What do you get when you combine military discipline, a passion for finance, and a heart for helping others? You get Carter Herman—a former Army National Guard officer and financial advisor now serving as a Senior Financial Analyst at Pen Air Credit Union.

In this episode of The Savoir Faire Audio Experience, Carter joins us to talk about the power of financial literacy, the dangers of lifestyle creep, and how he's helping soldiers, students, and families take control of their money. From receiving his first ROTC scholarship to making early mistakes like blowing funds on a truck stereo, Carter’s journey is relatable, inspiring, and packed with practical advice.

🎧 Listen now to hear:

🪖 How Carter’s military service shaped his approach to money and responsibility

💸 Common financial pitfalls facing young soldiers and how to avoid them

📊 The personalized strategies Carter uses to help people at all income levels manage their spending

🎓 Why Pen Air’s financial bootcamps for students and athletes are changing lives

🧠 Real talk about debt, savings, credit scores, and the “spending problem” no one wants to admit

Whether you’re just starting your financial journey or looking to reset bad habits, Carter’s insights will give you the tools—and the mindset—you need to take control of your finances.

📲 CONNECT WITH CARTER HERMAN & PEN AIR:

🌐 Website: https://www.penair.org

📍 Florida, Alabama, and Virginia Locations

📲 LinkedIn: Carter Herman

🧑‍🏫 Book a Financial Counseling Appointment: Available virtually and in-branch

🔗 CONNECT WITH SAVOIR FAIRE:

🌐 Website: https://www.savfaire.com

📲 Instagram: @savfairemag

📘 Facebook: Savoir Faire Magazine

🎧 Like, subscribe, and share this episode with someone who’s ready to make smarter money moves.

📩 Want to be featured or suggest a guest? Contact us at [email protected]