Kate Horrell

Kate Horrell is an Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner® who helps the military community make the most of their pay and benefits. With more than 15 years working with thousands of military families, she helps currently serving, retired and veteran families.

She has been married to a now-retired sailor for 32 years, corralling four girls and two cats across four OCONUS tours and a handful of homes in the U.S. She’s navigated landlording, Overseas Housing Allowances, the Post-9/11 GI Bill, the Survivor Benefit Plan decision, and transition to civilian life.

Latest Articles

GI Bill Housing Allowance: How to Cover the Up-Front Cost Gap

Post-9/11 GI Bill recipients may be taken by surprise if they’re not prepared to pay for housing up front each semester...

Amid U.S. $100 bills, letter tiles spell "education."

Can You Receive Post-9/11 GI Bill Payments and Other Financial Aid at the Same Time?

Rules that dictate how the Post-9/11 GI Bill works together with other forms of financial aid often prevent those other forms...

Military Households May Deduct Moving Expenses From Their Taxes: Here’s How

Military families may not have any unreimbursed PCS moving expenses, but if you do, you can deduct those expenses on your tax...

Temporary signs in the window of a tax office.

When Do Military Service Members, Spouses Need to File Taxes in 2 States?

Protections Under the Servicemembers Civil Relief Act can simplify your tax requirements and quite possibly save you money...

Understanding All the Deductions on Your 2026 Military Leave and Earnings Statements

Understanding what deductions are coming out of your pay is key to knowing where all your money is going. More importantly...

Should You Let the Military Set Aside Allotments from Your Pay?

Can a military allotment help you manage your money? Probably. Is it the right tool for you? That depends.

U.S. Air Force Senior Airman Judah Rice, a honor guardsman assigned to the 628th Air Base Wing, gives a facing movement command during military honors simulation for an active-duty funeral, Joint Base Charleston, South Carolina.

Monthly Benefits for Survivors of Fallen Active-Duty Service Members

When combined, the Survivor Benefit Plan (SBP) and Dependency and Indemnity Compensation (DIC) can offer a steady stream of...

Airmen from the U.S. Air Force Honor Guard and a bugler from the U.S. Air Force Band’s Ceremonial Brass conduct military funeral honors for U.S. Air Force Capt. Wade Holmes in Section 57, Arlington National Cemetery, Arlington, Virginia.

Lump-Sum Benefits for Survivors of Active-Duty Military Members

Even military families often don’t know what benefits are available to the surviving family of an active-duty service member.

Two airmen carry a heavy dog crate between them.

The Military's New Pet Transportation Policy: What It Means to You

Military service members will be reimbursed for some of the costs of moving one dog or cat when moving on permanent change of...

4 Ways to Get Your Money Back When Military Orders Cancel Travel Plans

If military orders, or world events have canceled your travel plans, here's how you might be able to get a refund

US $100 bills, bent into four sections resembling paper airplanes or birds, fly in a V through the blue sky.

Should You Borrow from Your TSP Account?

Financial experts don’t recommend taking out loans against retirement accounts such as the military’s Thrift Savings Plan...

Six men and women, most in uniform, stand in a row in front of an American flag draped as a backdrop.

4 Things 'Gray Area' Reservists Need to Do When They Turn 60

Finally receiving that hard-earned military retirement pay at age 60 is a big deal, and you definitely want to get that...

MILITARY STAR Card Questions & Answers

The MILITARY STAR Card is an in-store credit card for qualified, authorized military exchange patrons.

A mans arms are pictured taping shut a cardboard moving box.

Personally Procured PCS Moves Are Changing. Here’s What You Need to Know.

If you’re considering a personally procured move (PPM) this year, how can you keep any potential out-of-pocket costs as low...

An orange and black lawn mower pictured from above crossing green grass.

Can I Pack This? The Items You Should and Shouldn't Ship with Your Household Goods This PCS Season

Knowing what can and can’t be shipped, and what probably shouldn't be shipped, can make your move easier.

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Most Popular Military News

U.S. Army Soldiers assigned to Task Force Nighthawk, 4th Combat Aviation Brigade, 4th Infantry Division receive their Shoulder Sleeve Insignia – Military Operations in Hostile Conditions (SSI- MOHC) during a patching ceremony at Erbil Air Base, Iraq on Oct. 23, 2025. U.S. Army photo by Capt. Bernard Jenkins Jr. Source: DVIDS.

Army Expands Combat Patch Eligibility as Modern Deployments Redefine Combat Service

The Army expanded combat patch eligibility, recognizing soldiers in modern deployments where risk is high even without...

Veterans hold signs supporting the PACT Act.

You Took Separation Pay Years Ago. Now the VA Wants It Back From Your Disability Check.

Under federal law, a veteran cannot receive both separation pay and VA disability compensation for the same period of service...

Dieter Dengler is photographed after being rescued following his escape from Vietnam, weighing 93 pounds. (Matthäus Dengler)

25 Years: Nephew Remembers P.O.W. Navy Pilot Dieter Dengler Who Escaped Vietnam

Dieter Dengler, who died about 25 years ago, was "bigger than life."

New recruits take the oath of enlistment at the Advocate Center for the Eleventh Annual Chicago Bulls Special Recruit Division Enlistment Ceremony in Chicago. (U.S. Navy photo by Mass Communication Specialist 2nd Class Camilo Fernan)

Could the US Bring Back the Draft? Who Would Be Called First — and Who Qualifies

Could the U.S. bring back the draft? Here’s how Selective Service works today, who would be called first and why only about...

