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Improving your credit score can feel overwhelming, especially when life throws unexpected challenges your way. But it’s absolutely possible to boost your credit score quickly with the right steps. Whether you’re planning for a big purchase, aiming to qualify for better loan terms, or simply want to feel more financially secure, I’m here to guide you through practical, doable actions that build your credit health. Together, we’ll break down the process into clear, manageable steps that fit your life and goals. Quick Credit Score Fixes You Can Start Today Check Your Credit Report for Errors Pull your credit report from the three major bureaus (Equifax, Experian, and TransUnion). Look carefully for mistakes like incorrect balances, accounts that don’t belong to you, or outdated information. Disputing errors can quickly improve your score once corrected. Pay Down Credit Card Balances Your credit utilization ratio - the amount of credit you’re using compared to your total available credit - plays a big role in your score. Aim to keep this ratio below 30%. Even paying down a few hundred dollars can have an immediate positive impact. Avoid New Credit Applications Each time you apply for credit, a hard inquiry appears on your report, which can temporarily lower your score. Hold off on new credit applications while you focus on improving your current accounts. Set Up Payment Reminders or Auto-Pay Payment history is the biggest factor in your credit score. Missing payments can hurt your score quickly. Use reminders or automatic payments to ensure you never miss a due date. Become an Authorized User If you have a trusted family member or friend with good credit, ask if they can add you as an authorized user on their credit card. This can help build your credit history without you needing to open a new account. These quick fixes are like small wins that build momentum. They help you regain control and start seeing progress right away. What Brings Your Credit Score Up the Fastest? Reducing balances and fixing payment history usually create the fastest changes. Other impactful moves include negotiating to remove negative items, requesting credit limit increases, and building positive history through secured cards or credit-builder loans. Reducing Credit Card Balances If you have high balances relative to your credit limits, paying them down can lower your utilization ratio and improve your score within a billing cycle or two. Fixing Payment History Issues If you have missed payments, bringing accounts current and staying consistent with on-time payments going forward will gradually repair your score. Some lenders may even agree to remove late payments if you ask nicely and have a good history. Removing Negative Items Sometimes, you can negotiate with creditors or collection agencies to remove negative marks in exchange for payment. Increasing Your Credit Limits If you have a good payment history, ask your credit card issuer for a credit limit increase. This can lower your utilization ratio without you having to pay down balances immediately. This doesn't mean you should use that available balance; discipline will be required to avoid overextending your finances. Building Positive Credit History Opening a secured credit card or credit-builder loan and making timely payments adds positive data to your report, which helps your score over time. Remember, credit utilization and payment history make up about 65% of your score, so focus your energy there. Reviewing credit card balances to reduce utilization How Military Families Can Navigate Credit Challenges Frequent moves and deployments add unique stress to managing credit. To stay ahead: Use protections under the Servicemembers Civil Relief Act (SCRA). Plan budgets around deployment changes and automate bill pay. Lean on military credit unions and resources built for service members. Contact creditors early if you expect hardship—many will work with you. Keep an emergency fund to avoid relying on credit during tough times. These steps provide stability and protect your score when life shifts unexpectedly. These steps help you maintain financial stability and credit health despite the unique demands of military life. Practical Tips to Keep Your Credit Score Growing Once you’ve made those quick fixes, it’s important to keep your credit score on an upward path. Here are some practical tips to maintain and grow your credit health: Monitor Your Credit Regularly Use free tools or services to monitor your credit report and score. This helps you catch errors or suspicious activity early. Keep Old Accounts Open The length of your credit history matters. Even if you don’t use some cards often, keeping them open can help your score. Diversify Your Credit Mix Having a mix of credit types - credit cards, installment loans, mortgages - can positively impact your score. But only take on credit you can manage responsibly. Limit Hard Inquiries Space out credit applications to avoid multiple hard inquiries in a short time. Stay Consistent with Payments On-time payments are the foundation of a strong credit score. Set it and forget it with autopay if possible. By following these tips, you build a strong credit foundation that supports your financial goals for years to come. Take the Next Step Toward Financial Confidence Improving your credit score is about more than chasing a number—it’s about opening doors to better opportunities, reducing stress, and gaining control over your financial future. Every action you take today lays the foundation for long-term financial confidence. 👉 Ready to take control of your credit?  Don’t navigate this journey alone. Book a Financial Clarity Call  with me at Harris Financial Coaching. Together, we’ll create a personalized roadmap to improve your credit fast, rebuild your financial confidence, and help you achieve the freedom you’ve been working toward. Your credit journey starts now—let’s take that first step today. Your credit journey starts now - take that first step today!

Photo by Alexander Grey via Unsplash Greed is more than just a flaw; it's a powerful force that quietly drives our decisions, distorts our priorities, and reshapes our lives. Across six compelling books, the pursuit of money, status, and control is examined from various angles. Careless People by Sarah Wynn-Williams reveals Facebook's profit-driven rise and moral decay. Good Dirt and The Jungle expose labor exploitation and economic disparity. Greed: A Seven Deadly Sins Novel personifies temptation and the price of unchecked ambition. Get Good with Money by Tiffany Aliche reframes financial power through discipline and self-worth, while Parable of the Sower by Octavia Butler warns of a world where inequality consumes society itself. Together, these works form a vivid study of money's dual nature—how it can build security or breed destruction, depending on who holds it and why. As an * Amazon Associate , I earn from qualifying purchases from books I've personally read and gained valuable insights from. 6 Must-Read Books About Greed and How to Overcome It Greed: A Seven Deadly Sins Novel by Victoria Christopher Murray In Greed , Zuri Maxwell is a sales representative exploring a career in sales to maximize her earnings through commissions. However, her sales career and the compensation she receives do not provide the lifestyle she expected. Consequently, Zuri has had to find a way to earn money and live the life she has always desired. This comes at a cost, as she deceives her boyfriend, Stephon, into believing she is working for her employer while she is being entertained by the Atlanta elite. This situation weighs on Zuri's conscience, but she cannot resist the allure of the lifestyle she has long pursued, even at the expense of her relationships and friendships. In the end, it's interesting to see the outcome of all the winning, dining, and having every dream of Zuri's come true. This book has a surprising twist that unfolds near the end and makes you question whether fulfilling your fantasies is worth it. Good Dirt by Charmaine Wilkerson Good Dirt covers multiple genres of literature and fiction. It tells a story of romance, loss, slavery, greed, and more. The narrative follows Ebby and her parents as they deal with the loss of her brother Baz. It all stems from a jar called Old Mo. Old Mo is not just an ordinary jar; it holds immense historical value and sentimental significance for Ebby's family, symbolizing their heritage, unity, and the memories they have shared over generations. The jar is cherished not only for its physical beauty but also for the stories and traditions it encapsulates. However, the family's happiness, achievements, and the wealth they have accumulated throughout their lives become overshadowed by a single catastrophic event—the death of her brother Baz and the shattering of Old Mo. This incident is not merely a physical breakage; it represents a fracture in the family's emotional and psychological foundation, leading to a cascade of turmoil and conflict. As the narrative unfolds, it becomes increasingly clear that the greed of one individual, who covets what does not rightfully belong to them, can have far-reaching consequences. This affects not only the lives of those directly involved but also the broader community connected to them. The pursuit of wealth and material possessions often leads to moral decay, serving as a poignant reminder of how greed