, my relationship with money and my wife, and many other deep and interesting topics around money. I hope you like it!

1
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

5M 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…

1
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

5M 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…

1
Should You Own Stocks? | with Hamilton Brandenburg 36:08

6M ago36:08

36:08

The challenges of owning individual stocks, and how we invest for our clients. Whether you're a DIY investor, or a client of a traditional firm, this episode is a MUST listen.By Rick Luchini

1
"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

6M 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…

1
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

6M 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…

1
Amex Family Language Rules | Updated Restrictions for Military Credit Cards | Revised Credit Card Strategy for Military #120 16:50

6M 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…

1
When to Take Social Security | More Than Just Math 32:28

6M ago32:28

32:28

Today's discussion covers the factors to consider before taking your social security. Listen to how we help clients choose the right age to claim social security benefits. Subscribe on YouTube: https://www.youtube.com/channel/UCbXaSLydoMX7P_kDc5tYmyQ Check out more from Hamilton: https://brandenburgfs.com/…

1
Military Tax & Spouses: "Which State Do I File Taxes In?" Military Spouse Residency Relief Act (MSRRA) with Kate Horrell # 119 23:44

6M 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…

1
How to Afford Health Insurance In Retirement - Before & After 65 | with Jocelyn Wolf 31:37

7M ago31:37

31:37

Thinking of retiring before 65? Don't Miss This One! Today I shed light on Health Insurance in retirement with the help of insurance expert Jocelyn Wolf. We cover how to get affordable coverage before 65, and some pitfalls to avoid now, and after switching to Medicare. Although we mention our local state's exchange, most of these same techniques an…

1
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

7M 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…

1
Taking Control Of Your Financial Journey | with Brandon Lovingier 36:34

7M ago36:34

36:34

Today is an important discussion around mindset for any stage of your financial journey. Listen as we discuss finding balance between saving and living, and defining success on your own terms. Enjoy! My guest, Brandon Lovingier, ChFC®, MQFP® aka The Enlisted Money Guy™, has served over 18 years in the Army – including deployments to Iraq and Afghan…

1
TSP I Fund Change 2024 | New Index Will Increase Exposure to Emerging Markets | TSP for Military #117 22:27

7M 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…

1
Stop Living Paycheck to Paycheck | with Ohan the Money Doctor 34:37

7M ago34:37

34:37

Ohan "The Money Doctor" is a certified financial planner who helps beginner investors navigate their financial challenges. In this episode, he passionately dispels financial myths and underscores the importance of accessible financial education. Listen in as he offers practical tips to those earning six-figure salaries but living paycheck to payche…

1
Can I Contribute to a Roth IRA & Roth TSP? | IRA vs TSP Limits are Different! #116 2:35

7M ago2:35

2:35

Roth limits? IRA limits? TSP limits? We get this question often: "How much can I contribute to my Roth each year?" There are several DIFFERENT limits at play here and lumping them all as "Roth" isn't quite correct. Public Service Announcement: Roth IRA is not the same as Roth TSP. You can contribute your maximum to your Roth IRA and still the maxim…

1
How To Spend In Retirement | with Hamilton Brandenburg 49:45

7M ago49:45

49:45

Today's episode is all about retirement income planning. I chop it up with Hamilton Brandenburg, a virtual financial planner focusing on helping retirees spend money and save on taxes. If you're doing your own napkin math and considering retirement, this episode will give you a lot to start thinking about. Check out more from Hamilton: https://bran…

1
Free Hertz's Elite Status for Military | Hertz President Circle | Rental Car Benefits for Military Servicemembers and Spouses #117 15:16

7M ago15:16

15:16

Want elite status with Hertz for free? Want to skip the line at the rental car counter? Want a free upgrade? Easy! As a military servicemember or spouse, you get top-tier credit cards with amazing benefits like this with no annual fee. Today we discuss: What is Hertz President's Circle? How do military servicemembers and spouses get this elite stat…

1
Maximizing Happiness, Not Just Wealth | A Modern Approach to Financial Advice 35:59

7M ago35:59

35:59

Exploring an unconventional approach to financial advice with Aaron Buchner, Financial Planner and owner of Cactus . Aaron discusses balancing living in the moment with future planning. We challenge the traditional emphasis on retirement and building wealth, suggesting that you should prioritize happiness and fulfillment in your work and personal l…

