Many former military people need to find jobs when they get out. This can be a daunting task that can make the transition period even more stressful. I have a career expert on the show today who’s going to share some top tips and advice to make this period easier. Jen Walker Wall began working in a hiring capacity. This led to her seeing a lot of resumes and noticing what was being done right and not being done right. She started consulting and became an interview and resume expert.  Eventually this experience led Jenn to starting Work Wonders Careers to not only help people find jobs, but find the right career that fits their life. Jenn says that the single most important factor is having confidence about your skills and presenting them in a big picture way. Many people doubt that their skills are transferable, but things like leadership, communication, and working under pressure are always in demand. Jenn also shares resume tips, when to start looking for that job, LinkedIn profiles, and her views on working for yourself and side hustles.    Highlights from This Episode: [00:49] Jenn acquired experience in a job that required a lot of hiring.  [01:28] Through Work Wonders Careers, Jenn offers a complimentary skill set to very ambitious professionals that makes them more confident and mobile in their careers. [02:35] Don't have so much content on your resume that it's impossible to read quickly. Be selective about what you're offering with clean margins and a good-sized font. [03:06] Learn how to properly customize your resume for specific opportunities. Align your resume, application, and Linkedin profile to the type of job you're looking for.  [04:02] A resume is for a specific role and a LinkedIn profile should work for the breadth of your career. [04:54] Every professional from every field feels like their experience isn't transferable. Think about the bigger picture of what your role entailed. [05:21] Focus on bigger picture things like leadership, training, communication, and working under pressure. [06:29] Jenn started a side consulting business which led to Work Wonders Careers ever since. [09:06] Saying no and being discerning is a huge part of landing the right job for you. [10:24] Be really confident about communicating your story. Summarize things succinctly for people and be really confident about delivering that story. [13:03] Confidence is something that you develop and nurture as you go. Reflective exercises can help get clarity on this. [14:00] Work on your communication skills and get comfortable talking about your experience. [14:53] Jenn likes to work with people for at least through months. It takes time to make a change. People who are actively applying usually start getting interviews within six to eight weeks. [18:10] Give yourself credit. You're more qualified than you think. [19:10] A job search can take between 6 to 12 months. If you don't give yourself enough time, you don't get to be as picky. [21:18] Having gaps in your career is normal. It's okay to take some personal time after a long military career.  [24:45] Jenn and her friend Jenn have a podcast called Making Life Work. They talk about making time for what it is that you are really passionate about. [26:07] Side hustles can be a great way to explore career options. Be mindful of what you're trying to do and set some goals for yourself. Also figure out how to tell the story in an interview situation. [28:17] People frequently want to be self-employed. Even though it can be terrifying. The smallest way to explore this can be a side hustle.  [31:28] Running a business is easier than starting a business.    Links and Resources Work Wonders Careers Uncomplicate Your Job Workbook Jenn Walker Wall on Twitter Jenn Walker Wall on LinkedIn Jenn Walker Wall on Instagram How to Put More YOU in Your Job Search Making Life Work Episode 3.9 Side Hustles

Sheepdog Financial

40. Work Wonders Careers with Jenn Walker Wall

Ailbe Astor is the Veteran Services Coordinator at Freedom Service Dogs of America. FSD helps veterans and active-duty military find new levels of confidence and independence with these specially trained dogs. Ailbe went into the Marine Corps right out of high school. Even when he got out, he continued to work with veterans and be around veterans, so he never really had a tough transition period. He is so passionate about matching these wonderful dogs with vets who can benefit from them.  He shares a little bit about the program and the rigorous training that the dogs go through. He also shares how the purpose of the dog is to help the client reintegrate into society and do the things that they want to do, not just the same old thing that they have been doing. It’s about freedom and independence. He also talks to us about the process to get a dog, and how he works hard to gain the trust of the vet to make the perfect match. He also shares tips like applying right away. You can always change your mind, because there is a two to three year waiting list.    Highlights from This Episode: [00:47] Ailbe served in the Marine Corps in the 90s straight out of high school. [01:25] When he got out, he started working with vets and never stopped. [02:33] One of the toughest parts about transitioning is losing the known entities that you can trust. [02:55] Ailbe is the Veteran Services Coordinator at Freedom Service Dogs of America or like his wife calls him, the dog matcher.  [03:07] He meets with veterans and gets to know them a little better before matching them with dogs.  [03:52] He wants to match the personalities according to personality, energy, and what the vet does day-to-day.  [05:46] The goal of getting the dog is to help the vet reintegrate back into society. Which includes pushing outside of their comfort zone.  [06:46] Freedom Service Dogs has been around for 33 years. The founder ended up getting paralyzed in an accident and eventually discovered the benefits of a service dog and wanted to share with others.  [08:23] The dogs now help with physical disabilities, PTSD, and people on the spectrum.  [09:10] Once they get the dogs they go through an established curriculum. They work with prisoners for two months, and then move on to other training.  [10:24] Dogs can help create space in crowds or a bubble.  [12:06] They have a very robust group of volunteers at the facility and fosters for the weekend. [13:31] Operation Freedom is an umbrella for any program that serves veterans.  [14:31] They take dogs to all of the places that the veterans would go like the grocery store, the VA, and the airport. [15:27] They also send the trainer to the client's home to introduce the dog to environments and replicate anything that they can.  [18:27] Ailbe shares a story of a veteran that was able to go to the movies for the first time in years.  [21:07] They go all over to find dogs to put into the program.  [23:08] There is no shortage of vets in need. They frequently find the program. After therapy and meds, they usually discover service dogs. Many of the people they see have been in treatment for a long time. [25:00] The interview for the potential vet is very intensive. Ailbe really needs to find out who they are and gain their trust to match them to the correct dog. [30:35] The dogs get lifetime support with a trainer.  [31:59] The VA is working on a program to offer vouchers for service dogs. They do offer pet coverage. [33:23] Ailbe knows that service dogs add value to the lives of those with PTSD.  [36:43] Start the process, the moment you think you might be interested in a service dog. A two to three-year wait can be a devastating piece of information. There's no harm in applying and changing your mind. [38:04] Focus on improving yourself while you're waiting to get your dog.   Links and Resources Freedom Service Dogs Freedom Service Dogs on Facebook Freedom Service Dogs on Instagram Freedom Service Dogs on LinkedIn Ailbe Astor on LinkedIn

