Episodios

  • Roth In-Plan Conversions TSP with Brain "ALF" O'Neill #211

    Roth In-Plan Conversions TSP with Brain "ALF" O'Neill #211
    Jan 12 2026
    Starting January 28, 2026, military members can finally convert their traditional TSP to Roth while still serving...and if you're deployed to a combat zone, you could convert tens of thousands at near-zero tax rates. Brian "ALF" O'Neill from Wingman Wealth breaks down the game-changing TSP in-plan conversion feature and reveals why this could be a 6- or 7-figure lifetime tax savings for service members who get the strategy right. Main Points Roth vs Traditional Basics- Roth is "tax insuranc" against future taxation Why Military Tax Rates Are So Low What Are TSP In-Plan Conversions? New feature launched January 28, 2026Convert traditional TSP to Roth TSP while still serving (previously had to wait until separation or age 59½)Can do up to 26 conversions per yearEntire converted amount added to taxable income for that yearCritical: TSP does NOT allow tax withholding; must have cash set aside externallyConversions are irreversible (no recharacterization allowed) The Combat Zone Golden Opportunity CZTE (Combat Zone Tax Exclusion) drops taxable income to near-zeroCan convert large traditional TSP balances at 0-12% tax rates during deployment yearDon't have to convert while physically in combat zone—any time during that tax yearExample: E-5 deployed full year could convert $50,000+ at minimal tax costCombat zone contributions also pro-rata (10% CZTE balance = only 90% of conversion taxable)This opportunity disappears after separation—can't replicate as civilian Tax Planning Essentials Paying the Tax Bill Strategic Timing for Conversions Best time #1: End of year (November-December) when you know actual incomeBest time #2: During market downturns—pay tax on lower value, convert more sharesExample: $10,000 balance drops to $5,000, convert at 12% = $600 tax vs. $1,200Don't tie conversions to deployment timing—tie to when you can see full-year income pictureCan dollar-cost-average with multiple conversions throughout year (but probably unnecessary) The "2-1-0" Framework (Advanced) Two: Optimize for two spouses, married filing jointly, similar lifespansOne: Optimize for surviving spouse facing higher single tax rates (widow/widower penalty)Zero: Optimize for heirs—prepay tax bill, leave Roth money to childrenAdvanced strategy: High-earning children gift parents money for Roth conversions at parent's lower rate Who Should Convert and How Much Five-Year Rules and Withdrawal Restrictions Common Mistakes to Avoid Implementation Details Related Strategies When Professional Help Makes Sense First-time converters with 5-figure amountsComplex family situations (multiple income sources, kids in college)High-income earners considering large conversionsAnyone uncertain about tax projectionsUse MFAA advisors, Military Tax Experts Alliance, or fee-only CFPs Resources & Links Wingman Wealth: wingmanwealth.comMilitary Financial Advisors Association (MFAA): militaryfinancialadvisors.orgFighter Pilot Finance Facebook Group (managed by Alf)Nectarine: hellonectarine.com (fee-only advisor consultations)Military Tax Experts Alliance: militarytaxexperts.orgIRS Estimated Tax Payments: irs.govDinky Town Calculators (free tax projection tools): dinkytown.net/taxes.html Related Podcast Episodes: Episode 2: TSP Deep Dive (most popular episode)Various TSP fund analysis episodes Key Takeaways TSP in-plan conversions launched January 28, 2026—military members can now convert traditional TSP to Roth while still serving without waiting for separation Combat zone deployments create once-in-a-lifetime opportunities—CZTE income drops taxable income to near-zero, enabling $50,000+ conversions at 0-12% tax rates You must have external cash for taxes—TSP does NOT allow withholding from conversions; need savings, refund, or estimated payments ready Most military members face higher retirement tax rates—pension + civilian job + Social Security likely pushes you into 22-24% brackets, making Roth conversions at current 10-12% rates a no-brainer Conversions are irreversible—no recharacterization allowed, so measure twice and do tax projections before converting Market downturns are conversion opportunities—when account value drops 50%, you pay tax on half the value but convert the same number of shares BRS members have automatic conversion candidates—5% government match always goes traditional, creating ongoing conversion opportunities if you're in low brackets State residency matters enormously—converting while legal resident of Texas saves 5-13% vs. high-tax states like California or New York This could be six-figure lifetime tax savings—depending on account size, career length, and strategy execution, potential $10,000-$100,000+ in tax savings November is optimal conversion month—you know actual income for the year, can calculate exact bracket room, and avoid year-end surprises Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance ...
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    54 m
  • CardPointers App | Track & Max Your Military Credit Card Benefits, Credits, and Offers #210

