Category Archives: Personal Finance

Back to Basics-VA Interest Rate Reduction Refinance Loans (IRRRL)

This article was suggested to me by a long-time shipmate & colleague (thanks, Dave!).  Over my life, I’ve refinanced several times using an IRRRL, when it made financial sense for me to do so.  However, it wasn’t until I got … Continue reading

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The Difference Between a Financial Plan & Financial Planning

I remember the first time I received a financial plan.  Actually, it was for my mother.  It was a while ago, before I decided to become a financial planner myself, and is probably one of the reasons why I did … Continue reading

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Five Little-Known Services Your Financial Planner Should Be Offering

The financial planning landscape can be pretty confusing.  Not only is it difficult to figure out who has your best interests in mind (as the debate over the fiduciary standard is pretty confusing), but it’s also difficult to figure out … Continue reading

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Six Steps to Hire a Military-Focused Financial Planner

Disclosure:  I am a financial planner.  With that said, there are many people who do not need a financial planner to live their best lives.  However, there are probably many more who could benefit from professional financial advice in at … Continue reading

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30 Day Financial Transition Challenge Day 28: Cash Flow

Welcome to Day Twenty-Eight of the “30 Day Financial Transition Challenge.”  The purpose of today’s article is to help you focus on your budgeting and cash flow. Bottom Line Up Front (BLUF)  Throughout the challenge, you’ve had the opportunity to … Continue reading

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30 Day Financial Transition Challenge Day 26: Physical Wellness

Welcome to Day Twenty-Six of the “30 Day Financial Transition Challenge.”  Today’s article focuses on your physical well being. Bottom Line Up Front (BLUF)  Your transition can be a very stressful time.  During times of high stress, it’s very easy … Continue reading

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30 Day Financial Transition Challenge Day 8: Use of Credit

Welcome to Day Eight of the 30 Day Financial Transition Challenge. Today’s article focuses on the proper use of credit.  While Day 3 focused on paying off your consumer debt, especially credit cards, today will help develop a bigger picture … Continue reading

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5 Military Considerations About a Debt Management Plan

There are a lot of military families who end up needing help with managing their debt.   Although many people are able to buckle down and work their way out of debt, others may need external help.  One of the most … Continue reading

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10 Auto Accident Lessons I’ve Learned

Let me preface this by saying that since I joined the Navy, I’ve been in five auto accidents.  No injuries have ever occurred, and the police have never issued me a citation in any of these accidents.  With that said, … Continue reading

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Four Ways Physical Fitness Impacts Financial Fitness

The other day, I just finished my last spring physical readiness test (PRT) for the Navy.  As I finished my second-to-last fitness test, I celebrated to myself—one more PRT, and I’m done!  My entire career, I’d thought of the PRT … Continue reading

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