39. Freedom Service Dogs with Ailbe Astor

Kim Colgrove is here to talk about her mission of helping first responders and veterans find a way to manage their emotions, stress, and trauma. These people are under a huge amount of stress and trauma. Kim knows this all too well after her husband took his own life after 30 years of being in law enforcement. After the loss of her husband, Kim went on a journey of discovery about stress and trauma. She wanted a way to help first responders manage their stress and improve their emotional health.  Kim was introduced to meditation when she was 10 years old, and she has been meditating for 43 years. She decided to devote her career to teaching meditation and mindfulness to first responders. Kim runs Pause First: Mindfulness for First Responders which offers training sessions to introduce first responders to meditation and mindfulness. She is also the author of Mindfulness For Warriors: Empowering First Responders to Reduce Stress and Build Resilience. Kim’s passion is contagious as she shares what meditation and mindfulness is and how and why to get started.    Highlights from This Episode: [00:49] In 1976 when Kim was 10 years old, her parents had her trained in transcendental meditation. This technique is still around. It's not what Kim teaches, but it's the foundation that everything was built on. [01:20] Kim has been meditating for 43 years. [01:43] In 2011, Kim quit her full-time job to teach meditation and mindfulness. [02:01] She taught small classes and then corporate clients. [02:41] In 2014, Kim's husband David retired from a 30-year law enforcement career. Less than three months later, he took his own life. [03:25] Kim went on a journey of discovery about stress and trauma. She learned about secondary trauma and post-traumatic stress and how all of that impacts first responders. [04:48] In 2017, she put together her first class of meditation and mindfulness for first responders. People signed up for this four hour block of training, and she's been teaching classes ever since.  [05:59] Kim has written a book called Mindfulness For Warriors: Empowering First Responders to Reduce Stress and Build Resilience. It's part memoir where she shares the story of her husband. She also interviews nine first responders who share their healing path. [07:11] Meditation is the daily exercise. Kim recommends 15 minutes. Mindfulness is a state of being that is cultivated through meditation. [08:19] Mindfulness is about breathing and checking-in to this moment in time and the here and now. [08:45] Studies show that meditation can help alleviate stress, anxiety, and help lower blood pressure. It's also connected with better brain health. [10:44] Meditation can help to deactivate the amygdala and lower stress. [11:40] The habitual stress response can impact people's behavior. A hyperactive amygdala can cause people to kick into that fight or flight response. [13:18] Kim teaches meditation as a brain training exercise. She bridges the gap between the skeptics and the active participants. [14:48] The idea of sitting still in silence is terrifying for some people.  [15:04] Kim has the participants in her class meditate, and the response has been very positive. [17:05] Silent meditation is when you're just sitting there and being. You're not engaged in anything. [18:19] Kim wants to help first responders to take an honest look at their stress and trauma and improve their emotional health.  [20:22] Meditation is integrated into yoga. Yoga is movement. Mediation and yoga are two different things.  [21:09] Meditation is similar to when you reboot your computer.  [21:58] To get started with meditation, find a book, teacher, or podcast that appeals to you.    Links and Resources Pause First: Mindfulness for First Responders  Kim Colegrove on LinkedIn Kim Colegrove on Twitter Mindfulness For Warriors: Empowering First Responders to Reduce Stress and Build Resilience Eight Weeks to a Better Brain

38. Mindfulness For Warriors with Kim Colegrove

Maria Reed has been a military spouse for 17 years. Prior to that she was in the television industry. She was a director and a producer before meeting her husband. Military families have to move a lot, and there is a lot of work involved and a lot of uncertainty. Deployment is another big issue for military families when one spouse is left at home to take care of everything by themselves.    One Christmas, Maria was watching home improvement shows on TV. She thought that something seemed a little off and that she had the production experience and the military experience to create an amazing home improvement show to honor military families. That’s when Moving With The Military first began. Once she had the idea she didn’t let budget constraints or network rejections stop her. She now works to bridge the civilian/military divide by giving military families incredible spaces to make their houses into homes.    Highlights from This Episode:   [00:43] Maria Reed has been an Army spouse for 17 years. She's the mother of two awesome teenagers, and the Armed Forces Insurance Army spouse of the year. [01:05] She's also a serial volunteer and serial entrepreneur.  [01:14] She does everything she can to help military families. She feels like it's a whole new career. She used to be in television. She was a director and producer before meeting her husband. [01:43] Maria created a TV show called Moving With the Military about three years ago. On the show, they honor families for their service and commitment with surprise home makeovers. [02:35] Maria is busy, and she uses apps and pen and paper to manage her life. [03:49] Her husband is deployed. They have been through multiple deployments. She taught her kids how to cook and how to do laundry. Everyone does their part. [05:43] Maria's first military experience was in 2003. She had her family for help, but she felt alone until she went to her first FRG meeting. [07:50] She has had really great experiences on post and off post. [08:40] The show does DIY events that people can watch or attend. It's about making a connection and bringing people together. [09:24] Maria's advice for a family's first deployment is to thrive. [10:38] Go out and live and do and have fun and share those experiences with your spouse. [11:34] Maria had been watching a lot of home improvement shows on television. She had the production background and the military background and wanted to do things right.  [12:54] She spent hours creating a strategic plan and a website. She told her husband about it, and he approved and he was deploying in 30 days. [13:18] Two months after he deployed, they did their first episode. She was turned down by networks, and they funded the show themselves. [14:53] They do one room makeovers and the furniture is a gift. They also purchase the goods and pay the tax on it.  [16:56] Maria's favorite part is her military families surprised faces and how grateful they are. She also loves traveling. All of it fuels her with happy surprises.  [19:04] The show is very personal for Maria. She leaves a part of herself there every time. [19:30] Last year they filmed a makeover for a coast guard family. The military spouse was in hospice. She wanted to leave her girls with a beautiful home. They filmed for five days and ended up doing the entire house. [21:05] The Coast Guard community came together and no one complained. [22:19] Maria's has always dreamed big. Getting on home improvement channels and a bigger audience could be in the future.  [24:06] A PCS is a move for a military family. [24:27] Marie developed an app called My ultimate PCS. Moving is like starting over with a lot of paper. The app is cloud based. Everything is there.  [27:01] Staying at the hotels during the PCS can be a funny challenge. Once they made a whole Thanksgiving meal in a hotel room. [29:03] Get the app for My Ultimate PCS. There are also quick guides. Get the orders. You can learn to live anywhere for a short amount of time. Look at it as an adventure and enjoy the journey.   Links and Resources   Moving With The Military My Ultimate PCS Maria Reed on LinkedIn Moving With The Military on YouTube Moving With The Military on Instagram Moving With The Military on Facebook Moving With The Military on Twitter Moving With The Military on Pinterest

