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

Montage of a pile of cash, a stethoscope and a calculator.

Tricare Premiums vs. Enrollment Fees: Here's Why the Difference Matters

Being aware of your Tricare catastrophic cap can help you plan your medical budget and make smart decisions about carrying...

A stethoscope lies on top of fanned-out US $100 bills.

Understanding Your Tricare Catastrophic Cap

Being aware of your Tricare catastrophic cap can help you plan your medical budget and make smart decisions about carrying...

Two recent graduates of Hohenfels Middle High School at U.S. Army Garrison Bavaria, Germany, pose for a photo during the school's graduation ceremony June 6, 2025, at the school's football field. (Bryan Gatchell/U.S. Army photo)

How to Change Tricare Coverage After a Qualifying Life Event – and Which QLEs Count

Many service members experience one or more qualifying life events, or QLEs, each year, unlocking opportunities to change...

Advisers stand behind a table and talk to U.S. Air Force members.

When to Be Wary of Free Financial Advice, Plus Alternatives Available to Military Households

Financial companies offering free financial advice usually make their income by selling financial products such as insurance...

Why Service Members Need to Be Wary of Financial Advice on TikTok

While the app is full of energetic creators who present fun content, the financial guidance circulating on the platform is...

Numbers and symbols appear on Ben Franklin's currency face.

How Stock Turbulence Has Affected Thrift Savings Accounts, and How You Can Strategize

The value of Thrift Savings Plan funds has been volatile over the past year, reaching new highs and producing some big dips...

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...

Preschoolers around a low table play with big Legos.

Think You'd Like to Work as a Family Child-Care Provider for the Military?

If you're good with kids, becoming a family child-care provider can be a great way to support your fellow military families...

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.

A lot of printed bills, presumably representing debts, along with credit cards appear on a table top with a man's torso in the frame, arms shuffling papers.

Here’s a Tool to Easily Calculate Your Debt Repayment Strategy

PowerPay lets you enter your debt information and how much money you have to put toward debt repayment each month, then helps...

What a Government Shutdown Looks Like for the Military and Veterans

A federal government shutdown can have a direct impact on U.S. service members and military families.

State Tax Filing Options for Military Households: What You Need to Know

The Servicemembers Civil Relief Act grants special protections to military service members and their spouses so that they don...

Pictured from inside the back of a moving truck, a mover rolls a stack of boxes inside on a dolly.

How to Prepare for Your 2025 PCS Move Amid New Contractor Changes

How can you be prepared for the uncertainty of this summer's military moving season?

State of Legal Residence vs. Home of Record

When talking with military families about taxes, residences and driver's licenses, one thing keeps coming up: the misuse of...

In a large room photographed from the back, people are pictured sitting in chairs looking up at a rising graph projected on a screen.

Investing for Junior Troops: A Guide to Making Your Money Multiply

If you have a lot to learn about investing, be aware that some of the information out there is not so good. Where should you...

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Most Popular Military News

Handcuffs rest on a table inside the security forces building during a training exercise

Tennessee Man Shot Dead After Flipping Middle Finger at War Memorial

Albert Sturgill Jr., 63, was confronted by a group while gesturing at the flag and monuments at Cumberland County Veterans...

U.S. soldiers with the West Virginia National Guard conduct a routine patrol at the Stadium-Armory Metro Station in Washington, D.C.

Chicago Braces for Potential National Guard Deployment Amid Trump Threats

Illinois politicians are sounding an alarm and bracing for possible National Guard deployments to Chicago amid President...

After Sept. 11, 2001, this is what the NEADS operation floor looked like. Above the Q-93 (the large green radar scope) is the NORAD contingency suite that was installed immediately after 9/11 to provide radar data of the entire country. Photo courtesy of Master Sgt. Stacia Rountree, Eastern Air Defense Sector

9/11 Air Defense Stories You Might Not Know

As hijacked planes turned into weapons on September 11, 2001, inside a quiet Air National Guard facility in upstate New York...

California National Guard stand guard as protesters gather during the No Kings protests in Los Angeles.

Is Trump's Troop Buildup in US Cities a Declaration of War — or Something Else?

As President Donald Trump goads Democratic-led cities, Americans are grappling with a fundamental question of American...