3 Big PCS Changes Are Coming at Once. Here’s What Service Members Need to Know Before Peak Season.

In 2026, three major changes are affecting military household goods moves: a new permanent agency to run the system, the end...

Latest Military Videos

Trump Offers More Details of Dramatic Rescue of Airman in Iran

Trump offers more details of dramatic rescue of airman in Iran.

Former Australian Soldier Charged with Committing Five War Crime Murders in Afghanistan

Former Australian soldier charged with committing five war crime murders in Afghanistan.

Artemis II Breaks Apollo 13’s Distance Record

Artemis II breaks Apollo 13’s distance record as humans travel farther from Earth than ever before.

Ukrainians Find Joy in Releasing Bats Rescued from War

After a harsh winter, Ukrainians find joy in releasing bats rescued from war.

Investigations and Features

In One of the Marines' Most Iconic Jobs, a Stunning Pattern of Suicide

Marine Corps drill instructors are a national symbol of discipline. But for some, their imposing persona belies a dark...

Army Capt. Jeremy Kuykendall and his wife Kate, cradle their daughter

Unsupervised: Military Child Care Centers Slow to Report Abuse with Little Oversight

A Military.com investigation into military day care centers revealed that service branch rules generally prioritize...

Army News

This photo provided by Jen Rickling shows U.S. Army staff sergeant, Matthew Blank, left, and his wife, Annie Ramos, posing for a photo while celebrating their wedding, in March, 2026, in Houston. (Jen Rickling via AP)

US Soldier Trying to Halt Wife's Deportation After She Was Detained on Louisiana Military Base

A U.S. Army staff sergeant is trying to halt his wife's deportation after she was detained inside a Louisiana military base...

Monkeys eat tomatoes distributed by social workers near a Hindu temple during nationwide lockdown in Gauhati, India, Thursday, April 23, 2020. (AP Photo/Anupam Nath)

'Monkey Business': Pentagon Sued for US Taxpayer-Funded Primate Labs

“It's troubling that agencies like the Department of Defense continue to fund animal labs overseas when we've seen how...

Navy News

'Monkey Business': Pentagon Sued for US Taxpayer-Funded Primate Labs

“It's troubling that agencies like the Department of Defense continue to fund animal labs overseas when we've seen how...

Loved ones make hearts with their hands for their sailor on board while the USS George H.W. Bush (CVN 77) prepares to pull away from Naval Station Norfolk for deployment.

'However Long It Takes': USS Bush Gets Underway as Iran Conflict Rages

The USS George H.W. Bush got underway from Naval Station Norfolk as the conflict in the Middle East continues to rage.

Air Force News

President Donald Trump speaks with reporters in the James Brady Press Briefing Room at the White House, Monday, April 6, 2026, in Washington, as Defense Secretary Pete Hegseth listens. (AP Photo/Mark Schiefelbein)

Trump, Officials Reveal Details of ‘No-Fail’ Rescue of Downed Pilots

A downed U.S. airman evaded capture for nearly two days inside Iran before a rescue mission under fire pulled him out.

'Planned and Rehearsed': How US Rescued F-15E Crew Member in Iran

Trump called the rescues of two F-15 crew members "one of the most daring in U.S. history."

Space Force News

Robbie Robertson, Sedaro CEO and co-founder, presents a live demo to USSF leadership Thursday, Dec. 11, 2025, at Spacepower Conference in Orlando, FL. (Photo courtesy of SFA)

National Spacepower Center: Advancing US and Allied Spacepower

The Space Force Association launched the National Space Center in Dec. 2025 to connect government, academia and industry and...

This year's USO 2026 "Service Members of the Year." (USO)

'Exceptional Courage': USO Announces its 2026 Service Members of the Year

This year's crop of USO honorees saved motorcycle crash victims, rescued bodies underwater, saved civilians from a building...

Marine Corps News

U.S. Marine Corps Sgt. Maj. Carlos A. Ruiz, the 20th Sergeant Major of the Marine Corps, visits Marine Corps Base Camp Pendleton, California, April 3, 2026. During Ruiz’s visit, he attended the 2-26 Basic Reconnaissance Course (BRC) graduation, where Medal of Honor recipient Sgt. Dakota Meyer graduated as one of the BRC 2-26 graduates. (U.S. Marine Corps photo by GySgt Jordan E. Gilbert)

Medal of Honor Recipient Dakota Meyer Completes Marine Recon Training

Sgt. Dakota Meyer, who received the Medal of Honor for heroism in Afghanistan, completed the Marine Corps' Basic...

Marine Corps Lance Cpl. Jared Schmitz. (thefreedom13.org)

Organization Honors Fallen Marines by Building Nature Retreat for Veterans

Following the devasting loss of his son and 12 other Marines, Mark Schmitz vowed to do something to honor their sacrifice. He...

Coast Guard News

Coast Guard Cutter Midgett (WMSL 757) prepares to Moore at their homeport Honolulu, Hawaii Oct. 3, 2025. (U.S. Coast Guard photo by Petty Officer 3rd Class Jennifer Nilson)

Coast Guard Cutter Finds, Retrieves Family Missing for 7 Days in Micronesia

The rescue mission was one not "routine" to the Coast Guard and cutter crew that succeeded.