    CardPointers App | Track & Max Your Military Credit Card Benefits, Credits, and Offers #210
    Jan 5 2026
    Leaving thousands of dollars in credit card offers on the table because you forgot to activate them? Brooke Merkle from CardPointers reveals how the Chrome extension and app automatically track 40+ credit cards, find the best card for every purchase, and helped one user rack up $40,000 in statement credits, all without spreadsheets or mental math. CardPointers is a tool that automatically adds credit card offers, tracks points across multiple cards, and recommends which card to use for every purchase. This is particularly valuable for military families with fee-waived premium cards. CardPointers even offers a military discount exlusive to our fans at militarymoneymanual.com/cardpointers. Main Points What Card Pointers Does Chrome extension automatically adds offers to all your credit cards (Amex, Chase, Citi, Capital One, Bank of America)Mobile app shows which card earns most points/cash back for each purchaseTracks all points balances across programs in one placeParticularly powerful for military families with 5-10+ fee-waived cards The Offer Problem Card Pointers Solves Average credit card user has offers worth $2,000-3,000 annuallyMost people only activate/use 10-20% of available offersOffers expire if not added to cards within limited timeManually checking 40+ cards for offers is impossibleCard Pointers adds ALL offers automatically to ALL cards How It Works Download Chrome extension (free)Connect credit card accounts (read-only access)Extension automatically checks for new offers dailyAdds all offers with one clickApp shows real-time recommendations Pricing Chrome extension: Free basic versionPremium features: ~$100-120/yearWorth it if you have 5+ credit cards with offers Privacy & Security Read-only access to credit card accountsSame security as Mint, Personal Capital, Monarch MoneyDoesn't store credit card numbersCan't make purchases or move money Comparison to Manual Tracking Manual: Check 10 cards daily = 30+ minutesCard Pointers: Automatic, 0 minutesManual: Miss 80% of offersCard Pointers: Capture 95%+ of offersManual: Forget which card to useCard Pointers: Tells you instantly Best Practices Check extension weekly for new high-value offersReview app before major shopping tripsSet up for both spouses if both have cardsParticularly valuable during holiday shoppingMonitor for targeted high-value offers (10X points, large statement credits) Integration with Military Benefits Works with all fee-waived military cardsTracks Amex Platinum benefits (Lululemon, Resy, streaming credits)Chase Sapphire Reserve credits (DoorDash, travel)Helps maximize value from cards you're not paying annual fees for Resources & Links Military discount on CardPointers available: militarymoneymanual.com/cardpointers Chrome Extension: Search "Card Pointers" in Chrome Web StoreMobile App: Available on iOS and Android app storesMilitary Money Manual: militarymoneymanual.comMilitary Money Manual Instagram: @militarymoneymanual Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 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. Want to be confident with your TSP investing? 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.
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    44 m
  • Build Wealth in the Military (2026 Update): TSP Limits, Pay Raises, & Avoid Military Money Mistakes #209

