Best HPSP Podcasts (2025)

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HSCP vs HPSP + $500k Public Service Loan Forgiveness: Navy Medicine With LCDR Webster Felix #201 42:21

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11h ago42:21

42:21

Spencer Reese welcomes Lieutenant Commander Webster Felix, a Navy prosthodontist, for an in-depth discussion about maximizing military medicine benefits. Webb's journey from enlisted E6 dental student to O5 prosthodontist showcases the incredible opportunities available in military healthcare. This episode unpacks lesser-known scholarship programs,…

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Military to Civilian Transitions with Jesse Cramer, Personal Finance for Long-Term Investors #200 46:04

7d ago46:04

46:04

Spencer Reese, founder of the Military Money Manual, joins Jesse Kramer to discuss the unique financial landscape of military service and the critical transition to post-service life. Spencer separated from the US Air Force in 2022 after 12 years as a pilot and now helps military families reach financial independence through his book, podcast, cour…

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Plan Epic Trips on Military Leave: Travel Mission Planning - Hotels, Flights, Rental Cars, Credit Cards, Points, Miles - #199 31:56

14d ago31:56

31:56

Travel Planning with Points & Miles Join Spencer Reese and Jamie as they dive deep into the tactical strategies for planning and booking travel using credit card points and miles. This comprehensive guide walks through the entire process from initial flight searches to hotel bookings, with a focus on maximizing value while avoiding common pitfalls.…

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Government Shutdown 2025: 0% Loans from USAA, Navy Federal, Aid Societies | Military Pay, Emergency Funds, What To Do Now #198 12:43

19d ago12:43

12:43

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later …

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End Military Money Stress - 3 Tasks to Improve Your Money Relationship #197 36:15

21d ago36:15

36:15

Spencer Reese and Jamie deliver a no-nonsense, tough-love episode for military families struggling with paycheck-to-paycheck living. This episode cuts through excuses and provides three immediate, actionable steps to regain control of your finances and stop the financial bleeding. If you're stressed about money, fighting with your spouse about fina…

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Military Divorce - What You Need to Know and Do with David Smith #196 43:22

28d ago43:22

43:22

Think military divorce means automatically splitting everythign 50/50 and going to court? Wrong on both counts! Certified Divorce Financial Anaylst David Smith reveals what most military families get wrong and what it costs them! In today's episode, we'll discuss the complex financial and logistical aspects of military divorce, covering everything …

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Buy Now, Pay Later Traps for Military Families with Lacey Langford #195 16:54

1M ago16:54

16:54

Dont' fall for these traps! This "convenient" payment option could be sabotaging your financial future and even your security clearance! Military financial expert Lacey Langford returns to sound the alarm on what she calls "the new payday loan," Buy Now, Pay Later (BNPL) services. With over $170 billion in BNPL transactions this year and 91.5 milli…

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Amex Platinum Military 2025 Update: $895 Annual Fee Waiver, Unlock $3,500+ in Annual Value + New Benefits #194 28:03

1M ago28:03

28:03

New benefits are available immediately as of 9/18/25!! Learn how to apply for the The Platinum Card® from American Express: https://militarymoneymanual.com/amex-platinum-military/ Learn more about American Express military annual fee waivers: https://militarymoneymanual.com/american-express-military/ Learn how to maximize your military credit card …

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Find Your Military Financial Community | MilMoneyCon with Lacey Langford #193 19:00

1M ago19:00

19:00

"Rising tides lift all ships!" MilMoneyCon 2026 dates just released! May 26-28, 2026 in Savannah, GA. See https://milmoneycon.com/register/ The military finance community doesn't have to operate in silos. Through strategic networking and mentorship, veterans and military spouses can accelerate their finance careers while building a supportive ecosy…

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College Finances for Military Families | Kate Horrell's New Book #192 29:43

2M ago29:43

29:43

Is the wrong strategy for your GI Bill costing you over $100,000?! Today's guest is Kate Horrell, author of the new book "College Finances for Military Families," reveals why the "fair share" approach to education benefits might be the most expensive mistake military families make, GI Bill basics, and all the things to know about college for your m…