can corrupt even the most sacred of familial bonds. Get Good With Money: Ten Simple Steps to Becoming Financially Whole by Tiffany Aliche Tiffany Aliche's journey from financial downfall to prosperity is inspiring. She explains how she was swindled out of her money by two individuals she thought she could trust. The first individual took over $20,000 and ran away with it. All Tiffany dreamed of was earning over $2,000 a week from the returns on her investment when she took a cash advance on her credit card. Ultimately, she was left with nothing but a credit card bill. Next comes a best friend who moves into her condo but doesn't pay rent on time. What is Tiffany to do? The only thing she knows how to do, on a teacher's salary, is to pay the credit card bill and mortgage until she can figure out how to live her dream. In Get Good With Money , you will learn more about Tiffany's experiences with untrustworthy people and how you can become financially whole through budgeting, saving, and investing your way to wealth the right way. While pondering how you can Get Good With Money, check out these helpful resources to achieve financial wholeness and not let the greed bug bite. Seeds of Greed: A New Look at Parable of the Sower by Octavia Butler In this fresh take on Octavia Butler's famous book, we meet Lauren Olamina, a teenage girl who feels other people's pain in her own body. Lauren lives in a future America where money rules everything. Big companies own the water while regular families go hungry. Behind her neighborhood's walls, Lauren watches as people care more about getting rich than helping others. Then, one night, her safe home burns down, and she must escape with nothing but her ideas for a better world. On the dangerous roads of America, Lauren sees what greed has done. Empty mansions stand next to homeless camps. People fight over food while the rich hide behind guards. As Lauren meets other survivors, she shares her new belief system called Earthseed. It teaches that real wealth isn't about money or stuff—it's about helping others and sharing what you have. Butler's story warns us about what happens when we care too much about getting rich and forget about being kind. In Lauren's broken world, the truly wealthy aren't those with the most things but those who remember how to care. The Jungle by Upton Sinclair The Jungle by Upton Sinclair explores the dark side of the American Dream through the journey of Jurgis Rudkus, an immigrant from Lithuania seeking a better life in early 20th-century Chicago. Upon arrival, Jurgis and his family are thrust into the harsh realities of the Packing District, where exploitation reigns and workers struggle to form unions for fair wages and safe conditions. Their aspirations quickly collide with financial instability, health crises, and moral dilemmas, leading them to make desperate choices to survive, including crossing ethical lines during a union strike. As tragedy strikes and the family faces unimaginable loss, they embark on individual quests to navigate life's challenges, confronting harsh choices that test their dignity. Ultimately, they are reunited, but their experiences leave lasting scars that alter their dreams of the American Dream. Sinclair's narrative serves as a poignant reminder of human resilience amid adversity, inviting readers to reflect on the relentless fight for justice and dignity that resonates through generations. Will the Rudkus family find hope, or will they be consumed by the very system they sought to escape? The answer lies within this unforgettable tale. Careless People by Sarah Wynn-Williams Careless People by Sarah Wynn-Williams is a striking exposé on how greed and the pursuit of profit can corrupt innovation. Wynn-Williams, one of Facebook's early employees, reveals the company's rapid rise from a startup to a global powerhouse, and the moral decline that accompanied it. From her position within Facebook's media division, she describes Mark Zuckerberg's ambition and the corporate culture that valued growth and revenue over ethics and accountability. The book explores how Facebook's ad algorithms enabled the spread of misinformation and political manipulation, shaping elections worldwide, including the 2016 U.S. presidential race. Wynn-Williams also shares disturbing accounts of workplace misconduct and gender bias, exposing a culture driven by money and influence rather than integrity. Careless People challenges readers to consider the true cost of digital power and what happens when technology outpaces responsibility. How Can You Avoid Financial Greed? Relentlessly chasing money can create a cycle of financial and emotional strain. The constant drive to earn more often leads to risky decisions, overspending, and a sense of never having enough. Over time, this pressure erodes balance, leaving even high earners feeling anxious and disconnected from what truly matters. To break this cycle, start by examining the beliefs and habits that shape your relationship with money. Greed rarely announces itself; it shows up subtly, in comparison, competition, and the quiet fear of falling behind. Practicing gratitude and defining what "enough" means for you personally can help restore clarity. When your financial goals align with your values, your choices begin to support, not sabotage, your well-being. Building wealth then becomes less about accumulation and more about purpose, stability, and peace of mind. Check out The Money Treadmill: The Road to Financial Happiness Take Action Towards Financial Clarity Are you ready to create a healthier relationship with money and lead with clarity instead of comparison? Schedule your clarity call today and start your wealth journey with Harris Financial Coaching. Together, we can empower you to achieve lasting financial independence.

Well, it's officially that time of year-the holiday shopping season-and for many, that means one thing: Black Friday. Sure, it's easy to get caught up in steep discounts and flash sales, but let's take a step back and ask: Is Black Friday really the "deal" it's marketed as? As someone interested in financial literacy and planning, I cannot help but question ourselves: are we able to manage our finances during such events, or are we likely to fall for retail tricks? From a personal finance perspective, Black Friday is the ultimate test of impulse control. If you're not careful, it can quickly devolve into a bad case of buyer's remorse and a financial hangover. I want you walking into the season with clarity, and the insights in the U.S. News & World Report  about simple and free budgeting tools , is true: structure protects your money. Black Friday Deals: The Reality They've become incredibly good at creating a feeling of urgency, offering what feels like huge discounts (let's talk cognitive distortions, shall we?). But in reality, they are just artificially inflated or masked as a "limited-time offer." How many times do we see that "Only two left!" notice next to something we're eyeing? It works. It keeps us moving, hitting "Buy Now" before we've even had time to think. That's where financial planning comes in. How can we avoid these traps? The Black Friday Spreadsheet That Keeps You Grounded This year, I am proposing something simple that can make an immense difference in the way you approach Black Friday: planning ahead. If I am anything like you, you've made quick decisions during sales events. This time, though, I'm arming myself with a potent tool-one that could change the way I shop this Black Friday. It's nothing like a secret hack or magic formula; it's just a simple Google Sheets template  to help track prices, compare deals, and finally check whether that "steep discount" is really worth it. By entering the current prices of items you're considering purchasing and comparing them with the sale prices, you can objectively determine whether you're really getting a deal or just feeling pressured to "buy now."  It’s free. It’s simple. And it works. Why It's More Than Just Shopping: It's Financial Self-Control Everything in personal finance is about self-control. We talk a lot about budgeting, savings, and investments, but one often-overlooked area is our shopping habits. Black Friday presents the ultimate opportunity to exercise financial self-discipline: you can track what you need to buy, compare current and sale prices, and make sure every purchase fits within your budget. More importantly, this simple tool helps you avoid the emotional buying traps that retailers set. It's easy to convince yourself that you "need" that gadget or jacket when it is 50% off, but is it really saving you money in the long run? Probably not, if it wasn't on your list in the first place. I firmly believe that by being intentional with your spending, you take back control of your finances-and that's the real victory of Black Friday. Why I Made This Tool For You I've always been a fan of tools that simplify complex tasks, especially when it comes to finances. Managing your money doesn't have to be stressful, and it doesn't require fancy apps or advanced knowledge. The spreadsheet is a straightforward way to stay in control. It tracks your desired purchases, monitors prices, and makes sure you stay within your budget. With an added bonus of being completely free, it's a no-brainer. And yes, it's as easy to use as it sounds. If you're already thinking about your Black Friday shopping list, this is the tool you've been waiting for .