37. Moving With The Military with Maria Reed

Jeff Rose was in the National Guard for nine years. He also was deployed to Baghdad during Operation Iraqi Freedom. He was also a financial planner for 16 years, before he struck out on his own with his Good Financial Cents blog. He also has a YouTube channel called Wealth Hacker Labs. He is also a Certified Financial Planner, the CEO of his own wealth management firm, and he wrote a best-selling book on personal finance.   He is fortunate to share wealth building advice online, although sometimes his advice goes against conventional wisdom. He is also a huge proponent of Roth IRAs. Jeff and I talk about being in the National Guard, his transition to civilian life, and some benefits the Guard offers. We also touch on how counseling is a positive thing and how adjusting after military life can be a struggle. We also talk about military finances, and Jeff shares tons of advice and personal stories.    Highlights from this Episode [00:45] Jeff was a financial planner for 16 years. Now he is fortunate to run a blog called Good Financial Cents. He also runs the Wealth Hacker Labs YouTube channel.  [01:42] Jeff has been having a great time sharing lessons on wealth-building online. [01:52] He was also in the National Guard for nine years. He was in the guard for six years and got his education paid for. He became a financial advisor but spent one weekend a month in the guard after reenlisting for three years.  [03:23] His unit was activated and he was sent to Baghdad in 2005 to support Operation Iraqi Freedom. [03:43] When he got back from Iraq, his wife gave him the ultimatum of the military or her. He thinks he made the better choice. [04:33] Jeff found transitioning from the military to being a civilian one of the top five transitions in his life. [05:46] After getting back, Jeff was just trying to remember who it was. [06:28] When Jeff got back, his buddies had graduated. His wife had bought a house. She got a new job. He had a new dog because his old dog got killed. He was like where am I.  [07:39] He and his wife got into a huge argument, and he passed out in his friend's backyard. He knew something had to change and he went to counseling and went on to do some amazing things. He also gave himself grace. [14:05] Jeff shares some of the benefits of being in the National Guard like health care.  [15:56] It's a big deal for a National Guard unit to be deployed. He received tons of care packages. He even got boots and a case of Red Bull sent to him. [18:33] Jeff did his best to get as many soldiers as possible to sign up for a Roth IRA or a TSP. He saw guys spend their money before they even got home.  [19:24] Investing $100 a month when you're young is about the potential of the money not the $100. [20:54] Blowing bonuses is like watching a train wreck happen. [21:48] Jeff looks at the TSP the same way he looks at a 401k. If you know nothing about investing and you need to do something, this is the perfect thing to sign up for. [22:30] Jeff argues starting with a Roth IRA that forces you to learn about investing and what you're putting your money into.  [24:48] The latest thing won't make you a millionaire overnight. Learn about where you’re putting your money and let it grow.  Links and Resources Good Financial Cents Wealth Hacker Labs on YouTube Good Financial Cents Podcast Good Financial Cents on Facebook Jeff Rose on Twitter Soldier of Finance

36. Making Good Financial Cents with Jeff Rose

Ryan Brandt is a former marine who served two tours in Afghanistan. He is now a business development executive for Viqtory a company that focuses on recruitment marketing. We all know that transitioning out of the military can be a challenging time. The more planning done in advance when it comes to marketing your skills, getting the right mindset, and getting your finances in order the easier the transition will be.  We talk about this, and Ryan shares struggles that he and his fellow military brothers and sisters have been through. We talk about how it’s smart to get financial advice from the beginning and not live check to check. Having a plan now will payoff in large dividends in the future. Ryan shares mistakes that he made, and what he would do differently. He also shares how transitioning military people can make their resumes relevant for the civilian world and advises to not just stick with MOS codes.  Highlights from Episode 24 [00:51] Ryan was a marine who did two tours to Afghanistan. He was a sergeant and a radio operator. [01:14] When he got out of the Marine Corps he moved to the northern Virginia area where his family is from. He worked at a SaaS reseller. [01:44] He then started working in enterprise sales in the DC Metro area. He worked with GSA contracts, the DOD, and the Department of Homeland Security. [01:58] He met his wife in Annapolis, Maryland. They moved outside of Pittsburgh, Pennsylvania about six years ago. [02:33] He continued working in sales in different companies. [02:58] He was given an opportunity at Victory to help his brothers and sisters in arms better than self stirring the transition process. [03:52] Ryan got his bachelor's in criminal justice from Memphis University before the Corp.  [04:20] He also played in the minor leagues with the Chicago White Sox for a while. [06:41] Ryan now realizes how scary the transition process can be. In the military, you become part of something bigger than yourself. Then you take a 5-day transition class and you're done. [08:56] It can be equally stressful for career military people. [10:30] When a military career comes to an end, it's on the transitioner themselves to make moves towards a new life. People often think they have to do something in civilian life that is similar to what they did in the military. [12:02] There weren't a lot of people to talk to during the transition period. [14:11] Ryan shares how he didn't get a lot of support from the military when he was leaving.  [15:45] Ryan markets for Viqtory to find corporations that want to hire military veterans.  [16:13] Ryan shares the skills that military people have that are valuable to employers like competing missions and leadership skills. [17:41] Don't be MOS focused. Military people have a lot of intangible skills.  [18:44] When creating your resume. Talk about the overall skills you acquired. Leadership and achievements. Put what you did into something that resonates with a civilian.  [20:19] Being on time is a huge skill. [21:03] Transitioning people stay for about five years if they make it past the first year.  [22:21] The biggest hurdle is the mentality of bettering yourself on your own.  [24:05] It's about being self-sufficient as opposed to being part of the team. [26:10] After deployment, it makes sense to make a plan for accumulated money. Don't live for the weekend.  [30:48] Ryan shares a story about getting guys he was in the military with straight on finances and talking about avoiding huge debt and security clearances.  [32:41] Credit scores matter when getting hired. [34:31] After getting out of boot camp, go talk to someone about finances and put yourself on a solid plan. The better off you will be in the future. Don't live paycheck to paycheck. [37:24] If someone can make a commitment to their country, they can make a commitment to their finances. There are also financial advisors on post now.   Links and Resources Ryan Brandt on LinkedIn Viqtory Ryan.Brandt@Viqtory.com