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Guard & Reserve: Financial Flexibility and Career Stability with Sam Lewis #191 39:23

2M ago39:23

39:23

Think your military career ends with active duty? Think again. Sam Lewis reveals how Guard and Reserve service can unlock financial freedom, career flexibility, and long-term stability...without sacrificing family life or future goals Guest: Sam Lewis, CFP®, ChFC®, MQFP Founder of SJL Financial | Delaware Air National Guard | Member of Military Fin…

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Military Life Insurance with Jerry Quinn, Armed Forces Mutual (AAFMAA) #190 49:25

2M ago49:25

49:25

How much life insurance do military servicemembers need? What about military spouses? Is SGLI enough? In this episode, Spencer Reese and Jamie sit down with Jerry Quinn, a 40-year Army veteran and executive at Armed Forces Mutual (formerly AAFMAA - American Armed Forces Mutual Aid Association), to discuss everything military families need to know a…

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Mini-Retirements and Sabbaticals for Military Veterans or Retirees with Justin Peters #189 52:47

2M ago52:47

52:47

Are Mini Retirements, Optionality, and Side Hustles Possible in the Military? From seven-month sabbaticals to turning a hobby into a thriving side business, Justin Peters from the FI Minded Podcast shares how dialing back work can supercharge your career, creativity, and financial freedom. Key Points & Topics Part-time work and mini sabbaticals Rec…

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Military Money Mentor | Financial Coaching for Military Families with Spencer Reese & Jamie #188 13:54

3M ago13:54

13:54

Financial Coaching & Money Mentor Opportunities Feeling confident in your research but stalled when it comes to taking action on your military family's financial plan? From TSP questions to credit card strategies, this episode explains how an hour with a dedicated coach can transform hesitation into clear, personalized next steps. Key Points & Topi…

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Credit Cards for Military Q&A | Military Credit Card Waivers and Strategies #187 20:49

3M ago20:49

20:49

Wondering how to unlock premium travel perks and avoid annual fees while serving on Active Duty, the Guard, Reserves? Or maybe you're a military spouse and curious if you qualify for the same protections and waivers? This episode dives deep into the ins and outs of MLA and SCRA protections, credit card strategies, and maximizing those free hotel ni…

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Gut Check! Remember How You Felt When the Market Dropped? #186 18:52

3M ago18:52

18:52

Remember when you were spooked by April's market dip? Spencer and Jamie unpack how to discuss your feelings of panic this past April, stay calm, stick to your investing philosophy, and make smart moves post-crisis. Key Takeaways: The S&P 500 dropped 19%, sparking fear, but headlines thrive on panic. Debriefing your emotional response helps clarify …

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Why Save for Retirement #185 29:03

3M ago29:03

29:03

If you've ever felt torn between soaking up life now and securing your future, you're not alone. In this episode, we explore what it really means to invest in "future you" and how to do it without sacrificing everything you love today. Whether you're a beginner or behind on savings, the best time to start is today. Key Points The Saver vs. Spender …

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Dual Military Millionaires: Financial Independence in 4 Years, Navy Lifestyle Tips, and Maintaining Connection as a Couple #184 1:02:48

4M ago1:02:48

1:02:48

Carol and Ken didn't just imagine a life beyond the military- they designed one. In just four years, they transformed from brand-new ensigns with zero TSP contributions into self-made millionaires. In this episode, we'll unpack the financial strategy, discipline, and teamwork that helped them achieve Lean FIRE (financial independence, retire early)…

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Chase Sapphire Reserve Military Update | $795 Annual Fee Still Waived, New Benefits #183 34:17

4M ago34:17

34:17

Spencer and Jamie break down all the major updates to the Chase Sapphire Reserve credit card and why military families should still consider it their top travel rewards card despite the annual fee increase to $795. What You'll Learn: Military Benefits That Make This Card a No-Brainer: How the Military Lending Act (MLA) waives the $795 annual fee fo…

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Target Military Discount | 10% off for 4th of July and Veterans Day #182 7:49

