Better every day. That's the goal. Not perfection.

What skill have you ever learned that you were perfect at right from the start? Then why are you so hard on yourself when your financial journey isn't perfectly smooth and easy? Each positive decision you make, each money conversation you have with your spouse is like a good set at the gym. Not every rep is perfect, so you keep working on it.

This week, we're talking mindset shifts to help you think of one way you can PRACTICE this week with:

• Spending intentionally
• Communication
• Overcoming exessive frugality & moving on from seasons of aggressive saving

Money management is a skill that improves with practice. You'll get better with each rep. Don't expect perfect from you every day (or from your spouse!). What decision today could be one rep?

For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.

Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com.

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

"Reading changed my life!"

Today's key topics include: VA House Hacking as a young officer, military influencer and off duty employment in the Air Force, personal finance for military women, and self improvement for new officers and cadets.

As a young officer, Lanae is debt free except her mortgage, owns a home using her VA loan, has a very high savings rate, and helps spread awareness about how women can improve their knowledge and personal finance situation.

Links:

• Lanae's Instagram @lanaeslife1
• Spencer's article about the VA Loan
• Our VA loan podcast episode w/ Rich Carey
• Our VA Loan- Everything you Need to Know podcast episode

See Important Disclaimer for Department of the Air Force Influencers

Lanae is a Force Support Officer stationed in Colorado. She earned her commission through the ROTC program at Ohio University and received her Bachelor’s of Science degree in Communication Studies 2022. She became a home owner and debt free at 23 years old and loves to read, travel, be outdoors, and is passionate about personal finance education for women.

For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.

Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com.

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.

30%-40% international funds in your portfolio!?

What is home-country bias and why you may want exposure to markets other than just the US stock market.

Links:

• https://www.baskinfp.com/
• Military Tax Experts Alliance
• Vanguard article on international investments
  • "U.S. stocks are unlikely to repeat their past outperformance over the coming decade" - Vanguard
• Spencer's personal assett allocation

For a limited time, Spencer is offering one-on-one Military Money Mentor sessions! Get your personal military money and investing questions answered in a confidential coaching call.

Our new TSP course is live! Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE!

If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual or email podcast@militarymoneymanual.com.

If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com.

I also offer a 100% free course on military travel hacking and getting annual fee waived credit cards, like The Platinum Card® from American Express, the American Express® Gold Card, and the Chase Sapphire Reserve® Card in my Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

Learn how to get your annual fees waived on premium credit cards from American Express in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3.

The Platinum Card® from American Express and the American Express® Gold Card waive the annual fee for active duty military servicemembers, including Guard and Reserve on active orders over 30 days. The annual fees on all personal Amex cards are also waived for military spouses married to active duty troops.