35. Recruitment Marketing with Ryan Brandt from Viqtory

Transitioning from the military can be a huge change for people who have served. Their whole life can be turned upside down, and they can even discover a loss of identity that was tied to their military life. David Pere says the solution for this is to have a purpose and a plan before you leave. David has been in the military since 2008, and he still serves. After reading Rich Dad Poor Dad, he started taking an active role with his finances and cut spending, started saving, and investing in real estate. David now owns 14 properties. One is a 10 unit commercial property and the rest are rentals. One of them is currently being renovated. David not only took an active role in controlling his finances and his future, but he helps other military members do the same. He runs From Military to Millionaire where he helps other service members build wealth through real estate investing, entrepreneurship, and personal finance. He’s also the host of The Military Millionaire Podcast.  David and I talk about his story, how he feels about investing in real estate, and how to find the right property manager. We talk about benefits, opportunities, and retirement choices that apply to military members and how to get the most out of them. This episode is about making a plan, so that you can have options in or out of the military.    Highlights from Episode 24   [00:45] David has been in the military since 2008. He's still an active duty Marine. He works in logistics and transportation. In 2015, he read the book Rich Dad Poor Dad. That changed his life. [01:13] He started real estate investing and got better with this finances. In the last 4 years he's bought and sold a lot of Real Estate. He has 13 rental properties and one that's being renovated. [01:29] He tripled or maybe quadrupled his net worth. [02:28] David was a finance specialist. He took a week-long course about finances. The class is very thorough, but there's a lot to learn in one week. [03:41] The program is used to help people already in trouble. David would prefer it was there to help people before they get into trouble. [05:19] Before talking about your finances, you need to have your basic information.  [10:13] David has a 10 unit commercial property and he uses a property manager for it. [11:37] Always interview more than one property manager. Also look for hidden fees. Make sure they are licensed, insured, and you are a good fit for them.  [15:00] To start investing. Fix your budget and save money. Then learn about investing and network. Then take action. [16:40] Buy and hold real estate investing is a long term strategy. There are also tax benefits. [18:28] David does his own bookkeeping. He also has someone who files his taxes for him. It's very important to get the first year with basis correct.  [22:14] David took the blended retirement system. For him, it allows more flexibility with his career.  [25:43] David joined in 2008, he lost money by contributing to the G fund compared to what he could have made in the market.  [27:33] The life cycle fund is the fund you need to use.  [29:06] The biggest success for transition is to have a plan. Losing identity is what hurts people transitioning from the military. Find a purpose now.  [32:08] Income is rarely the problem. Expenses are. [34:59] It's a good idea to cut your expenses. [35:35] Don't get caught up trying to keep up with other people.    Links and Resources   From Military to Millionaire The Military Millionaire Podcast From Military to Millionaire on Facebook David Pere on Instagram David Pere on LinkedIn David Pere on Twitter Rich Dad Poor Dad

34. From Military to Millionaire with David Pere

Amanda Huffman served in the Air Force for six years as a civil engineer. She got married and was expecting a baby when she decided to transition to civilian life. The transition was harder than she thought it would be as she discovered her identity was tied to the military. She didn’t really feel like she fit in with veteran groups or training programs, because she was a woman and wasn’t looking for career opportunities. She was going to stay at home with her baby and identified more with military spouses.  She began writing about her experience and started the Airman to Mom blog. Through her work, she discovered that military women had interesting stories to tell, and she wrote Women of the Military: A Compilation of Stories from American Women Service Members which also led to her Women of the Military Podcast where she talks to military women and gives them an outlet to share their stories. We chat about Amanda’s story, veteran organizations, and some of her favorite stories. We also talk about how her and her husband handle their finances, tools they use, saving or paying for college, and retirement possibilities.  Highlights from Episode 24 [00:58] Amanda served in the Air Force for 6 years as a civil engineer. She is now a stay-at-home mom and a military spouse. Her husband is in the Air Force. [01:22] After leaving the military, Amanda was struggling and having an identity crisis, so she decided to write about it in her blog Airman to Mom. [01:28] In 2017, she did a series on deployments. She had an overwhelmingly female response, and she realized she was in the right place at the right time. [02:00] She started collecting stories about military women, and that's what Women of the Military is all about. [02:08] She features 28 stories about military women. She also podcasts about the same topic.  [02:37] Amanda was surprised by how much her identity was tied to her military service. She was transitioning out of the military and just had a baby. It threw her for a loop she didn't expect. [04:16] There weren't any available resources for people getting out of the military to be a stay-at-home mom. [05:08] Amanda has been out of the military for 6 years, and she's just now getting involved with veterans organizations. [06:41] The first organization Amanda got involved with was Wreaths across America. It brought back her connection to the military. [08:45] Amanda began writing on her blog and now mostly focuses on her podcast.  [09:32] One of the most moving stories that Amanda recorded was about a woman who was raped twice while serving. This woman became an advocate for another rape survivor and turned her story into positive action.  [12:02] Amanda's book has a lot of anonymous stories, but they are great stories.  [12:56] Amanda met the first female cadet from the Air Force Academy. This woman was kicked out of the academy for failing calculus even though men who failed were not kicked out. The story explains how the odds were stacked against the over 100 women who graduated. [14:26] Her husband travels a lot. It's like deployment where they have to drop everything and go.  [15:42] They track their finances with mint. It's more accurate than a spreadsheet. [19:14] We talk about the blended retirement system.  [20:04] They have GI bills for their kids college fund.  [23:58] Amanda and her husband were able to save a lot so now Amanda doesn't have to work, and they have an emergency reserve.    Links and Resources   Women of the Military: A Compilation of Stories from American Women Service Members Women of the Military Podcast Airman to Mom Amanda Huffman on Facebook Amanda Huffman on Twitter Amanda Huffman on Instagram Wreaths across America VETTYS Service Women’s Action Network Mint Tiller