4M ago7:49

7:49

Bonus episode! Target is offering 10% off twice for verified military families! Here's a quick episode were Jamie shares everything you need to know to save big during this limited-time promotion. Whether you're prepping for a move or restocking your household essentials, this discount is an easy win. 🗓️ Promo Details: What: 10% discount at Target—…

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$5M by 40: Military Medicine FIRE | Benefits and Pay for Military Doctors with CPT (Dr.) Pritish Sahoo #181 56:38

4M ago56:38

56:38

What do you get when you combine a passion for service, a pivot to medicine, and a mastery of money? In this episode, Army doctor Pritish Sahoo breaks down how he leveraged military programs to fund $700K in education—and built a real estate empire along the way. Topics Covered: Pivot from engineering to medicine Navigating the HPSP (Health Profess…

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Why File for VA Disability | "I'm Good" and Other Lies Veterans Tell Themselves with Doug Nordman #180 48:36

4M ago48:36

48:36

Did you know even a 0% rating can unlock important benefits for you and your family? Why do so many veterans delay or avoid filing for VA disability compensation? It's not about the money—it's often about identity, pride, and a labyrinth of red tape. Doug Nordman joins Spencer to break the silence and stigma surrounding VA disability claims, while …

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Beyond Money Rich: Five Types of Wealth #179 55:12

4M ago55:12

55:12

Your net worth isn't the full picture of your wealth. Financial independence is great, but if your health, relationships, and purpose suffer, are you really wealthy? In this episode, Jamie and Spencer break down The Five Types of Wealth by Sahil Bloom and how to create a life that's truly rich—beyond just the numbers in your bank account. Overview:…

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529 Debate - Are 529s Helpful or Too Restrictive? Spencer & Jamie Have Differing Views on College Savings for Military Families#178 41:05

5M ago41:05

41:05

Too restrictive or a key part of a military families financial planning? Today's episode is a no-holds-barred discussion about the pros, cons, and real-life strategies behind 529 plans. Episode Summary: In this episode, Spencer and Jamie dive deep into the world of 529 college savings plans—a tax-advantaged tool designed to save for qualified educa…

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CZTE The Triple Tax Benefits of Combat Zone Tax Exclusion | Tax Free Pay for Military #177 20:01

5M ago20:01

20:01

Did you know there's a way to get tax-free income, tax-free growth, AND tax-free withdrawals—all legally? If you're in the military, you have access to one of the most powerful wealth-building tools that civilians can only dream of. Combat Zone Tax Exclusion (CZTE) is the golden ticket, and in this episode, we break down exactly how you can leverag…

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7 Levels of Wealth for Military Families | Everyone Starts Somewhere #176 35:30

5M ago35:30

35:30

Are you just trying to survive financially? Or are you on your way to building a lasting legacy? Discover the 7 levels of wealth adapted for military life and learn how to move from paycheck-to-paycheck living to financial freedom and abundance! This isn't about rank or time in service – it's about intention and systems. This episode is inspired by…

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PCS like a Pro! Our Top Tips for Military PCS, PPM, and Being Financially Ready #175 31:49

5M ago31:49

31:49

Navigating PCS Chaos, Saving Money, and Finding Adventure! PCSing is a constant in military life, often bringing stress, extra costs, and confusion. But it doesn't have to be a nightmare! In this episode, we dive deep into practical tips and strategies to help you survive your next Permanent Change of Station (PCS), save money, and maybe even make …

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Is Military Retirement Worth It? | Valuing Military Retirement w/ The Enlisted Money Guy, Brandon Lovingier #174 34:21

6M ago34:21

34:21

The military retirement is one of the best benefits in the world... but is it worth the cost in years of your life? Summary: How is military retirement pay calculated Military retirement can be worth at least $1,500,000! Benefits for military retirees Intangible benefits of military service What veterans miss about the military after retirement Lin…

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Money for Military Couples | Money for Couples, Military Edition #173 50:36

6M ago50:36

50:36

Most couples would rather talk about their sex life with a friend than money! What would it look like if we both felt good about money? Today we talk about how to get started with dreaming together and how to discover how to create a shared vision and discussing what kind of money stories do you want to write together as a couple Jamie's 3 main tak…