Managing your finances and achieving your financial goals can be made easier through budgeting, which involves planning how to spend your money wisely. By creating a budget and sticking to it, you can gain better control over your finances and work towards achieving your desired financial outcomes. Budgeting can be incredibly useful whether you're looking to save for a big purchase, pay off debt, or improve your overall financial health. So, if you're serious about taking control of your finances and reaching your goals, consider budgeting a regular part of your financial routine. A Step-By-Step Budgeting Guide for Beginners Step 1: Calculate Your Monthly Income Step 2: List Your Expenses Step 3: Categorize Your Expenses Step 4: Compare Your Income to Your Expenses Step 5: Create a Budget Step 6: Track Your Spending Step 7: Review Your Budget Regularly Step 1: Calculate Your Monthly Income It is important to consider all sources of income, including the earnings you receive from your primary job, any additional side hustles you may have, and any other miscellaneous sources of income. Try not to include child support or alimony if it's not consistent or long-term. Step 2: List Your Monthly Expenses When creating a budget, it's important to consider both fixed and variable expenses. Fixed expenses may include things like rent or mortgage payments, car payments, and insurance premiums. Variable expenses, on the other hand, can fluctuate from month to month and may include things like groceries, gas, and entertainment expenses. See my feature in GoBanking Rates Don’t Be a Fool: Take These Simple Steps Today To Begin Saving Step 3: Categorize Your Expenses It's a great idea to sort your expenses into categories so you can get a better handle on them. Some common categories to consider are housing, food, transportation, and discretionary spending. Discretionary spending is any money you spend on non-essential items or activities, such as entertainment, hobbies, or dining out. Doing this lets you see where you might be spending too much and find ways to save money. Step 4: Compare Your Income to Your Expenses To ensure that you're not overspending, it's important to compare your monthly expenses to your monthly income. If you find that your expenses are greater than what you're earning, it's time to take a closer look at your budget. You may need to adjust your spending habits to ensure that you're living within your means. Step 5: Make a Budget Once you've identified all of your expenses, it's important to take the next step and assign appropriate spending limits for each category. By doing so, you'll be able to manage your finances better and ensure you're not overspending in any one area. Take the time to carefully consider your needs and priorities, and make sure that your spending limits are realistic and aligned with your overall financial goals. Many different budgeting methods are available, so choose one that works best for you. Step 6: Track Your Spending Track your spending throughout the month. This will help you to stay on track with your budget. There are many different ways to track your spending, such as using a budgeting app, spreadsheet, or simply writing down your expenses in a notebook . See my feature in U.S. News & World Report 10 Simple and Free Budgeting Tools Step 7: Review Your Budget Regularly Review your budget regularly and make adjustments as needed. Your budget is a living document, so it's important to review it regularly and make adjustments as needed. For example, if you have a surprise expense one month, you may need to adjust your budget for the following month. Here are some additional tips for budgeting: Prioritize your financial goals by identifying what you're saving for. Are you saving for?: Emergencies. An emergency fund can help to cover unexpected expenses, such as a medical emergency, car repair, or job loss. Retirement. Saving for retirement is essential to ensure you have enough money to live comfortably in your later years. Down payment on a house. Buying a home is a major financial investment, and many people save for a down payment to reduce their monthly mortgage payments and interest charges. Education. The cost of education is rising, and many people save to help pay for their children's college tuition or to further their education. Vacations. Vacations can be expensive, so many people save to afford the trip of their dreams. Other financial goals. People may also save for other financial goals, such as starting a business, buying a new car, or investing in their future. Be realistic about your spending. When creating your budget, be honest about how much money you spend on different categories each month. Don't underestimate your expenses or overestimate your income. Automate your savings and debt payments. This is a great way to make sure you're saving and paying down debt consistently. You can set up automatic transfers from your checking account to your savings and debt accounts each month. Don't be afraid to make changes. Your budget is a living document, so it's important to review it regularly and make changes as needed. If you find that you're not sticking to your budget or that your budget isn't working for you, don't be afraid to make changes. Budgeting can seem daunting at first, but it is an essential skill for financial success. By following these tips, you can create a budget that works for you and helps you to reach your financial goals. Need guidance? Let's work together!

When my daughter entered college, I thought I had researched every available financial aid option. But halfway through her journey, I discovered the DEA (Chapter 35) Survivors' and Dependents' Educational Assistance program, a resource that could have saved us thousands earlier. That revelation set me on a mission: no military spouse or child should miss out on life-changing financial aid simply because they didn't know it existed. As spouses and dependents of disabled veterans, we face unique challenges, but we also have access to a network of federal, state, and private scholarships designed specifically to honor that service. The key is knowing where to look and how to combine benefits strategically. In this guide, I'll not only outline the top opportunities for 2025–2026 but also share my own family's journey, how my daughter's education is being fully funded through a combination of CSDDV, DEA, and Folds of Honor. For a quick introduction to Chapter 35 benefits, I also share insights in this video. 1. Federal Education Benefits via VA Survivors' and Dependents' Educational Assistance (DEA / Chapter 35) DEA provides $1,574 per month for full-time students as of 2025. The payments are tax-free educational assistance, offering critical relief to families. What's powerful about this benefit is its flexibility: you can use Chapter 35 now and still preserve the GI Bill for later education. On a personal level, I didn't discover DEA until after my daughter's junior year of college. Once we applied, she began receiving over $1,500 per month to cover her living and study expenses. That money eased our stress and gave her the freedom to focus on her academics without adding financial pressure. I only wish we had known sooner. Learn more about DEA / Chapter 35 Fry Scholarship (Post-9/11 GI Bill Transfer) The Fry Scholarship supports spouses of service members who died in the line of duty. While I haven't personally used this benefit, I've counseled families who have. The Fry Scholarship covers tuition, provides a monthly housing allowance, and includes a stipend for books and supplies. For many, it is not just financial support—it's stability during a time of loss. Fry Scholarship overview 2. State-Level and Private Scholarships Florida's CSDDV Scholarship As a Florida resident, this program has had a direct impact on my family. My daughter has used the Children and Spouses of Deceased or Disabled Veterans (CSDDV) Scholarship since her freshman year. It covers all tuition and mandatory fees, meaning the only costs we're responsible for are housing and meal plans. Knowing her tuition is fully covered has been an incredible relief, and it's proof that state-level scholarships can be just as powerful as federal ones. Florida CSDDV Scholarship details Folds of Honor Scholarships While CSDDV covered tuition and fees, housing and meal plans were still a challenge. That's where Folds of Honor came in. My daughter has received this scholarship, and the funds will be sent directly to her school to cover her room and board expenses. The combination of CSDDV and Folds of Honor means her education is fully funded—without loans. This is a living example of how families can stack scholarships strategically to cover the entire cost of higher education. Folds of Honor program MyCAA – Military Spouse Career Advancement Account I've personally used the MyCAA grant to gain additional education. I've also seen spouses use it to obtain portable career certifications, such as medical billing or IT support. For families who frequently relocate, MyCAA offers a quick and flexible option to start or advance a career. Learn about MyCAA Wells Fargo Veterans Scholarship Program Spouses and children of disabled veterans may qualify for this $5,000 annual award. The next application cycle closes on April 10, 2026. This scholarship is unique because it provides steady support through the full academic year, not just a one-time grant. Wells Fargo Veterans Scholarship Tillman Scholars The Tillman Foundation emphasizes leadership and community impact. Military spouses who become Tillman Scholars not only gain financial aid—they also join a network of leaders committed to service. Tillman Scholars program 3. Deadlines: Key Dates for 2025–2026 Scholarship / Program Award Amount Deadline DEA (Chapter 35) $1,536/mo FT Ongoing Fry Scholarship GI Bill benefits Ongoing Florida CSDDV Tuition + fees FFAA due April 1, 2026 (opens October 1, 2025) Folds of Honor Up to $5,000 Typically March–May; 2026 dates TBA Wells Fargo Veterans Scholarship $5,000/year April 10, 2026 MyCAA Up to $4,000 Rolling Tillman Scholars Varies Opens Feb 2026 DAV Auxiliary Scholarships Varies Opens Oct 2025 4. Strategy: How to Maximize Benefits Stack Scholarships : As my daughter's example shows, using CSDDV for tuition and Folds of Honor for housing/meal plans can create a fully covered college experience. Document Early : Gather VA disability verification, transcripts, and recommendations well before deadlines. Track Dates : Set reminders six weeks before April 1, 2026 (CSDDV) and April 10, 2026 (Wells Fargo). Preserve Options : Use the DEA now and save the GI Bill for graduate studies or certifications later. 5. Final Reflection For many military families, pursuing higher education can feel financially out of reach. But with programs like DEA, CSDDV, Folds of Honor, and Wells Fargo Scholarships, that picture changes dramatically. My daughter's journey is proof—by combining resources, her tuition, fees, and room and board are covered without the need for loans. These programs exist to honor the service and sacrifices of veterans and their families. Don't leave this money on the table. Start now, apply widely, and build the educational future your family deserves.