33. Women of the Military with Amanda Huffman

Tim K. is the founder of The Veterans Project which is an online journal that profiles the experiences of veterans. He is the host of The Veterans Project podcast and he also started The Caregiver Project. Tim shares how he grew up with a proud military tradition. His father suggested he do the honorable thing when Tim was looking for ways to pay for college. Tim decided to enlist and be a cook. He finished high school, went to basic training, and started college. Tim was in for the surprise of his life when he ended up being deployed in Iraq in a mostly infantry mixed unit.    In retrospect, this turned out to be one of the best experiences of his life and what enabled him to embark on his meaningful and impactful passion of sharing stories of other veterans. Tim shares his journey and a very touching story from one of his first interviews. He also shares why it was so important to evolve from just focusing on the stories of veterans and start The Caregiver Project. Tim also shares the surprising impact of his podcast and how it has enabled him to reach a new audience. This is the perfect story of passion and work creating a real impact.    Highlights from Episode 24   [01:08] Tim is from South Texas. They have a proud military tradition there. His dad was in the Air Force for about 10 years. [02:01] He grew up in San Antonio with a respect for military tradition. [04:15] In 2005, Tim needed college funds, so he became a cook in the military. [05:48] He went to basic training at Fort Knox, Kentucky. Basic training was rough. [08:01] He became a cook, then halfway through his college career he was deployed to Iraq. [09:04] Tim was called into a mixed unit with mostly infantry. It became one of the best experiences of his life. [10:39] Without having gone to combat, Tim  wouldn't have The Veterans Project. [10:53] His deployment taught him a lot about himself and the rigors of deployment overseas. [11:39] After returning from Iraq, Tim went into a Master's program. He began learning photography.  [14:53] His teacher suggested that he tell veteran's stories for his capstone project. He was so impacted by the process, that he couldn't imagine not doing this.  [18:28] The Veterans Project is a comprehensive black and white essay where Tim follows veterans around and tells their stories. He also talks about reintegration and their lives before the military. [18:55] He began with Iraq and Afghanistan veterans. He then expanded into World War II. His first interview was so amazing that it was almost unbelievable.  [25:10] He did a project that included all of the prescriptions and struggles of a vet after the military. This story has such an impact on students he shared it with. Unfortunately, this vet took his own life a year later.  [27:12] Tim wanted to share the family stories too. This began The Caregiver Project. He began with a white star family and then moved immediately to a gold star family.  [30:58] Many of these families have made the ultimate sacrifice, and it never goes away. Even after they've moved on with their lives.  [32:13] Tim has to tell the stories of ultimate sacrifices made. [33:07] Tim would love for his work to one day be a permanent Smithsonian exhibit. [33:39] His goal is to constantly keep the project funded, so he can continue to tell the stories. [34:56] Civilians also make sacrifices at home. The podcast focuses on some of the support provided by the civilian community. It bridges the gap and shares stories of veterans, civilians, and caregivers.  [37:21] He had some fear and trepidation about starting the podcast. It's been going for about 6 months now.  [37:49] Tim realized by starting the podcast, he was reaching a whole new demographic of people. It's another way to tell stories, and he's making every effort to share those stories.    Links and Resources   The Veterans Project The Veterans Project Podcast The Veterans Project on Facebook The Veterans Project on Twitter The Veterans Project on Instagram The  Caregiver Project The  Caregiver Project on Facebook The  Caregiver Project on Instagram

32. The Veterans Project with Tim Kolczak

Janis Bruns is a retired Special Forces Officer. He served in the military in Latvia for 13 Years. He was also deployed in Afghanistan and Africa. He trained in Germany and was a Special Forces Instructor. His military career had been going well, yet he felt some areas in his life were lacking. He was also influenced by his mother who cured herself from cancer and went on a journey of self-discovery.  After taking a good hard look at his life, he decided to make the transition from military life to civilian life and help people by being a personal development coach and work in the field of emotional trauma. He wrote The Transition Manual to help people with successful integration from the military into functional civilian life. Service members retire, people need their lives to work out well, and emotions can be difficult. This manual can help and so can this episode.    Highlights from Episode 24 [00:52] Janis is a retired Special Forces Officer. He's from Latvia. He served in the military there for 13 years and did his officer's training in Germany.  [01:32] He's been deployed to Afghanistan and Africa, and he's spent the last years being a Special Forces Instructor. [01:47] The world has totally changed since he joined and left the service. [02:43] Things were going well career wise, but his private life and his financial life were a mess. [04:47] His mother cured herself from cancer and was doing a lot of work with breathing and meditation. She also worked with Janus, and he started seeing himself and the world in a different way. He wanted to help the world in a different way. [06:20] He decided to become a personal development coach in the field of emotional trauma and emotional work. [07:26] With meditation you shut off the chattering in your mind. When the chatter stopped, he experienced a deep calmness and ease.  [08:24] He wanted to share this experience with other people. He wanted to inspire people to change themselves. [08:57] He saw a lot of soldiers who are stuck in their emotions. He knew they could change their lives by understanding how their minds work. [09:49] His book is primarily for military people active or retired, but 95% of it has civilian stuff inside, so it can help anyone. [11:10] He felt a calling to help people step out of the military in a more harmonious way. [12:17] He wanted to address mind, body, emotions, relationships, and financial issues to help people make the transition smooth and easy. [13:02] 95% of our minds reside in the subconscious. [15:54] Perceptions of the mind can be changed. Still associating yourself as a military member drags all of those emotions from the past into the present. [16:44] Our emotions happen now but can be triggered by our past and our memories. We need to stop thinking of ourselves in the perspective of the past and create a person for today. [22:02] One of the things that Janis does is use breath work to expand the mind and consciousness. He also recommends consulting with a professional before engaging in these breathing techniques. [23:13] Just focus on the breathing, that's it. This synchronizes your heart with your brain and makes your body more coherent. [24:24] There are multiple benefits. Athletes and Navy Seals all use this method. [24:48] Google breathing techniques such as breathing for calmness or breathing for focus. [25:52] Expanding your consciousness allows you to access your subconscious mind. [27:10] You can also try tension release exercises. You can shake out your system. Also address the emotional work. [29:17] Try breathwork therapy or meditation, or anything to address the subconscious mind. [31:39] We need to clear out the anger and fear and emotional trauma from childhood. [32:12] Affirmations can also help address the subconscious mind. Use these to change your negative beliefs. [33:02] Neuroplasticity allows us to change the neurocircuitry of our brain.  [37:32] Try different breathing circles such as the Wim Hof Method.  [40:36] Get educated about your mind, emotions, and spirituality. It's about your relationship to your inner self.   Links and Resources The Transition Manual The Transition Manual: Successful Integration After Military Service Into Functional Civilian Life Janis Bruns on Facebook TRE Wim Hof Method