Rep. Ronny Jackson during the 2024 Republican National Convention

Navy Demotion Reversed for GOP Congressman Who Government Watchdog Found Abused Subordinates

Jackson was quietly demoted to captain in 2022, three years after his retirement from the Navy, following an inspector...

Soldier Dies on Fort Leonard Wood Rifle Range

The Army identified the 18-year-old on Monday but has not provided details into the circumstances of his death.

Latest Military Videos

V Ups

Military.com fitness writer Stew Smith demonstrates the proper form for a V up. (Sept. 17) Military.com

Pulldown

Military.com fitness writer Stew Smith demonstrates the proper form for a pulldown. (Sept. 17) Military.com

Wood Chopper Squats

Military.com fitness writer Stew Smith demonstrates the proper form for a wood chopper squat. (Sept. 17) Military.com

Walking Lunge

Military.com fitness writer Stew Smith demonstrates the proper form for a walking lunge. (Sept. 17) Military.com

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

U.S. Army Officer Speaking Before a Panel

When "Unsubstantiated" Starts to Mean "False": The Army's New Complaint Policy

In July 2025 the U.S. Army announced changes to its investigative procedures that sounds simple on the surface. According to...

The MK-22 precision sniper rifle sights view a target on the range at Joint Base McGuire-Dix-Lakehurst, New Jersey.

8 Legendary US Military Snipers

The most notable snipers in U.S. military history aren’t just legends – they include real soldiers, sailors and Marines who...

Navy News

8 Legendary US Military Snipers

The most notable snipers in U.S. military history aren’t just legends – they include real soldiers, sailors and Marines who...

U.S. Navy SEAL candidates from Basic Underwater Demolition/SEAL (BUD/S) class 286 participate in a training exercise at Naval Base Coronado in Coronado, Calif.

Navy SEAL Timeline: From Acceptance to Training

Since its inception in 2014, SEAL Officer Assessment and Selection (SOAS) has served as an important step in screening...

Air Force News

Senate Democrat Tries to Formally Condemn Funeral Honors for Ashli Babbitt

Sen. Ruben Gallego, D-Ariz., went to the Senate floor to request what’s known as “unanimous consent” to pass a resolution...

Pilots of military training planes prepare for future competition

Air Race Championship Takes Flight in New Mexico's Roswell

The National Championship Air Races are kicking off in New Mexico for the first time in the competition's 60-year history.

Space Force News

Col. Edward Segura, director of manpower, personnel and services, Air Force Reserve Command, speaks

Space Force Opens Applications for Air Force Reservists to Sign Up for Part-Time Service

Applications have opened for certain Air Force reservists to join the Space Force under its new one-of-a-kind, part-time...

Huntsville Mayor Tommy Battle discusses the decision to relocate U.S. Space Command headquarters to Redstone Arsenal

US Space Command Can Be Running in Huntsville Before Trump Leaves Office, Official Says

U.S. Space Command headquarters can be fully operational before President Donald Trump leaves office, a Redstone Arsenal...

Marine Corps News

8 Legendary US Military Snipers

The most notable snipers in U.S. military history aren’t just legends – they include real soldiers, sailors and Marines who...

Marines want to close the airspace over this public, recreational off-road land for 60 days out of the year on September 11, 2025 in Johnson Valley, California.(Gina Ferazzi / Los Angeles Times)

Pentagon Plan Pits US Marines Against California Off-Roaders and Civilian Pilots

The U.S. Marine Corps tried once to occupy this remote stretch of California desert beloved by off-roaders — but officials...

Coast Guard News

A fueling crew from Coast Guard Cutter Midgett (WMSL 757) fuels an MH-65 Dolphin helicopter from Air Station Barbers Point on the flight deck of the Midgett off Oahu.

Coast Guard Awards $69M Contract for New Hangars

The U.S. Coast Guard has awarded a nearly $69 million contract to design and build new hangars and “associated facilities” at...

Adm. Samuel J. Paparo, commander of U.S. Indo-Pacific Command, delivers keynote remarks at the 36th annual international Military Law and Operations strategic engagement to leaders from more than 30 nations during a 4-day discussion in Honolulu.

Military Conference in Hawaii Tackles International Law

At U.S. Indo-Pacific Command’s annual International Military Law and Operations Conference, the military’s top officer in the...

Kate Horrell

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