Congratulations—your child has graduated from high school or will soon! Now, it's time to determine how your child's college education will be funded. As a 100% permanent and total disabled veteran, my child was fortunate enough to qualify for the Children and Spouses of Deceased or Disabled Veterans (CSDDV) Scholarship Program , a state-sponsored initiative in Florida that provides financial assistance to eligible dependents pursuing higher education. My daughter's journey with CSDDV has been a testament to the program's potential to alleviate financial burdens and empower individuals to achieve their academic goals. Everything You Need to Know About the Florida CSDDV Scholarship The Florida CSDDV Scholarship offers financial assistance to spouses and dependent children of eligible Florida veterans for their undergraduate education at eligible institutions. This scholarship is unique as it focuses specifically on the dependents of veterans and does not consider family income or Expected Family Contribution (EFC). All eligible applicants receive equal consideration. The Florida Department of Veterans' Affairs (FDVA) determines the veteran's eligibility, and the Florida Department of Education (FDOE) disburses the funds directly to the educational institution . Who is Eligible for the CSDDV Scholarship? Eligibility for the CSDDV scholarship depends on the status of the veteran and their relationship to the applicant . Qualified Veteran Requirements:  To be eligible, the veteran must meet one  of the following criteria and have been a Florida resident for 12 months immediately preceding the date of the disability award: Be 100% permanent and total disabled as determined by the Veterans' Administration. Have died from a service-connected disability. Have been killed in action. Be classified as Individually Unemployable by the VA. Be a Prisoner of War (POW) or Missing in Action (MIA) . Eligibility Requirements for a Dependent Child:  To be eligible, a dependent child must meet the following criteria: Be between the ages of 16 and 22. Be initially eligible before their 23rd birthday. Be a dependent child (adopted, biological, or stepchild) of a qualified veteran, as certified by the FDVA. Be pursuing an undergraduate degree. Be listed with the VA as a dependent child . Eligibility Requirements for a Spouse:  To be eligible, a spouse must meet the following criteria: Be legally married to a qualified veteran (including civil unions) for a minimum of one year. Benefits cease if the marriage is dissolved or annulled. Be listed with the VA as a dependent of the veteran. Widowed spouses must apply for the scholarship within 5 years of the veteran's date of death. Remarried spouses are not eligible. Dependent Type Specific Requirements Veteran 100% permanent and total disabled (VA), Died from service-connected disability, Killed in action, Individually Unemployable, Prisoner of War or Missing in Action, Florida resident for 12 months preceding disability award Child Age 16-22, Initially eligible before 23rd birthday, Dependent child (adopted, biological, step), Pursuing undergraduate degree, Listed with VA as dependent Spouse Legally married for 1 year (including civil unions), Listed with VA as dependent, Widowed spouses apply within 5 years of veteran's death, Not remarried How to Apply for the CSDDV Scholarship The application period generally begins on October 1st and ends on April 1st of the next year for the upcoming academic year. Applicants are required to fill out the Florida Financial Aid Application (FFAA) online at floridastudentfinancialaid.org , including the veteran's name, SSN or claim number, phone number, email address, and military conflict. How Much Does the CSDDV Pay? The CSDDV scholarship is particularly valuable in Florida, where the average cost of tuition and fees at public four-year universities is around $6,070 per year. * For families struggling to make ends meet, this amount can be a significant barrier to higher education. However, the CSDDV scholarship effectively covers a substantial portion of these expenses, making it a lifeline for many students. Personal Experience with the CSDDV The application process was straightforward and positive. My daughter applied through the Bright Futures website and simultaneously applied for the Bright Futures and CSDDV scholarships. She applied for the scholarship during her senior year, around November/December. We didn't receive a final notice that she was accepted until September after she started college. See my feature in GoBankingRates 8 Money Lessons for New College Graduates Initial CSDDV Payments Since my daughter did not receive the first CSDDV payment before the term started, we had to pay out of pocket and wait to be reimbursed. She enrolled in 14 credit hours for her first semester; the first payment amount was $2,981. This equaled the $211 per credit hour limit for 2023 and covered 95% of her tuition and fees. She also received the Bright Futures Scholarship, which covered housing and other miscellaneous fees. So, for the first semester, we only had to pay for her meal plan. For the spring, she enrolled in 12 credit hours; her payment was $2,768.74 for CSDDV. She'll receive the Bright Futures Scholarship to recover any remaining costs. Does the CSDDV Renew? Yes, as long as your student stays enrolled each semester, the CSDDV will renew, and the amount will be applied to your student's financial aid. For example, for the spring semester, the college automatically applied the CSDDV amount, so we only had to pay out-of-pocket costs that were not covered by any scholarships. Luckily, we didn't have to pay anything out of pocket for the spring semester. See my feature in GoBankingRates Top 10 Things Every College Grad Should Know About Money Does CSDDV Increase Each School Year? I have found that the financial award did increase on an annual basis. This is beneficial because the cost of college courses remained the same, but her housing and meal plan did increase. So, the increase in the CSDDV award covered an additional portion of the cost of college and allowed us to pay less out of pocket. My Dependents CSDDV Stopped! What Now? So, we ran into the unfortunate event of our child's CSDDV stopping during her sophomore year in college. There are a few reasons why your CSDDV might stop, and they are: Your student's GPA dropped below 2.0. Your student's did not earn six credit hours in each term. Your student's met the required six-hour minimum but did not obtain a 2.0 GPA. Your student's school did not receive funding for the new academic year. If your student doesn't meet one of the first three requirements, they can reapply after one full academic year to renew their eligibility. If this happens, your student will be responsible for paying for their tuition until they receive renewal approval. The fourth requirement happened to my student. As a result, we had to pay the remainder of her tuition out of pocket until the school received funding. Luckily, we saved some money for her school expenses and could use that to pay her tuition until the school received the funding. Two weeks after the semester started, the school received funding and refunded our out-of-pocket payment. CSDDV Impact Beyond Financial Assistance Beyond its financial assistance, the CSDDV scholarship also offers a sense of community and support for eligible dependents. The FDVA organizes regular events and workshops for CSDDV recipients, providing opportunities to connect with other students, share experiences, and access additional resources. Furthermore, the CSDDV scholarship serves as a reminder of the sacrifices made by our veterans and their families. It is a tangible expression of gratitude and recognition for their service to our country. Key Takeaways for the CSDDV Scholarship My experience with the CSDDV scholarship has highlighted its immense value in supporting the educational pursuits of eligible dependents in Florida. The scholarship provides essential financial assistance, fosters a sense of community, and honors the legacy of our veterans. I encourage anyone who may qualify for CSDDV to explore this valuable resource and take advantage of the opportunities it presents. Here are some additional tips for applying for the CSDDV Scholarship: Start the application process early. The deadline to apply for the CSDDV Scholarship is typically in the spring. Make sure you have all of the required documentation from the disabled veteran. This includes the DD214, the Permanent and Total Disability award letter, and the veteran's honorable discharge status. Get help from your school's financial aid office. They can help you complete the application process and answer any questions. Need additional educational scholarship guidance? Schedule a time to chat.