1
$14,000 Profit to PCS Yourself?! | Jamie's Personally Procured Move (PPM) or Partial DITY PCS #114 25:03

7M ago25:03

25:03

In this episode, Jamie transparently shows how he profited over $14,000 from his last PCS by doing a full PPM (Personally Procured Move). The government will pay you 100% of the amount they would pay a contractor to ship your HHG. It's not easy, but you can earn a lot of money with this strategy. We talk through the pros and cons of handling yourse…

1
PCS Pet Reimbursement | Up to $2,000 for Your Dog or Cat | Military PCS with a Pet #113 15:56

8M ago15:56

15:56

The DoD now allows up to $500 for a CONUS move and up to $2,000 for an OCONUS move for one pet per household. This benefit begins for any PCS effective dates of 1 January 2024 or later. We discuss exceptions, mil-to-mil benefits, documentation requirements, and more! Our new TSP course is live! Check out the Confident TSP Investing course at milita…

1
Credit Card Tracking App Travel Freely with Founder Zac Hood: Grateful Travel + Secret Cash Back Cards #112 35:20

8M ago35:20

35:20

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 accoun…

1
MilTax: Free Tax Prep for Military w/ Military One Source | Tax Planning + Tax Prep #111 33:59

8M ago33:59

33:59

It's tax season! Start collecting your 1099s, W-2s, and charitable donations. Whether you do your own taxes or not, you'll need all the documentation ready to go. Most military families should be able to do their own taxes via MilTax from MilitaryOneSource, especially if you have W-2 income only with a simple tax situation. The software is FREE, ou…

1
35 - What is Enough? 8:04

9M ago8:04

8:04

How do you define enough I know for me this is kind of a difficult question and it's something that I wanna get into a little bit deeper this month with some of my other writing and I just think about this in terms of so many things um you know I mean is this money is it time is it lifestyle is it freedom and you know for me I think there's a littl…

1
Top 3 Things To Do for Your Financial Situation This Year | Money Goals in the New Year #110 25:10

9M ago25:10

25:10

Are you stressed about money? Do you have a lot of debt? What are you general feelings about money and your future? In this episode we cover the top 3 things to do with your money this year. No, there's no gimmicks or get-rich-quick schemes. Just simple and easy-to-follow, pracitical advice: Clarify your goals Add a little bit more to your retireme…

1
34 - Money Day 2024 Was a Success! 5:23

9M ago5:23

5:23

Read my article on Enlisted Money If you’re a money nerd like me, you’ll love creating your own little “holiday” for it – Money Day! I originally got this concept from J.D. Roth’s blog, Get Rich Slowly. Our annual Money Day has evolved over the years, but it’s a great forcing function to keep us on track financially. This also serves as an excuse f…

1
33 - Hunting for a New High-Yield Savings Account HYSA 7:30

9M ago7:30

7:30

It has been years, actually, over a decade since we changed banks for our high-yield savings account (HYSA). But this is the year, I had a bad experience. I’m actually kind of embarrassed about it, but more on that later. Long story short, we were not being valued as loyal customers and I refuse to stay with a bank that treats me unfairly. Housekee…

1
Military Financial Advisors Assocation (MFAA) | How to Find a Good Financial Advisor and When You May Want One with Sean Gillespie, MQFP #109 35:59

9M ago35:59

35:59

What is the MFAA or who is it? How do I find a good financial advisor who has my best interests in mind and understand the uniqueness of military families' finances? When is the right time to see a Cerified Financial Planner? In this episode with Sean Gillespie from the Military Financial Advisors Association (MFAA). Sean began his second career as…

1
32 - I'm Back! Kind of... 3:11

9M ago3:11

3:11

By Brandon Lovingier

1
Ramit Sethi's 10 Money Rules | How Do They Apply to Military Families? #108 40:54

10M ago40:54

40:54

Can you boil down all the best financial advice into a perfect list of 10 items that all work for our military listeners? Ramit Sethi's book "I Will Teach You to be Rich" is one that we reference often. In this episode, we review Ramit's 10 Money Rules, how they fit into our personal investing philosophies, and how military servicemembers can apply…

Podcasts Worth a Listen

Brandon Lovingier Podcasts

Podcasts Worth a Listen

Quick Reference Guide