31. The Transition Manual with Janis Bruns

Doug Nordman was a submariner in the Navy. He has been retired for over 17 years and has been living a life of financial independence since 2002. He also spends as much time as possible traveling around the world. He and his family will often take trips that revolve around visiting family or going to conferences like FinCon or FI Chautauqua which is based on interesting conversations with interesting people in interesting places.    He is also a financial blogger, author, and podcaster. His blog and his book are called The Military Guide. He is passionate about sharing his knowledge with other service members about how to retire early, be financially independent, invest wisely, navigate complicated benefit structures and get the most out of them, and find the knowledge to make informed decisions. Doug is also a surfer and lives in Hawaii. He is someone who lives the life he wants and helps others to do the same.    We dive deep into this episode and talk about Doug’s journey, and specifics of military retirement. We talk about the TSP program, VA disability, reserve benefits, TAP, and more. All of these topics are huge, but Doug shares enough to help understand what’s out there for you and what you need to learn more about. Doug’s website and book are full of helpful resources, and we also provide helpful links in this episode.    Highlights from Episode 24   [01:12] Doug is living the life that you live after financial independence and after the military. One of the things he is doing now is slow travel.  [02:00] He recently went to FI Chautauqua in Portugal. The theme of it is interesting conversations with interesting people in interesting places. [02:45] Doug has been retired from the Navy for 17 and 1/2 years. His wife is also retired and they have been financially independent since 2002. [03:08] They were able to become world travelers when their daughter went to college in 2010. [03:28] Doug was a submariner in the Navy and he got to Pearl Harbor in 1989 and never saw a reason to leave. [04:24] His wife retired from the reserves, and the retirement process is more complex than it needs to be. [05:10] After twenty good years in the reserves, you are allowed to retire. The gray area is the time between when you stop being active in the reserves and when you can collect your pension. The normal age is 60, but there are some earlier options for people who've been on active duty. [07:11] In the reserves, you can buy TRICARE Reserve Select. In the gray area, you can still get it, but it's more expensive. [09:31] The VA disability rating is also very confusing. It's ironic that those who are the most in need of the benefits are the least able to get through the process. [12:15] Going to the dentist in other countries is cheaper and they go when they travel.  [13:23] Only 15% of service members would ever serve long enough for a pension. 85% left the military with only what they put away in their Thrift Savings Plan and their investments.  [13:52] Service members wanted a 401k or something that does matching. This is where the tsp, Blended retirement system, and the 5% match from the Department of Defense started up. [15:23] The TSP is ran by a contractor for the federal government called BlackRock. The funds mimic the index and other funds.  [16:30] The TSP used to be the world's largest collection of index funds with the lowest expense ratios. Now it has a lot of competition from other funds with lower expense ratios.  [17:18] When choosing between a TSP or another 401k, do the math see who gives you the highest match and has the lowest expense ratio. Usually, the TSP will win. [18:23] A traditional TSP could give you a tax break by allowing you to put money in before it's taxed. These taxes are only deferred, and you'll have to pay them sooner or later. This is why there can be benefits to a Roth. [19:16] A Roth TSP can grow tax-free, you can withdraw what you put into it, but you do have to do required distributions. [20:28] A Roth also passes to your heirs easier. [21:44] When you get pay increases, you can put away serious money in your Thrift Savings Plan. Eventually, you'll maximize the TSP and your other IRAs. Then you put the rest of your savings in taxable accounts. [23:15] Index funds are an easy and simple way to stay in the market. Doug also has some angel investments that he's waiting to see how they play out. [26:21] Doug started out using Excel and then moved on to Quicken to manage his money.  [27:07] He uses the Personal Capital app to track all of this spending.  [28:03] Basis is what you spend on a property when you buy it and possibly the improvements. It's also the cost of selling the property. [30:04] Have a professional help you when you first purchase your rental property, because if you calculate your basis incorrectly it will affect you for the rest of the life of the property. [31:19] Doug and his family went to the Naval Academy. [33:17] The GI bill can be a great tool. Sometimes people don't use it because of lack of knowledge. [34:12] Doug has been following the financial independence movement since the early 90s. [35:29] Financial independence can give you a lot of choices and allow you to make a career change if you want. [40:05] It's easier now to transition out of military service with online services. There is a TAP program that can educate service members and their spouses. Review your VA benefits.    Links and Resources   The Military Guide Doug Nordman on Facebook Doug Nordman on LinkedIn The Military Guide to Financial Independence and Retirement FinCon FI Chautauqua BlackRock Personal Capital Transition Assistance Program

30. Financial Independence with Doug Nordman

Having a grasp on financial literacy can make a huge difference in a young person’s life. Yet many young people don’t even start saving until they are in their mid 30s. George and Gina Plytas are a couple who have worked in the financial industry for years. They even did a stint in collections and saw first hand how devastating it can be to not have a grasp on one’s finances.  They knew that they not only wanted to educate themselves, but they also wanted to educate their children about financial literacy. They coauthored the book Kids Get Rich: Teaching Children the Secrets to Wealth and Success and run the website Kids Get Rich. It’s their goal to help educate parents on how to educate their kids on understanding finances. In this episode, we talk about how important it is to begin things like saving early to create lifelong habits.  George and Gina share their principles for good financial discipline and how they implement this with their kids. It’s their goal to help instill good financial habits when kids first encounter money. These habits can be used throughout adulthood. They talk about age-specific habits and share what has worked for them and others. They share their simple, yet powerful system that can help make wealth and success habits for life.  Highlights from Episode 24 [00:47] Gina has worked in the financial services industry for over two decades. The majority of her career has been in talent development, knowledge, and learning. She's worked with institutions training their new hires and leaders around finances.  [01:15] George currently has an IT consulting company. He also began his career in the financial services industry. He also worked in collections while he was in school and trying to make some extra money. [01:44] Gina also spent part of her career in the collections area. [02:23] The reality is that even people who work in the financial services industry make mistakes. [02:48] George and Gina wanted to make a difference in the way they operated their finances, and they were very purposeful with their children and teach them how to effectively manage finances. [03:04] They wrote the book Kids Get Rich. They wanted to write the book for their kids and for other people and their kids too. [04:01] The book is about sharing knowledge and best practices that they discovered when they started learning about finances. [04:52] Their six strategies include inspiring the spirit of advancement, pay yourself first, and starting early so positive habits become almost automatic. [06:50] The idea is to pay yourself as if you're paying a bill.  [07:26] Kids get access to money in different ways. Teaching discipline at a young age makes it a habit. 50% of an allowance can be saved. Pay in divisible denominations.  [09:39] Starting with physical money makes it tangible.  [10:37] Pay-for-performance is a strategy to help kids make the connection between working hard and earning money. [11:40] Save for a rainy day. The impact of unexpected expenses can be stressful. Kids can use their rainy fund for their phone if it's lost or stolen.  [13:53] George and Gina paid for grades. The financial reward for good grades can be effective.  [15:14] The kids even set their own goals. [15:28] Strategy five is investing in your future. Money compounds and grows. Show kids what happens when you save a little for a long term.  [17:47] Giving back with money and time and other things. [20:53] Find ways to give together through volunteer work. [22:17] Teach kids what you are learning. [22:49] Everyone in the house has responsibilities. There are also additional items that can be incentivized with cash.  [27:20] You can share some basic monthly expenses with kids and share the math. [28:11] This is also a good way to introduce budgeting. Sharing financial information made a light bulb go off for their kids.  [29:17] Money oriented games are also good.  [30:08] George shows his kids his stock charts. [30:44] Some schools have programs where kids pick and research stocks.  [31:31] Get two piggy banks. One is for saving and one is for spending. Save at least 50% of any money that comes in.  [33:05] The book has a wealth check and helps open the conversation about money.  [34:30] They are going to building workbooks to help parents work with their kids.    Links and Resources Kids Get Rich Kids Get Rich: Teaching Children the Secrets to Wealth and Success