Last Updated: March 2025 | Helping military families navigate their financial education journey Military families make tremendous sacrifices for our country. If you're the dependent of a disabled military veteran pursuing higher education, numerous scholarship opportunities can significantly reduce your financial burden. As financial literacy experts, we've compiled this comprehensive guide to help military families navigate these valuable resources and make smart decisions about funding their education. Top Scholarships for Military Dependents in 2025 Heroes Legacy Scholarship (Fisher House Foundation) Award Amount:  Varies Eligibility:  Unmarried dependent children (under 23) of service members who died or became disabled through active military service since September 11, 2001 Financial Impact:  Helps cover tuition costs at accredited universities, reducing student loan debt. Scholarship for Military Children (Fisher House Foundation) Award Amount:  $2,000 annually Eligibility:  Unmarried military dependent children under 23 with valid Uniformed Services ID card. Application Tip:  Scholarships are distributed based on commissary locations worldwide—check your local commissary for specifics. Florida Scholarships for Children and Spouses of Deceased or Disabled Veterans Award Amount:  Full undergraduate tuition coverage Eligibility:  Dependents of veterans who were Florida residents for 12 months before disability determination. Budget Impact:  Can save qualifying students $20,000-$40,000 in total education costs. American Legion Legacy Scholarship Award Amount:  Varies based on need Eligibility:  Children of post-9/11 veterans who died on active duty or have a combined VA disability rating of 50% or greater. Coverage:  Comprehensive financial support, including tuition, fees, books, meal plans, and housing. Paralyzed Veterans of America Scholarship Award Amount:  Up to $2,000 per year Eligibility:  Children (18+) of PVA members paralyzed in the line of duty; must be enrolled full-time in accredited institutions. Financial Planning Note:  Consider combining with other scholarships to maximize aid. Military Order of the Purple Heart Scholarship Award Amount:  Varies Eligibility:  Purple Heart recipients and their spouses, children, and grandchildren enrolled full-time with a minimum 2.75 GPA. Application Requirement:  Must be accepted into a full-time accredited institution. Disabled American Veterans (DAV) Scholarship Award Amount:  Up to $2,500 (full-time), $750 (part-time) Eligibility:  Children of DAV members disabled in the line of duty. Unique Requirement:  Applicants must document their service to disabled veterans/families during the past two years. The Marine Corps Scholarship Foundation Award Amount:  Need-based Eligibility:  Children and grandchildren of U.S. Marine Corps or U.S. Navy personnel. Financial Need Threshold:  Available for families with adjusted gross income less than $112,000 annually. Department of Defense SMART Scholarship Award Amount:  Up to $46,000 per year Eligibility:  High school seniors with a disabled military veteran parent/guardian pursuing STEM education. Career Benefit:  Includes guaranteed civilian position with the Department of Defense upon graduation. 10. Maj. Gen. James Ursano Scholarship Program Award Amount:  Varies Eligibility:  Army children pursuing undergraduate degrees. Duration:  Provides financial assistance for up to four years. Folds of Honor Higher Education Scholarships Award Amount:  $5,000 Eligibility:  Qualifying spouses and children of fallen or disabled U.S. service members. Disbursement Method:  Funds are sent directly to educational institutions for approved expenses. Planning Note:  Annual reapplication is required. Military Officers Association of America Scholarship Award Amount:  Up to $7,000 per school year Eligibility:  Students whose military parent died during active military service. Additional Benefit:  Those receiving Traumatic Servicemembers' Group Life Insurance payments may also apply. AMVETS Scholarships Award Amount:  Up to $4,000 (disbursed over 4 years) Eligibility:  Veterans, active duty, spouses, children, and grandchildren of military service members. JROTC Bonus:  An additional $1,000 scholarship is available for former JROTC students. Post-9/11 GI Bill Transfer Option Award Amount:  Varies based on service length and location Eligibility:  Dependents of veterans who transfer their unused benefits. Important Deadline:  Transfer requests must be completed while the veteran is still an active member of the Armed Forces. Once the DOD approves the transfer of benefits, the new beneficiaries can apply for tuition assistance through the VA. Army Emergency Relief Fund Resources Value:  Compilation of additional scholarship opportunities Financial Strategy:  Check their comprehensive resource list for supplementary funding options. Smart Financial Planning for Military Families When preparing for college expenses, military families should: Start early:  Research scholarship opportunities at least 12-18 months before college enrollment. Track deadlines:  Create a calendar specifically for scholarship application deadlines. Prepare documentation:  Maintain organized records of your veteran parent's service and disability documentation. Combine resources:  Strategically apply for multiple scholarships that can be used together. Consider tax implications:  Understand how scholarship funds may affect your family's tax situation. Next Steps to Secure Your Educational Future Don't wait until the last minute to explore these financial resources. Planning ensures you'll have access to the maximum funding available for your education. The earlier you apply, the better your chances of securing these competitive scholarships. Ready to create a comprehensive financial plan for your education? Schedule a free consultation  to navigate these opportunities and develop a personalized strategy for your academic and financial success. Have you successfully used any of these scholarships? Share your experience in the comments to help other military families! The information provided is accurate as of March 2025 but is subject to change. Always verify current requirements and award amounts directly with scholarship providers.

