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

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...

Three $100 bills arrayed with a blurry beach scene in the background

3 Low-Key Strategies to Get a Grip on Your Money

In addition to using a spending plan, here are a few low-stress ways to be more intentional about your spending.

The words "save now" appear on a car ignition button

Start the Habit of 'Specific Savings' by Putting Aside Money for Car Maintenance

A specific savings account for car maintenance is a big step toward financial security.

A dollar sign appears in the foam of a latte

Build Financial Guardrails to Keep Problematic Spending in Check

Financial guardrails are a lot like the envelope method of budgeting -- dividing up literal cash into various envelopes...

The word IRA appears under a magnifying, atop a fanned-out stack of cash.

3 Ways Military Service Members Can Take Advantage of an IRA

Individual retirement accounts involve special considerations if you are a military member. Here are three things to know. As...

An arrangement of office supplies on a bill stamped "past due"

The Military Says You Owe Money? Here's What to Do.

What do you do when the Defense Finance and Accounting Service decides that you owe it money -- but you aren't even in the...

An IRS Form W-4P, miscellaneous office supplies and a computer keyboard are arranged on a surface

Because of IRS Change, SBP Beneficiaries Need to Check Their Tax Withholding

A major IRS update became effective for 2023, and as a result, annuitants are reporting that their Survivor Benefit Plan...

a photo of hands making progressively taller stacks of coins with some graphics overlaid

Use the Military's Pay Structure to Grow Your TSP Retirement Savings

The military's compensation structure has several built-in ways to make it easy to increase your Thrift Savings Plan...

Fingers type on a wall-mounted security number pad

How to Cancel a Home Security Contract When You PCS: New Law

A new law makes it easier for military members and their dependents to cancel home security contracts when they move or...

for Tricare Select beneficiaries, it is often cheaper to go to an out-of-network provider.

Take Control of Tricare Select Costs by Knowing the Provider Types

The more you understand about the types of Tricare providers, the better you can control your costs.

a graduation cap perches on a stack of cash

Stretch Your VA College Benefits by Getting to Know This Person

Your college's school certifying official can answer your benefits questions and make sure you're not missing anything...

100-dollar bills are folded into the shape of a house

Tax Tips for First-Time Landlords

Taxes on rental properties aren't simple, but these tips will help you understand what factors into them and may help you...

SPCA Grants Help With PCS Pet Costs

The military will not pay to move your pets during a PCS, and the cost can be hundreds or even thousands of dollars.

Military Members and Spouses Could Avoid State Income Taxes Thanks to New Law

Changes are here, and they could mean thousands of dollars more, or less, in taxes for military families.

A stock image of a paper on a clipboard reading "IRA" and "Individual Retirement Account" on a table with other papers.

You Still Have Time to Make IRA Contributions for Last Year

Keep in mind that you can still make 2022 contributions to an individual retirement account (IRA) until April 18, 2023.

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Most Popular Military News

1st Lt. Mark Bashaw looks on during a change of command ceremony

Trump Pardons Former Army Officer Convicted of Disobeying COVID-19 Safety Rules

President Trump pardoned a former junior Army officer who was found guilty in a 2022 court-martial of violating orders to...

Illustration by Hrisanthi Pickett of The War Horse

He Was a Sailor. I, a Marine. Our Romance Was Forbidden by Regulation.

I was the new “WM”—Woman Marine—on deck, and I felt the weight of all eyes watching me for every right or wrong move I made...

The Van Daryl War Truck is breathing new life into reclaimed Vietnam-era military Jeeps.

American Military Jeeps Are Rising from the Ashes in Vietnam

A company called Van Daryl is rebuilding the Jeeps the American military left behind in Vietnam, and you’ll hardly recognize...

U.S. Army soldier sets up a FGM-148 Javelin missile

Pentagon Weighs Bigger Army as Service Sees Early Recruiting Success

As of Monday, the Army had brought in 59,875 new active-duty enlisted soldiers with a total goal of 61,000 for fiscal 2025...

The flag of the U.S. Space Command is unfurled at the White House

Space Command Headquarters in Colorado 'Not Sustainable' Without New Construction, GAO Finds

The political fight over Space Command's future in either Alabama or Colorado has been a partisan tug-of-war for more than...