    Build Wealth in the Military (2026 Update): TSP Limits, Pay Raises, & Avoid Military Money Mistakes #209
    Dec 29 2025
    Is 2026 the year you finally take control of your military finances? With a 3.8% pay raise, new TSP contribution limits of $24,500, and proven strategies that helped one E-7 reach $600,000 in net worth by year 14, Spencer and Jamie break down exactly how to build wealth while serving, even if you're starting from scratch or recovering from financial setbacks. In this episode, we provide a comprehensive 2026 financial reset for military families, covering everything from emergency funds and debt payoff to maxing tax-advantaged accounts and avoiding lifestyle creep. Perfect for anyone wanting to turn the new year into a fresh financial start. Main Discussion Points Know Where You Are Before You Start Track your spending using apps like Monarch Money, YNAB, Rocket Money, or simple spreadsheetFace your financial reality- write down all debt and net worth even if it's negativeGovernment shutdown proved why emergency funds matter: 3-6 months of expenses minimumExample: $500 car repair covered by emergency fund eliminated stress entirely Unique Military Financial Advantages Tax-free income: BAH, BAS, COLA not subject to federal income tax or payroll taxes (7%+ savings)State tax residency: Change to tax-free state (Texas, Florida, etc.) when stationed there! Spouse can too under Military Spouse Residency Relief ActTSP match: 5% automatic match after 2 years for BRS members. Don't leave free money on tableHealthcare and housing covered through Tricare and BAH/base housingExample: Saving $300/month by changing state residency adds up to thousands annually 2026 Numbers to Know TSP contribution limit: $24,500 (up from previous year)TSP annual additions limit: $72,000 (includes match and combat zone contributions)Roth IRA limit: $7,500 per person ($15,000 for married couples, even if spouse doesn't work)Military pay raise: 3.8% coming. Automate at least 1% of increase into TSPE6 with 8+ years gets roughly $150-180/month extra income from pay raise Priority Order for Tax-Advantaged Accounts Contribute 5% to TSP (get full government match for BRS members)Max Roth IRA: $7,500 for you, $7,500 for spouseGo back and max TSP at $24,500Only then consider taxable brokerage accounts Total to max everything: $49,500 for married couples Don't stress if you can't max—contributing 10-20% is still excellent and beats average American 5% savings rate Invest Simply Using LADS Method Low-cost, Automated, Diversified, SimpleTSP Lifecycle 2075 fund: 60% US stocks, 40% international, minimal bonds—perfect set-it-and-forget-it optionAlternative: 80% C Fund, 10% S Fund, 10% I FundDon't performance chase because last year's winner often becomes next year's loserBoring is beautiful in investing. Let it compound for 20 years Path to Military Millionaire Status E7 example: $500/month starting as E3, by age 45 = $1 million at 7% returnReal example from Reddit: E7 with 14 years, $600,000 saved, contributing $20-25k/yearIn 10 years that E7 will have $1.2 million just from money already contributed (before new contributions)Add military pension: $30k/year plus $40k from 4% rule = $70k annual income in retirementTime is your biggest asset. US stock market doubles roughly every 7-10 years Common Mistakes to Avoid in 2026 Not contributing to TSP at all (minimum 5%, goal 15%+)TSP loans for non-emergencies...change behavior insteadNew car trap: 7-year car loans becoming standard, shooting yourself in financial footLifestyle creep: Give half of pay raise to savings, half to lifestyle improvementsWaiting for "perfect time." Spoiler: there's never a perfect time. Start this weekend Capture Free Money Review LES monthly for accuracyFile paperwork for CZTE, hostile fire pay, family separation allowanceFollow up with finance multiple times if needed. Don't give up on money you're owedRequest corrected W2s if aircrew touching tax-free zones in Nov/DecSpencer recovered $20,000+ over career by being persistent with finance Take Action Now Schedule family money meeting. Make it a priority! Hire babysitter if needed, dedicate one hourWrite down all debt on paper: credit cards, student loans, auto loansAcknowledge it's overwhelming but necessary to move forwardResources: Dave Ramsey's Total Money Makeover or Ramit Sethi's I Will Teach You to Be Rich Resources & Links Budgetting and tracking: Monarch Money, YNAB (You Need A Budget), Rocket Money, Every DollarCredit card offers: Card Pointers Chrome pluginFree books: Libby app + MWR library on baseMilitary Money Manual by Spencer ReeseSelected as US Air Force Academy Class of 2023 graduating giftDave Ramsey's Total Money MakeoverRamit Sethi's I Will Teach You to Be Rich and Money for CouplesTSP match/max charts by rankThe Money Guy Show: Financial Order of Operations Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military ...
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    43 m
  • After 200 Episodes, We Changed Our Minds On These Things #208