Movies That Can Teach Children About Money Movies can be effective educational tools for teaching teens about money management. By blending entertainment with valuable financial lessons, these films create relatable experiences for students that they can remember long after watching. We’ll highlight a selection of engaging movies available on popular streaming services that can help initiate important conversations about saving, spending, and the value of hard work. Discover how you can use these cinematic experiences to provide your children or students with a solid foundation in financial literacy. As an Amazon Associate , I earn from qualifying purchases from these movies that I watched growing up and today! Money Movies For Younger Viewers (Ages 5-9): Disney's Robin Hood : The central theme of Robin Hood revolves around wealth redistribution. Prince John's excessive taxation leaves the people of Nottingham struggling. In this thrilling adventure, Robin Hood disrupts this system by stealing from the rich (represented by Prince John) and giving back to the poor townspeople. This movie directly addresses issues of income inequality and the burden of taxes. The Muppet Christmas Carol : Scrooge McDuck's obsession with wealth offers a cautionary tale about the dangers of greed and the importance of generosity. Scrooge's obsession with wealth blinds him to the joy and fulfillment that come from simple things like spending time with loved ones. Scrooge finds through his adventures the importance of finding happiness beyond material possessions. Treasure Planet : Captain Flint: Captain Flint embodies the dangers of greed. His obsession with treasure ultimately leads to his downfall. The events that befall Captain Flint can be a cautionary tale for kids, highlighting the importance of setting realistic goals and avoiding the allure of quick riches. Jim Hawkins: Jim starts out poor and dreams of wealth. Throughout the film, he grapples with the temptation to keep some of the treasure for himself. This struggle presents an opportunity to discuss the difference between needs and wants and the value of honesty over instant gratification. See my feature in Yahoo! Finance: I’m a Personal Finance Coach: Here Are 4 Money Lessons I’m Teaching My Own Children A Little Princess: Sara Crewe starts as a wealthy heiress, showered with expensive clothes and luxuries. Her father's sudden death throws her into poverty, forcing her to adapt to a harsh new reality. Sara's adventure takes place in a boarding school, as she manages her limited resources and learns the importance of budgeting and resourcefulness. The Mitchells vs. the Machines : At its core, The Mitchells vs. the Machines is a story about family bonding. While the Mitchells aren't wealthy, their love and support for each other is ultimately their greatest treasure. Children can learn the importance of building strong relationships that go beyond material wealth. Money Movies For Older Kids (Ages 10-12): The Secret Millionaire Club : Based on a true story, this heartwarming film follows a group of kids who start an investment club and learn valuable lessons about teamwork, research, and the importance of a long-term perspective. Overall, The Secret Millionaire Club uses humor, adventure, and relatable characters to make financial literacy fun and accessible for children. Charlie and the Chocolate Factory : Willy Wonka's fantastical factory isn't just about chocolate! Even when faced with temptation, Charlie Bucket's honesty and respect offer a valuable lesson about integrity being more important than material possessions. Poverty vs. Wealth The Bucket Family: Charlie's family represents poverty. They barely have enough money for basic necessities, and chocolate is a rare treat. In the movie, you can see this from their leaky house and the cabbage soup they eat, which highlights their struggle. Children will realize the struggle many families face to make ends meet. Willy Wonka: He embodies immense wealth. His extravagant factory and fantastical creations showcase the vast difference between their realities. The factory itself becomes a symbol of the vast gulf between Charlie's world and Wonka's. The factory is a mysterious and closed-off place, highlighting the distance between the wealthy and the poor. Charlie can only dream of the wonders inside until he finds the Golden Ticket . A Kid Called Danger : The movie centers around a young boy, Ethan, who dreams of becoming a detective like his father. He uses his initiative and resourcefulness to start a lemonade stand. Ethan uses the money earned from his lemonade stand to buy supplies for his detective work (e.g., a magnifying glass and a walkie-talkie). The film provides an opportunity to discuss basic money management concepts like spending versus saving and allocating resources for future goals. The Karate Kid : While not directly about money, The Karate Kid can teach valuable financial lessons when viewed through that lens. The main character, Daniel, learns valuable life lessons from Mr. Miyagi, his karate teacher, including the importance of delayed gratific ation and working hard to achieve your goals. In the movie, Daniel learns karate not through instant results but through consistent effort and discipline under Mr. Miyagi's guidance. The chores Mr. Miyagi gives Daniel, like sanding and waxing cars, can be seen as teaching valuable skills and delayed gratification. Daniel might not see the immediate benefit, but these chores build a work ethic and a sense of accomplishment, transferable to managing finances responsibly. Money Movies For Tweens and Teens (Ages 12-17): The Blind Side :  This inspiring true story delves into the challenges faced by Michael Oher, a homeless teenager, as he enters the world of college football. The film portrays Michael's journey of learning to manage his newfound wealth responsibly. He receives financial guidance from the Tuohys, his adoptive family, who help him understand the value of money and the importance of making sound financial decisions. The movie is a valuable lesson for teenagers who might soon be handling their own money (e.g., part-time jobs, scholarships, and student loans). The Social Network : This dramatization of Facebook's founding offers a glimpse into the world of startups and venture capitalism. The movie showcases the world of venture capital funding, where startups pitch their ideas to investors in exchange for money and guidance. The film doesn't shy away from showing the negative consequences Zuckerberg faces as Facebook explodes in popularity. This movie can be a conversation starter on entrepreneurship, the risks and rewards of investing, and the ethical considerations involved in building a business. The Perks of Being a Wallflower : Although The Perks of Being a Wallflower doesn't directly address personal finance or budgeting, it subtly explores the pressure teenagers face to keep up with trends. The characters navigate high school social circles where trends and appearances can be important. The movie emphasizes the value of inner worth and self-acceptance over external validation through material possessions. While the main characters appear privileged, the film hints at the underlying financial burdens some families might face. This movie can open discussions about the reality that not everyone has the same financial resources. See my feature in the balance: Conversations To Have Once Your Teen Starts Earning Money Classroom Tips for Teaching Kids About Money Watch and Read Together:  Make it a family movie night! Discuss the characters' financial decisions throughout the film. Ask Questions:  Encourage critical thinking. Ask questions like: What could they have done differently? How would you handle that situation? What did the characters learn about money? How can we apply these lessons in our own lives? What are some of your financial goals? Connect to Real Life:  Relate the lessons to your own family's finances. Discuss your budget, saving goals, and responsible spending habits. Movies and books can be a fantastic way to inspire your kids to learn about financial literacy. With a fun film and some popcorn, you can spark engaging conversations about money matters that will help your children grow into financially responsible adults. Remember, these films should be starting points for deeper financial literacy discussions, not endpoints. Always preview content to ensure it's appropriate for your specific group of students.

