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Military & Reserves Life Stage

Members of our nation’s Armed Forces are trained to defend our country in a moment’s notice.  But like non-Service members, they have to take care of the homefront too.  Understanding budgeting, saving and investing is a first step toward financial freedom.  Start now so that you’re financially ready too!

Articles
Budgeting Basics
ArticleEstablishing a budget
ArticleGetting started: establishing a financial safety net
Credit and Debt
ArticleChoosing a credit card
ArticleCredit traps for the unwary
ArticleDebt consolidation
ArticleUnderstanding your credit report
Disability Insurance
ArticleThe fundamentals of disability insurance
Long-term Care Insurance
ArticleUnderstanding long-term care insurance
Retirement Planning
ArticleBorrowing or withdrawing money from your 401(k) plan
ArticleChoosing a beneficiary for your IRA or 401(k)
ArticleDeciding what to do with your 401(k) plan when you change jobs
ArticleRetirement planning--the basics
ArticleTaking advantage of employer-sponsored retirement plans
ArticleWhat to do after you've been automatically enrolled in your company's retirement plan
Social Security
ArticleSocial Security disability benefits
ArticleSocial Security retirement benefits
ArticleSocial Security survivor's benefits
ArticleUnderstanding Social Security
Taxes
ArticleMilitary Relief Act Offers Significant Tax Breaks
Working with a Financial Advisor
ArticleWorking with a financial advisor
Tools
Budgeting Basics
ToolAlternative Payment Frequencies
ToolBasic Financial Calculator
ToolCheckbook Balancer
ToolConsumer price index inflation calculator
ToolDon't delay your savings!
ToolEmergency Savings Calculator
ToolGrowth of annual deposits calculator
ToolLunch Savings Calculator
ToolNet worth calculator
ToolPersonal cash flow worksheet
ToolSavings Calculator
ToolSavings Distribution Calculator
ToolSavings Goals
ToolSavings, Taxes and Inflation
Credit and Debt
ToolCredit Card Optimizer
ToolCredit Card Pay Off
ToolCredit cards--advantages vs. disadvantages
ToolCredit Line
ToolDeciding which credit card to get
ToolRolldown your Credit Card debt!
Disability
ToolWhat are your chances of becoming disabled?
Social Security
ToolDisability income needs worksheet
ToolHow earnings affect Social Security
ToolHow important is Social Security?
ToolSocial Security Benefits
ToolSocial Security disability insurance (SSDI): awards and applications illustrator
ToolSocial Security figures at-a-glance
FAQs
Credit and Debt
FAQHow can I correct errors on my credit report?
FAQHow can I figure out my net worth?
FAQHow can I get credit if I have no credit history?
FAQHow can I lower the interest rate on my credit card?
FAQHow can I pay off my credit card debt?
FAQHow can I protect myself against identity theft?
FAQHow can I reduce my spending?
FAQHow can I repair my poor credit?
FAQHow do I get a copy of my credit report?
FAQHow long should I keep copies of my tax returns?
FAQHow much money should I keep in a savings account for emergencies?
FAQI can't pay my bills. Should I declare bankruptcy?
FAQI get a lot of credit card offers. How can I tell which one is best?
FAQI've finally paid off my credit cards. Should I close the accounts or leave them open with zero balances?
FAQShould I invest my extra cash or use it to pay off debt?
FAQWill debt consolidation hurt or help my credit rating?
Military Benefits
FAQCan I be buried in a national cemetery even though I got out of the Army years ago?
Social Security
FAQAre my Social Security benefits subject to income tax?
FAQHow can I get an estimate of my Social Security benefits?
FAQHow do I get disability benefits from Social Security?
FAQShould I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?
FAQWhat happens if I start collecting Social Security after age 65?
FAQWhat is SSI?
FAQWhen I retire, how much will I receive from Social Security?
FAQWill my children receive money from Social Security when I die?