    After 200 Episodes, We Changed Our Minds On These Things #208
    Dec 15 2025
    What have learned as we've recorded over 200 episodes now? What have we changed our minds about? We reflect back on our years of podcasting, recording over 200 episodes with hundreds of positive reviews, hundreds of thousands of downloads, and hopefully countless military families helped. In this milestone 200th episode, Spencer and Jamie sit down in person to reflect on four years of the Military Money Manual Podcast. From recording the first episode in a living room before a PCS to reaching hundreds of thousands of downloads, they discuss how their financial philosophies have evolved and the enduring principles that help military families build wealth. Whether you are an E-1 just starting out or a seasoned O-5 approaching retirement, this episode covers the essential debates and strategies for achieving financial independence while serving. Topics Covered: Hardening & Softening Stances: The hosts revisit controversial topics like the Roth vs. Traditional TSP debate, buying a home on active duty, and taking out TSP loans, discussing how their advice has shifted over 200 episodes.The "Olympic Athlete" Trap: Why you don't need to be the "Michael Phelps of personal finance" to succeed—and why a simple, consistent plan beats trying to optimize every single variable.Financial Independence (FI): Defining FI not just as early retirement, but as having options—the freedom to leave a job you hate, take a lower-paying passion project, or simply not stress about bills.Credit Cards & Benefits: A reminder on maximizing military-specific perks, like waived annual fees on premium cards (Amex Platinum, Chase Sapphire Reserve) and using them responsibly to travel for free.Crypto & Alternative Assets: Why they still view cryptocurrency as "gambling" rather than investing, and why boring, low-cost index funds remain the king of wealth building.Leadership & Mentorship: The critical role of NCOs and officers in guiding troops toward financial literacy and how financial readiness directly impacts mission readiness. Key Takeaways: You Are the Captain: Don't let the military dictate your financial future. Take ownership of your TSP, your savings, and your career path.The 4% Rule: Why a 4% withdrawal rate is a solid baseline for financial independence, but flexibility is key.Emergency Funds are Non-Negotiable: Government shutdowns and unexpected expenses happen; cash reserves are your first line of defense. Resources Mentioned: The Military Money Manual bookThrift Savings Plan (TSP) Funds (C, S, and I Funds)Dave Ramsey's Baby Steps (and where they agree/disagree) Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 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. Want to be confident with your TSP investing? 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.
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    50 m
  • Roth IRA for Military 2026 | IRA Update for Military Families #207

    Roth IRA for Military 2026 | IRA Update for Military Families #207
    Dec 8 2025

    $7,500 is the new maximum amount you can contribute for your IRA in 2027. We recommend generally that you and your spouse (if applicable) both do Roth IRAs, after 5% to the the TSP for the match.

    Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

    Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

    In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

    • https://militarymoneymanual.com/amex-platinum-military/

    • https://militarymoneymanual.com/chase-sapphire-reserve-military/

    Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

    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.

    Want to be confident with your TSP investing? 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.
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    18 m
  • Military Travel Perks with Chelsey from Camouflage Perks #206

    Military Travel Perks with Chelsey from Camouflage Perks #206
    Dec 1 2025
    What if you could fly your family to Europe in first class, stay at luxury resorts for $400 a week, and spend less on vacation than you do at home? Chelsey from Camouflage Perks shares how military families are using fee-waived credit cards and exclusive military discounts to travel the world. Today's guest is Chelsey from Camouflage Perks - Military spouse and travel expert with 45,000+ Instagram followers sharing military-exclusive travel benefits and points strategies. Key Takeaways Exclusive military travel benefits save thousands - from $200 Epic Passes to free Atlantis nights, many perks require in-person verification and aren't advertised online Fee-waived credit cards eliminate travel costs - Military spouses and service members get annual fees waived on premium cards, making $500+ in annual credits completely free Stack benefits for maximum impact - combine credit card points with military discounts to cover flights, hotels, and daily expenses Cards work without travel - streaming services, dining credits, and shopping perks can save hundreds monthly even if you never take a vacation Discipline is essential - this strategy only works if you pay balances in full every month; credit card debt disqualifies you from participating Resources & Links Mentioned: Instagram: @camouflage.perksWebsite: camouflageperks.comGrand Hyatt Deer Valley: Google "Deer Valley Salute to Service"Epic Pass military: epicpass.comArmed Forces Vacation Club: afvclub.comUse Your Credits (Resy restaurant finder): useyourcredits.com Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 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. Want to be confident with your TSP investing? 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.
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    31 m
  • 5 Ways to Prepare for Christmas Spending Now | Holiday Season Budgeting for Military Families #205