Student loan debt affects millions of Americans, and one of the most stressful situations borrowers face is when loans go into collections. I was recently quoted in an article on this very topic, and I want to expand on that discussion here for those navigating default and collections. What Happens When Student Loans Go to Collections When loans enter collections, the process and consequences differ between federal student loans and private student loans. Federal loans:  The government can garnish up to 15% of your wages without a court order. Tax refunds and even Social Security benefits can also be withheld to cover the debt. Private loans:  Private lenders must sue in court to collect. If they win a judgment, they can garnish wages or place liens on assets. Both scenarios create long-lasting credit damage, making it harder to qualify for future loans, mortgages, or even some jobs. From Missed Payments to Default The path to collections happens faster than many borrowers expect. Federal loans  are considered delinquent after 90 days and typically default after about nine months of nonpayment. Private loans  often become delinquent after the first missed payment (30 days) and can enter default within three to six months. During this stage, lenders send warning notices—your opportunity to act before the debt escalates. How to Get Out of Collections Borrowers do have solutions, but they vary depending on loan type. Federal student loans:  Loan rehabilitation allows you to make nine on-time, reasonable monthly payments in 10 months, which removes the default from your credit and ends garnishments. Consolidation into a Direct Consolidation Loan with an income-driven repayment plan is another option. Private student loans:  Options are limited to negotiating repayment plans or settlements. Always request a debt validation letter and get settlement terms in writing before agreeing. Finding the Right Strategy The best solution depends on your financial situation. If you have federal loans, rehabilitation is typically the best path to restore your credit. If you’re managing private loans, focus on protecting yourself legally and financially by validating debts and negotiating carefully. Final Thoughts Having student loans in collections is daunting, but it’s not the end of the road. Understanding your options empowers you to stop wage garnishments, repair your credit, and move forward financially. I shared some of these insights in the original article where I was quoted, read it here. Take the Next Step: If you’re struggling with student loans or worried about default, you don’t have to face it alone. Schedule a Financial Clarity Call  with me today to review your options, create a repayment strategy, and take back control of your financial future.

Photo via Unsplash In 2023, disabled military veterans and retirees saw an 8.7% increase in COLA, marking the most significant raise in the past four decades. By comparison, the increases in 2020 were under 1.7%, in 2021 under 1.4%, and in 2022 under 6%. Many veterans rely on their disability and retirement benefits to meet essential expenses like food, healthcare, and housing. Given the rising inflation that makes these items more expensive, the raise was a much-needed boost to their monthly finances. How Much is the VA Military Disability Benefit Increase Going to Be for 2025? The amount of the COLA increase in your military disability benefit for 2025 will vary based on your disability rating and the size of your family. According to the latest CPI index , inflation rose 2.5% over the last twelve months. When evaluating COLA rates the VA (and other federal agencies) uses the CPI index to determine future disability and retirement increases. If you are a 60% disabled veteran with one child, you will see your $1,444.88 payment increase to $1,481. That's an increase of $36.12 monthly. Not to mention that this increase is tax-free at the 60% rating. Since inflation has decreased since 2023, this minimal adjustment may not cover much. It's more important now than ever for veterans to manage their family's grocery budget for the month. I mention this because the most recent CPI index shows that food and energy inflation has increased 3.2% in the past twelve months. Therefore, the 2.5% raise may not meet a crucial living need. Do you have additional children or a spouse? Here's an example: $1,444.88 (veteran with 1 child) + 61.92 (additional child under age 18) + 199.18 (additional child over 18 in a qualifying school program Total $1,705.98 You can use the same calculation to determine how much your monthly retirement pay could increase. If you are a retired military veteran and receive VA Disability pay, you could see even more income in your monthly budget to help you afford your monthly expenses. Are you interested in a free, no-cost evaluation of your current disability rating? I used REE Medical to help guide me through the process to get me from 50% to 100% P&T! Check out my story here and start with your evaluation. What Should You Do with Your COLA Increase? There are a few things you can do with this unprecedented COLA increase. However, the first thing you should do is ensure that your basic needs are met. For example, ensure you have enough groceries at home and that your other physiological safety and security needs are taken care of. Then you can focus on other areas of your life that can put you in a better financial situation due to the COLA increase. Here are a few things you can do with your COLA increase: Adjust your budget for the new year to reflect the pay increase. Save some or all of it for your future goals. Pay down your outstanding debt. Start an emergency fund. Treat yourself, but not too excessively. Whatever you do, and whatever the percentage of the COLA increase is, ensure that you manage it well. Related Control Your Finances By Setting SMART Goals And Talking About Them With Annette Harris VA Disability Compensation Resources Current VA Disability Compensation Rates 2021 VA Disability Compensation Rates Historical Cola Increases

Photo by Nathan McBride via Unsplash You need money to meet the essentials of your life, such as food, shelter, and clothing. Money also helps you to enjoy life if you spend it wisely and have enough of it to achieve your goals. If you spend every waking moment trying to determine how you can have more money, then it may take control of your life and become a source of constant stress. So, how do you stop letting money control your life? From removing shopping apps from your devices to getting comfortable with your numbers, here are a few helpful tips. How to Stop Letting Money Control Your Life Remove Shopping Apps from Your Phone Pay Yourself First Avoid Comparing Your Situation to Others Reduce Lines of Credit Try Service-based Travel to Have Unique Experiences Minimize Consumption Prioritize Your Values Try Out a Hobby Spend Smart Make Finance as Boring as Possible Make a List of Free Things that Bring You Joy Get Comfortable With Your Numbers Remove Shopping Apps from Your Phone Try removing apps from your phone that offer online shopping. Nowadays, it's incredibly easy to spend money by just pressing a button on your phone. However, when you delete these shopping apps, you will notice that they are gone every time you try to open them, and you will be reminded of why you deleted them. Miles Beckett,  Co-founder and CEO, Flossy Pay Yourself First by Saving One often-overlooked tip I have found beneficial in my financial planning is paying yourself first. Paying yourself first means taking a portion of each paycheck and saving it away before spending it. It's not only responsible, but it can keep money from controlling your life. When you commit to putting back a portion of each check, no matter how small, the money adds up over time, leaving you less reliant on your salary or income to cover necessary expenses and emergencies. Setting aside money for savings will help stop the cycle of frequent borrowing and debt that so many find themselves in today. Paying yourself first is an effective way to control your finances and become more secure with your investments without having to avoid every affordable luxury or purchase. Lorien Strydom, E xecutive Country Manager, Financer.com Avoid Comparing Your Situation to Others One way to stop money from running your life is to focus on yourself rather than worrying about others. So often, people compare themselves to others and their success, which makes them insecure and willing to spend a lot of money on material things to compensate for their perceived failures. One great way to avoid comparison is to restrict your time on social media. Then you can live your life, concentrate on yourself, and keep your finances in order. Drew Sherman, D irector of Marketing and Communications, Carvaygo Reduce Lines of Credit Managing your lines of credit can become a daunting task after a while. If you have several credit cards along with car and mortgage payments and all of the other monthly expenses, you will have to devote significant amounts of time navigating through all of it to make sure your payments are made in a timely manner. You need to reduce those monthly payments as much as you can. If you need to start small, pause a couple of streaming services, and pay off a Macy's card, then do that. Pay off those smaller lines of credit quickly so you can manage your remaining debt better. Pay off and eliminate the smaller debt so you will have more money to take on the bigger debt. Sean Doherty , GM, Box Genie Try Service-based Travel to Have Unique Experiences One tip to prevent money from controlling our lives is to prioritize experiences over possessions. Instead of buying that shiny new car or opting for the high-end vacation package, try something like service-based travel. Not only will it make more of an impact on the world, but it can provide unique experiences and help us develop empathy and knowledge regarding those around us who do not have many possessions. Service-based travel encourages travelers to volunteer with local