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Too Much Cash? How Much Cash a Military Family Must Have with Erik Baskin #172 23:02

6M ago23:02

23:02

Holding too much cash can be a drag on your gains. You shouldn't have too much of it sitting in your account without a specific purpose. Today you'll learn answers to questions such as: How much is too much? Where should I keep my cash? What should I do today if I have too much cash? Links from today's episode: Erik Baskin at Baskin FP Past podcast…

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Army Lifestyle Episode 5 | Army Emergency Relief Feat. Bobby Maxwell 11:44

6M ago11:44

11:44

Welcome to The AMEDD Effect Podcast where we discuss the cause and effects of Army Medicine Opportunities along with life inside the U.S. Army, which we call Army Lifestyle. Today on Episode 5 of our Army Lifestyle segments we have Army Community Service Specialist, Mr. Bobby Maxwell from the Fort Knox Army Community Service Army Emergency Relief P…

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Lump Sum Vs Dollar Cost Averaging #171 14:46

6M ago14:46

14:46

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%…

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Practice over Perfection - Shifting Your Money Mindset to Reduce Frustration & Improve Communication #170 22:27

7M ago22:27

22:27

Better every day. That's the goal. Not perfection. What skill have you ever learned that you were perfect at right from the start? Then why are you so hard on yourself when your financial journey isn't perfectly smooth and easy? Each positive decision you make, each money conversation you have with your spouse is like a good set at the gym. Not eve…

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Money for Military Women, How Gender Roles Affect Your Finances, VA Loan House Hacking, & Off-Duty Employment with Lanae Lang of @Lanaeslife1 #169 44:34

7M ago44:34

44:34

"Reading changed my life!" Today's key topics include: VA House Hacking as a young officer, military influencer and off duty employment in the Air Force, personal finance for military women, and self improvement for new officers and cadets. As a young officer, Lanae is debt free except her mortgage, owns a home using her VA loan, has a very high sa…

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International Stock Investment for Military Families with Erik Baskin, CFP #168 25:21

7M ago25:21

25:21

30%-40% international funds in your portfolio!? What is home-country bias and why you may want exposure to markets other than just the US stock market. Links: https://www.baskinfp.com/ Military Tax Experts Alliance Vanguard article on international investments "U.S. stocks are unlikely to repeat their past outperformance over the coming decade" - V…

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Military Entrepreneurship, Guard Benefits, Contributing $70k into TSP while Deployed with Ryan Guina from The Military Wallet #167 42:41

7M ago42:41

42:41

Entreprenuership, Guard benefits, TSP while deployed, and more! Topics from today: Starting TheMilitaryWallet.com Joining the Guard after 8 years Why he joined the Guard VA disability Guard pay, healthcare, and retirement differences Transition Assistance Medical Program (TAMP) TSP contributions in a combat zone Annual additons limit Ryan's persona…

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Don't Buy a House When Leaving the Military with Kate Horrell #166 50:24

8M ago50:24

50:24

64% of veterans will leave initial first post-military job in the first two years! Repeat guest Kate Horrell joins us again to discuss her thought-provoking post on this topic. Of course there are always outliers and unique circumstances, but in genral we hope this conversation helps you slow down and question the pressure to "stabilize" and find y…

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"It Feels Like I'd Be Stealing From My Kids" | Jamie's GI Bill Discussion & Financial Therapy with Daniel Kopp #165 23:53

8M ago23:53

23:53

As an optimzer, Jamie was concerned about how to perfect his family's GI Bill strategy. In the middle of a discussion (after we wrapped up last week's podcast recording with Daniel), we hit record for this non-standard format. As Jamie allows himself to be vulnerable and curious about the words he used, Daniel is able to help him work through some …

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

8M 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

8M 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

8M 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

9M 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

9M 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

9M 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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LADS Principle: Low-Cost, Automatic, Diversified, and Simple #158 41:38

9M 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

10M 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

10M 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

10M 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

10M 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

11M 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…