Movers load a service member’s household goods into a moving truck at a residence

Services Ordered to Cut PCS Moves by 50% over Next 5 Years

The services are tasked with cuts that amount to an initial 10% of the $5 billion PCS budget in 2027 and that increase...

Latest Military Videos

TFR 217 - Jason McCarthy (Army SF) & GoRuck.com Founder

Jason and Stew discuss the importance of moving more, socialization, and becoming a better person by getting out of...

TFR 218 - Navy SEAL Ben Milligan of Water Beneath the Walls - Rise of the Navy SEALs Book (History)

The new book by Ben Milligan, By Water Beneath the Walls – The Rise of the Navy SEALs is...

Friday Fitness Answer - Tactical Fitness Over 40 Series & Seasonal Tactical Fitness Periodization

Are you tired of training in constant pain and barely able to do what you did in your twenties...

TFR 231 - Ice Baths

The concept of using cold for healing dates to ancient Egyptian and Roman civilizations, who used cold water and...

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

Actress Loretta Swit arrives at the 3rd Annual Television Academy Honors

Loretta Swit, Emmy-Winner Who Played Houlihan on Pioneering TV Series 'M.A.S.H.,' Has Died at 87

Loretta Swit, who won two Emmy Awards playing Major Margaret Houlihan on the pioneering hit TV series “M.A.S

Nightclub where an immigration raid occurred in Colorado Springs, Colo.

Fort Carson Soldier Pleads Not Guilty to Drug Charges After Nightclub Raid

The Fort Carson soldier arrested for alleged cocaine distribution just days after a large-scale federal raid of a Colorado...

Navy News

Secretary of the Navy John Phelan in Guam

Navy Orders Forcewide Housing Inspections After Secretary 'Appalled' by Guam Barracks Conditions

Navy Secretary Phelan visited Guam earlier this month and was "appalled" after seeing the conditions of an Air Force barracks...

He Was a Sailor. I, a Marine. Our Romance Was Forbidden by Regulation.

I was the new “WM”—Woman Marine—on deck, and I felt the weight of all eyes watching me for every right or wrong move I made...

Air Force News

A Whiteman Inn accounting technician takes a phone call from a customer

Air Force Wants Private Company to Take Over its On-Base Hotels

The Department of the Air Force, which includes the Space Force, will start accepting requests for proposals this summer...

SpaceX Falcon 9 rocket launches from Kennedy Space Center

SpaceX Scoops Up Another National Security Launch While ULA Faces Scrutiny

United Launch Alliance’s years-long delays with its new Vulcan rocket have flipped the script for national security missions...

Space Force News

Air Force Wants Private Company to Take Over its On-Base Hotels

The Department of the Air Force, which includes the Space Force, will start accepting requests for proposals this summer...

SpaceX Scoops Up Another National Security Launch While ULA Faces Scrutiny

United Launch Alliance’s years-long delays with its new Vulcan rocket have flipped the script for national security missions...

Marine Corps News

U.S. Marine Corps Maj. Zachary Ybarra performs aerial maneuvers during an airshow demonstration practice at Marine Corps Air Station Beaufort, South Carolina.

2 Elite Marine Corps Pilots Reveal What It's Like to Fly a F-35B Fighter Jet

In his role as a pilot with the Marine Corps air demonstration team, Maj. Craig Norris flew the F-35B Lightning II at...

He Was a Sailor. I, a Marine. Our Romance Was Forbidden by Regulation.

I was the new “WM”—Woman Marine—on deck, and I felt the weight of all eyes watching me for every right or wrong move I made...

Coast Guard News

Coast Guard Cutter Waesche approaches the San Francisco Bay Bridge

Coast Guard Fires Commander of Its Largest Operational Base

Garrison commander Capt. David Melton was responsible for logistics, personnel support, facilities and naval engineering, and...

A Virginia woman pleaded guilty Tuesday to killing a man in the Cuyahoga Valley National Park.

Coast Guard Vet Turned Porn Actress Pleads Guilty to Killing Man in Cuyahoga Valley National Park

A Coast Guard veteran who later became an actress in adult films admitted to killing a man in the Cuyahoga Valley National...

Kate Horrell

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