29. Kids Get Rich with George & Gina Plytas

Riley Adams is here to talk about financial independence and taxes. After all, we are nearing that time of year again. We all know that taxes are something that need to be planned for in advance instead of waiting until it’s time to file. Riley has a master’s degree in applied economics, he is a CPA, and he works at Google. He also runs the website Young and the Invested. This is a place for young professionals to learn about financial independence and entrepreneurship.   Riley and his wife live in the Bay Area. She is a doctor and they have a six-month-old son. Riley’s dream is financial freedom for him and his family, so he can work at whatever he wants to work at and not be dependent on a certain employer to make ends meet. We talk about saving, investing, paying yourself first, and the new tax laws. We tackle depreciation, tax savings, and why it’s not a good idea to invest solely based on tax savings. Riley’s enthusiasm for smart wealth building is contagious and this is a fun and informative episode.    Highlights from Episode 24   [00:58] Riley is from New Orleans. He has a master's degree in applied economics. [01:47] After graduating, he got a job at the power company in New Orleans. He dealt with financial planning, strategy, and renewable energy policies. [02:04] He worked there for six years. He learned all about your renewable energy, and he even met his wife there. [02:20] His wife graduated from medical school, and now they live in the San Francisco Bay Area. [02:37] Riley now works at Google. His project is to streamline the advertising programs. He and his wife also have a six-month-old baby. [03:42] At the end of 2017, the Tax Cuts and Job Act was passed. [04:08] It's geared toward benefiting corporations by making the tax rate 21% as opposed to 35%. [07:26] Depreciation is when you make a large capital investment, and you can't expense it in the same time that you purchase the asset. You recognize a proportional expense over a period of time. [08:48] Depreciation with rental properties is very common. The depreciation can make a rental property income a loss and lower your taxes. [11:37] You can depreciate the improvements versus the land value. [12:12] The standard deduction was dramatically increased. The idea was to create less work without having to itemize deductions. [16:06] State taxes do things a little bit differently. Each state is different. Navigating multiple states is complex.  [23:35] There can be a huge amount of tax savings if you derive most of your income from qualified passive income. [24:42] Saving on taxes shouldn't drive your decisions for investing. [26:18] Riley is hoping that through wise financial decisions and investing, he will be able to free himself up from employers and have the freedom to do any job that he wants.  [26:56] Millennials want to follow their passion and be able to do what they want to do. [27:38] Riley recommends that millennials pursue financial independence. [29:03] The FIRE movement is about being able to retire early. The Fat FIRE movement is about being able to retire early without scrimping and saving and living such a frugal life. [31:30] Riley and his wife have savings goals. They look at their income and make a savings target. Whatever is left is to spent and enjoyed.  [33:15] They have different IRAs and some shared accounts and a home savings account.  [34:32] Multiple accounts make you liable for multiple capital gains at tax time. [35:15] Young and the Invested is Riley's financial website. His target audience is his wife. [37:01] The site explores ideas on reaching financial independence for young professionals. [38:54] There was an article about him from NerdWallet that was syndicated in the New York Times. [39:19] Sacrifice frivolous purchases to create financial independence.    Links and Resources   Young and the Invested riley@youngandtheinvested.com Mint Tiller Financial Samurai Time Your Credit Card Application This Bonus-Friendly Season Young and the Invested on Twitter Young and the Invested on Facebook

