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

How to Spend the Money Left in Your DoD Health FSA by Dec. 31

You have plenty of ways to spend DoD Health Care Flexible Spending Account money on eligible expenses. Here are some...

A commissary worker puts pasta on a shelf.

5 Spending Strategies to Fight Bill Creep From Inflation

How do you maintain a spending plan when your bills are creeping up each month?

An arm places a can of oatmeal on a shelf.

Start Preparing for the Next Government Shutdown Now, Before It’s Too Late

Having a plan can make a pay or benefits disruption an inconvenience instead of an emergency.

Tricare Demo in Two Cities Lets Users See a Specialist Without a Referral

Through the demonstration, beneficiaries will receive care through the CareSource provider network instead of the Humana...

Manage Household Utility Costs at Your New Base by Avoiding These Pitfalls

Being stationed at a location with a hot summer or a cold winter may make it harder to pay large energy bills. Budget billing...

Children that attend the Defense Supply Center Richmond Child Development Center place pinwheels in the ground after a Pinwheel Parade at Defense Supply Center Richmond, Virginia

How to Plan for an Extended Government Shutdown

Well, it’s finally happened. After years of reporting on what to expect if the government shuts down and military pay is...

There are steps you can take to survive a government shutdown and potential military pay delay.

What to Do in a Government Shutdown: Don't Panic! Be Proactive

Panic seems like the natural response to the prospect of missing a paycheck due to a government shutdown. But a better idea...

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...

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...

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...

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Most Popular Military News

A U.S. Air Force F-15E Strike Eagle assigned to the 494th Expeditionary Fighter Squadron lands at a base in the Middle East, Jan. 18, 2026. The F-15's presence enhances combat readiness and promotes regional security and stability. (Courtesy Photo)

The US Military Will Risk Everything for Its Own. Here’s Why

The rescue of downed U.S. airmen in Iran shows why “leave no one behind” still defines the military, and why it matters for...

Bruce Willis in military gear in Tears of the Sun, actor who grew up in a military family. (Photo courtesy of Sony Pictures Releasing)

These Actors Grew Up as Military Children. It Shaped Everything

These 10 actors were raised in military families. Their upbringing didn’t just shape their lives—it still influences how they...

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...

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

Artemis II Astronauts Release Images of Moon Flyby and Eclipse

Artemis II astronauts release images of moon flyby and eclipse.

US and Iran Agree to 2-week Ceasefire as Trump Pulls Back on Threats

US and Iran agree to 2-week ceasefire as Trump pulls back on threats.

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.

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)

Wife of US Soldier Released from Federal Immigration Detention

The wife of a U.S. soldier was released Tuesday from a federal immigration detention facility where she had spent nearly a...

Tripler Army Medical Center (TAMC) has proudly achieved a 5-star rating on the Hospital Consumer Assessment of Healthcare Providers and Systems (HCAHPS) survey, recognizing it as one of the top hospitals in Hawaii for patient satisfaction. This esteemed accolade places TAMC alongside Kauai Veterans Memorial Hospital, highlighting the exceptional care provided by these two institutions in the Aloha State. (Crizalmer Caraang Jr)

Eighth Jane Doe Files $8M Complaint Against Army in McGraw Sexual Abuse Case

An eighth purported victim of former Army Dr. Blaine McGraw has filed a complaint due to claimed sexual abuse.

Navy News

These Actors Grew Up as Military Children. It Shaped Everything

These 10 actors were raised in military families. Their upbringing didn’t just shape their lives—it still influences how they...

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...

Air Force News

These Actors Grew Up as Military Children. It Shaped Everything

These 10 actors were raised in military families. Their upbringing didn’t just shape their lives—it still influences how they...

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.

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 Master Sgt. Justin A. Henry, avionics chief, Marine Fighter Attack Squadron 533, Marine Aircraft Group 31, 2nd Marine Aircraft Wing, returns from a Unit Deployment Program at Marine Corps Air Station Beaufort, South Carolina, Oct. 29, 2025. VMFA-533 returned from a UDP, which provided forward presence and bolstered unit readiness. (U.S. Marine Corps photo by Lance Corporal Julius Hackney)

Marine Corps Hikes Family Separation Allowance: What Deployed Marines Get Now

Many Marine Corps families are getting a direct pay bump thanks to a recent MARADMIN. Deployed Marines, those on shipboard...

These Actors Grew Up as Military Children. It Shaped Everything

These 10 actors were raised in military families. Their upbringing didn’t just shape their lives—it still influences how they...

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.

'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...

Kate Horrell

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