organizations, providing an opportunity to interact with and learn from different cultures while making a meaningful contribution. Kate Duske, Editor in Chief, Escape Room Data Minimize Consumption Minimizing consumption is likely the best tip to stop letting money control your life. By doing so, you take away the significance of money and turn it into the means of achieving a much higher purpose, that is, positively impacting our environment and other human beings. You become more aware of the harmful effects consumption can have, which range from increased pollution to unfair labor wages, and it makes you a better person in turn as you prioritize helping others, forming meaningful relationships, practicing kindness, and caring for our world instead of being distracted by mindless consumption. Remember that when it comes down to it, more consumption does not give us greater joy, and it comes with the price of harming the planet and the creatures that live on it; instead, find value by focusing on what truly matters. Piotrek Sosnowski, C hief People and Culture Officer, HiJunior Prioritize Your Values Understanding your values is important in stopping money from controlling your life. Your values are the beliefs and principles that guide your decisions and actions, shaping how you prioritize different aspects of your life. By being aware of what you value most, you can ensure that your money is being spent in a way that aligns with your priorities and supports the life you want to lead. To understand your values, consider what is most important to you. What do you believe in, and what do you stand for? What brings you joy, fulfillment, and purpose? Maybe it's family, faith, or freedom. Once you have a clear understanding of your values, you can start to decide how to allocate your money to support them. By prioritizing your values, you can make sure that your money is being spent in a way that reflects what truly matters to you, reducing money's power over your life. Diana Royanto,  Content Writer, Milkwhale Try Out a Hobby It might seem strange, but picking up a hobby can be a great way to get out from under the credit card. Some hobbies do come with a starter cost, but overall, these activities are more about enjoyment and less about their cost. You can invest in a hobby knowing that the return is something that brings you happiness, contentment, and stress relief rather than simple material gain. Not only will this help you relax, but it can help you solidify the idea that money isn't the only thing that can bring you happiness. Try finding the small, low-cost things that bring you joy and expand on them. They don't need to be costly or flashy to bring you satisfaction. They really can help you stay grounded. Finding joy in a simple hobby you love can give you an easier time avoiding using money to fill the void. Max Ade, CEO, Pickleheads Spend Smart and Let It Occupy You If you can make your spending last longer and go for long periods of time without having to spend, the better chance you have of forgetting about it and not letting it control your life. For example, a subscription to the T.V. streaming service of your choosing could save you money. Instead of going out and spending money, a T.V. streaming service can keep you entertained at home and won't lead to more spending. This can allow you to save money and get ahead of things. Then, with less money being spent and more money in your bank account and occupying your mind with good entertainment, you can worry less. For others, a good video game could take up this time. It varies from person to person, but it is important to find what interests you and spend your time with it rather than going out there and searching for something to occupy your time (which could lead to more spending). Aaron Winston, S trategy Director, Express Legal Funding Make Finance as Boring as Possible The human mind craves novelty and excitement, and we are bombarded with marketing-led financial products daily. Every day, some new, exciting fintech product, investment vehicle, or innovative challenger bank tries to gain your business. However, these all rely on the same principle, making finance exciting when it should be boring. Research shows that a set-and-forget approach to finance almost always yields better results than meticulous active management, especially with investments. Instead, automate your savings, investments, and expenses, so they require as little attentional resources as possible. Although you cannot alter your innate need for novelty and excitement by making finance boring, you can seek it elsewhere, improving your financial outcomes and quality of life. Ben Schwencke, Business Psychologist, Test Partnership Make a List of Free Things that Bring You Joy Make a list of things that don't cost you anything that brings you joy. You'll be surprised to see how many things you can do daily that make you happy. It can be as simple as standing in the sun and relishing the warm rays on your face, taking a stretch every 30 minutes when working, sending a short message to a friend on your lunch break, reading a good book, or playing with your cat. When you start incorporating so much joy into your life, you begin to feel rich - regardless of how much money you have. Laurel Robbins,  Founder, Monkeys and Mountains Get Comfortable With Your Numbers When we don't know enough about a subject, that's when it usually feels like it's taking over our lives, especially when it's a subject that is integrated with our daily routines like money. Familiarizing yourself with your expenses, income, and savings and creating/following a financial plan will help you control your finances instead of letting finances control you. Inbar Madar , Founder and Business Consultant, M.I.  Business Consulting Plan for Progress, Not Perfection Progress happens when you choose alignment over comparison. Measure your success by peace of mind and growth over time. If you’re unsure where to begin, schedule a Financial Clarity Session . These sessions are designed to help you identify personal goals, create actionable plans, and manage the financial details that drive long-term balance.

Retiring from the military is a milestone that comes with pride, relief, and, if we’re being honest, a little uncertainty. You’ve spent years serving with structure, routine, and discipline. Now you’re stepping into a new chapter where you get to shape what life looks like next. As both a military veteran and the spouse of a retired veteran, I understand firsthand how complex this transition can feel. My role as your financial coach is to help you navigate it with clarity, confidence, and a plan that works for you and your family. Understanding Your Military Retirement Benefits The first step toward financial independence in retirement is knowing what you’ve earned. Military retirement pay gives you a strong foundation, but it’s not the whole picture. Pension : Based on your years of service and rank. For example, after 20 years, you may receive 50% of your base pay, increasing with more years served. TRICARE : Comprehensive healthcare coverage for you and your family. VA Benefits : Disability compensation, education benefits, and VA home loan programs can add financial stability. Thrift Savings Plan (TSP) : Similar to a 401(k), this is one of the most powerful tools to grow your nest egg. Because I’ve walked this road myself, both as a service member and as the partner of one, I know the paperwork, acronyms, and deadlines can feel overwhelming. But once you see the whole picture, you’ll feel empowered to take control of your next phase. Military Retirement Strategies That Work Your benefits are the base, but your strategy is what builds financial security. Here’s where to focus: Create a realistic budget  – Map out income sources (pension, part-time work, investments) and compare them with your fixed and variable expenses. Build an emergency fund  – Aim for 3–6 months of living expenses in an accessible account. It’s your safety net for the unexpected. Maximize your TSP  – Small increases in your contribution now can mean thousands more in retirement thanks to compound growth. Diversify investments  – Beyond TSP, explore IRAs, brokerage accounts, or even real estate, depending on your goals and risk tolerance. Plan for healthcare costs  – TRICARE is strong, but supplemental coverage or HSAs may fill important gaps. Decide on housing  – Whether you buy, rent, or use VA home loan benefits, housing is one of the biggest retirement budget factors. Adjusting to Life After Service Military retirement isn’t just financial—it’s emotional. You’re stepping away from the identity and structure that defined your career. I remember how it felt when my family made that transition; suddenly, the steady rhythm of deployments, moves, and orders was gone, and we had to create a new kind of normal. Embrace new roles : A second career, volunteer work, or education can add meaning. Communicate with your family : Align on goals and expectations so no one feels left behind. Seek support : Counselors, veteran organizations, and financial coaches can guide you through this transition. Your Next Steps Toward Financial Independence Military retirement success doesn’t happen overnight—it’s a journey. Start today with these actions: Review your retirement statements and benefits. Write down your vision for retirement—travel, hobbies, family priorities. Build or adjust your budget to align with that vision. Start or strengthen your emergency fund. Increase TSP contributions or diversify investments. Make a healthcare plan that covers future costs. Ready to Build Your Retirement Plan? You’ve served with dedication—now it’s time to serve yourself and your family’s future. As a veteran and military spouse, I bring both personal experience and professional expertise to this journey. Don’t leave your retirement to chance. Schedule a clarity call with me today so we can map out your personalized military retirement strategy. Together, we’ll make sure your next chapter is not just secure, but truly fulfilling.