28. Taxes and Financial Independence with Riley Adams

Tony Elion made $300,000 in 13 months by investing in the stock market. He has a unique story that highlights the benefits of being in the military, formal education, self education, and taking smart risks. Tony went to college and graduated, but he didn’t really know what he wanted to do, and he was facing a tough recessionary job market. He learned to speak spanish, play the guitar, and take siestas, in Spain before coming back to the US and joining the Navy.  He had a seven month gap before his deployment and worked in an Amazon fulfillment center. Amazon was giving employees shares of stock, and he received two shares of Amazon stock. This was his first introduction to the stock market. While deployed in Japan he continued to educate himself about finances, stocks, and investing. After leaving the military, he decided to take advantage of the GI bill and get his advanced degree and then attend law school.  He also used scholarship money to invest. His investments started paying off, but Tony wants to emphasize that it was education and discipline that led to his success. He has also written a new book called Sailor to Student: How I Made a Quarter of a Million Dollars in the Stock Market, and You Can Too. In this episode, Tony gives us a first hand account of his amazing story along with sound tips and advice for investing, finances, and life.    Highlights from Episode 24 [00:47] Tony is from Memphis, Tennessee. After college, he wasn't sure what he wanted to do. [01:13] He taught English in Spain for a while. [02:25] Two weeks after returning from Spain, he signed up for the US Navy. [03:58] He was an assistant for the chaplain and worked with people all day. [04:47] He was in Japan for four years. He used his GI bill to get his master's degree. He then decided to go to law school. [08:01] Penn State gave him a $33,000 a year scholarship. [09:50] The GI bill is a versatile tool to change your future or your family's future. [10:48] Tony recently wrote a book called Sailor to Student: How I Made a Quarter of a Million Dollars in the Stock Market, and You Can Too. [11:24] Tony used his scholarship money and invested in the stock market. In 13 months, he was able to grow his portfolio to over $300,000. [11:43] He would post his investments on social media and people started asking him questions. [12:37] He decided to answer everything in one place in the new book. [15:07] His first introduction to stocks was when he worked at the Amazon fulfillment center, and they gave everybody two shares of stock. [16:25] When he came back from service, he now had 19 shares of Amazon stock and it was worth $18,000. [17:02] His first investment was putting $20,000 into Amazon stock. [17:27] He would look at companies that he knew. His next choice was Netflix. [18:26] The most money he ever made was with a cannabis investment in Canada. He sold all of his stocks and bought this stock. He held it for 8 days and made $175,000. [20:59] Tony is a big fan of discipline and delayed gratification. Create plan, a budget, and stick with it, and you can really grow your finances. [23:29] He founded Love Now Incorporated in 2017. [23:55] Tony's been successful, and he wanted to give back. [24:53] His organization is about taking people where they are and giving them the help they need. [25:11] Last year they had a coat giveaway event for International students who didn't have them.  [26:49] Tony left the military in 2016. [28:23] Tony would go to the library on base and learn all about finance. His success was more about discipline than luck.  [30:01] It's better to sit down and learn everything on your own.  [31:28] Passive investment is almost mandatory as society progresses. People need to take advantage of investing to benefit from compound interest.  [33:55] The military is now creating programs to protect people who enlist after they leave.  [35:44] Look at your money. Make a budget and track what you. Stick with your budget and save. Life insurance is an investment, have your foundation in place. Get an emergency fund. Then invest.  [39:20] When stocks start to fall is the time to buy. Save now.    Links and Resources Tony Elion Sailor to Student: How I Made a Quarter of a Million Dollars in the Stock Market, and You Can Too. Love Now Inc. on Facebook Tony Elion on Facebook Tony Elion on Twitter Tony Elion on Instagram Personal Finance for Dummies

27. From Sailor to Student to Author with Tony Elion

David Stein is the host of the Money For the Rest of Us podcast and the author of Money for the Rest of Us: 10 Questions to Master Successful Investing. David was an institutional investment advisor who managed money for endowments, foundations, and financial planners. Eventually, he knew that he wanted to branch out on his own, and he started Money For the Rest of Us.  According to David, his new book distills the financial information that he has been talking about for the last 20 years. He breaks the chapters down into 10 questions that we can ask to build a framework for investing. He says that we don’t have to be experts to invest, but having a plan and a framework to work through can help us ask the right questions to discover which investments are right for us.  He says that portfolios don’t have to be complicated and can be as simple as two or three funds. In this episode, David walks us through his 10 questions and shares insight and wisdom from his financial experience. He shares the difference between optimzing and diversify and why you can think of your portfolio as a flower garden with a diverse range of plants. He also gives his advice for people who are just starting out with investing and saving.    Highlights from Episode 24 [00:44] David was an institutional investment advisor for about 17 years. He managed money for endowments, foundations, and financial planners. [01:02] When he was in his mid-forties, he realized he wanted to do something else. [01:16] He now works for himself and runs the Money for the Rest of Us Podcast where he teaches people about investing and how money works.  [01:58] David Stein is the author of the book Money for the Rest of Us: 10 Questions to Master Successful Investing where he has distilled everything he has been talking about for the last 20 years. [02:40] His book is geared towards individual investors to give them a sense of confidence. [03:13] David wants to help individual investors find a way to analyze all of their options. This book will help them decide how to make decisions around investing and what to invest in. [04:08] The book does include some tactics but those are to reinforce the strategic plan. [04:35] The book is structured with each chapter having a question to ask ourselves before we invest. Together these questions form an investment discipline. [05:45] Question 1 begins with what is it. If we can explain what we're investing in then it may not be the best option. [07:22] Question two asks whether it's investing, speculation, or gambling. Is there an income component? Will the return be positive or negative? Gambling has a negative expected return. We do it for entertainment value. [09:24] We should be spending money on things that help us figure out our purpose in life. When people leave the military they are often not sure what to do next. [11:18] Be aware of the return on your investment whether it's college or another investment. [12:54] The next two questions are what is the upside and the downside. Investments can be broken down into cash flow, how the cash flow is growing, and what are investors paying for that cash flow stream. [14:35] The downside is the maximum potential lost that could happen and what the impact of that would be. [15:30] Understanding how to measure risk helps us to make allocation decisions. [17:18] We've been in a 10-year bull market with stocks. Don't assume recent events are going to continue. [19:33] The next question is who's on the other side of the trade. Knowing who's selling something and why can be valuable information, because you'll know how motivated they are. [22:46] Trading is a zero-sum game and there's a loser for every winner. When you trade Forex or options you're competing against institutions. Those institutions know more about trading and the flow of the orders and the drivers of the market. [29:14] Question number seven is what does it take to be successful. In real estate, you need to separate the underlying expenses and cash flow. [31:00] Question eight is think about who's getting a cut of the return. A lot of the return can go to taxes. Recognize taxes and fees. Having to pay taxes does mean you've been a successful investor. [32:22] Question nine is how does it impact your portfolio. This comes down to asset allocation. Think of it as a flower garden that you want to diversify. You don't optimize your garden, you diversify it. [35:33] Question 10 is should you invest.  [37:24] Answering these questions will help you form an investing discipline. [37:34] David's book was endorsed by Annie Duke. We shouldn't beat ourselves up for the outcome of our decisions. [38:15] Professionals have a framework or checklist to guide them. [39:45] Thrift Savings Plans have the G fund which is a government bond fund. It has a higher yield than many bond funds. The price won't fall as interest rates rise. [40:42] You could invest in a TSP and then put your taxable money into an ETF or Index Fund. [41:37] Portfolios don't have to be complicated. Investing can be as simple as owning two or three funds.  [45:54] Start small with investing and about investing. You'll always be learning more. Set the discipline to start saving. Try to allocate 15 to 20% to savings.    Links and Resources Money For the Rest of Us Money for the Rest of Us: 10 Questions to Master Successful Investing David Stein on LinkedIn Thinking in Bets: Making Smarter Decisions When You Don't Have All the Facts  

26. Tending Your Portfolio with David Stein of Money For the Rest of Us

This podcast will focus on the military specific financial issues faced by military members. It provides useful information and actions to improve your finances.

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Sheepdog Financial

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