    5 Ways to Prepare for Christmas Spending Now | Holiday Season Budgeting for Military Families #205
    Nov 24 2025

    Don't want to feel stressed about money this holiday season? Here are 5 ways to prepare your family's mindset and spending for the season of giving!

    Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor

    Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3

    In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card.

    • https://militarymoneymanual.com/amex-platinum-military/

    • https://militarymoneymanual.com/chase-sapphire-reserve-military/

    Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3

    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.

    Want to be confident with your TSP investing? 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.
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    9 m
  • Military Credit Cards with Carissa Rawson | Air Force Veteran Reveals How to Get 20+ Premium Cards with $0 Annual Fees #204

    Military Credit Cards with Carissa Rawson | Air Force Veteran Reveals How to Get 20+ Premium Cards with $0 Annual Fees #204
    Nov 17 2025
    Join Spencer Reese and Carissa Rawson, Director of Travel and Marketing at Rove and Air Force veteran, for an in-depth discussion about maximizing credit card rewards and travel benefits as a military service member. Carissa shares her journey from enlisted Arabic translator to becoming a leading voice in military credit card content, having written for The Points Guy, NerdWallet, USA Today, and Forbes. Building Credit from Scratch Starting with secured credit cards (Capital One recommended)Using personal loans from Navy Federal or USAA to establish credit historyCareer starter loans for new officersBuilding from no credit to premium cards Strategic Card Acquisition Best starter cards: Chase Sapphire Preferred, Citi Strata Premier, Amex GreenUnderstanding bank application rules and restrictionsThe famous 5/24 rule with ChaseTiming your applications strategically Military-Specific Benefits SCRA (Servicemembers Civil Relief Act) vs MLA (Military Lending Act) protectionsAnnual fee waivers on premium cardsAdvantage for reservists and guard members opening cards before active ordersTwo-player mode: How dependents can also benefit from MLA protections Premium Cards Worth Getting American Express Platinum Card ($895 annual fee waived)Chase Sapphire ReserveCapital One Venture X (SCRA benefits)Hilton Honors Amex AspireMultiple Amex Platinum cards strategy Tools and Resources Mentioned Award Wallet - Tracks points balances, expiration dates, and travel itineraries Seats.aero - Award flight search engineMax My Point - Hotel search tool for maximizing FHR creditsPointMe (roame.travel) - Award alert tool for flexible travelUse Your Credits - Tracking Amex statement creditsCard Pointers - Auto-adds Amex offers and tracks credits FSAFeds.gov - Application rules by bankRove Miles - Earning transferable points through shopping portal and hotel bookings Rove Miles Platform Highlights 13,000+ shopping portal stores (vs Rakuten's 3,900)New "Loyalty Eligible" feature - book hotels while maintaining elite status benefitsEarn Rove miles that transfer to 12+ airline partnersCommission-based earning rates (up to 75x miles per dollar on some bookings)Immediate points posting on non-refundable bookings Guest Bio: Carissa Rawson served 7 years in the US Air Force (2009-2016) as a cryptologic language analyst (Arabic translator), including a deployment to Jordan supporting counter-ISIS operations. She's written extensively about military credit card benefits for major publications and now helps travelers earn rewards at Rove Miles. Website: rovemiles.com Contact: Reach out to Military Money Manual at podcast@militarymoneymanual.com or on Instagram @militarymoneymanual _________________________________________________________________________________ Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 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. Want to be confident with your TSP investing? 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.
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    41 m
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