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Military Money Manual: Military Money Manual | Best Credit Cards, TSP Investing, Financial Independence

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Welcome military spouses and significant others to the Military Money Manual community!

You are not alone

Over 40% of Military Money Manual readers are or have been a spouse of an active duty, Guard, or Reserve service member in the Army, Navy, Air Force, Marines, Space Force, or Coast Guard. Some of these military spouses are veterans or active duty members them...


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Update (2026): LendingClub closed its retail peer-to-peer investing platform — the “Notes” individuals used to buy — at the end of 2020. You can no longer invest in P2P loans through LendingClub; it operates as an online bank now. I'm keeping this page as an honest record of the three years (2011–2014) I invested, because the lessons still ...


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In 2026, you can contribute up to $72,000 to your Thrift Savings Plan if you serve in a combat zone tax exclusion (CZTE) area.

Combined with the new in-plan Roth conversions, deployed military members can execute a ‘Military Mega-Backdoor Roth' to shelter up to $87,000 tax-free.

Military pay received in a CZTE is federal and state income tax-free, an unli...


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