Ryan Guina

Ryan Guina is a military veteran, writer and small business owner. He currently serves in the Air National Guard.

Ryan served on active duty in the US Air Force for six and a half years and completed five deployments. He worked as a civilian contractor on US Air Force logistics systems for several years after leaving active duty. He joined the Air National Guard after being out of the military for over eight years.

During his transition from active duty, he started two websites, TheMilitaryWallet.com and CashMoneyLife.com. He continues to operate these websites to help people take advantage of their military benefits and to make better financial decisions.

Ryan's writing has been featured in Military.com, Forbes.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine, USAA, and many other publications.

Latest Articles

6 Financial Takeaways from the Coronavirus Outbreak

You may have emergency supplies on hand, but what about emergency money?

Some Veterans May Need to Take This Extra Step to Get Their Stimulus Check

Make sure your economic stimulus check isn't delayed.

Trying to Time the Stock Market Is a Bad Idea. Here Is a Better Way to Invest

Even "experts" have problems trying to time the market.

Elizabeth Ross checks her kennel at the Military Working Dog Center at Joint Base San Antonio-Lackland, Texas, Sept. 25, 2020.

Veterans Who Join the Civil Service Are Eligible for Valuable Service Credits

Each year of military service you buy back as a military service credit counts as a year toward your pension.

Navy veteran Joseph Dyer is a forensic investigator with the Department of Homeland Security. (Photo courtesy of DHS)

5 Benefits of Serving in the Civil Service After Your Military Career

Your military service can give you great benefits as a federal employee.

compass with the needle pointing towards word "insurance"

Is Your Family Protected from a Loss of Income?

What exactly are life insurance and disability insurance?

Year-End Tax Moves: 6 Ways to Save on Taxes Before Dec. 31

Take advantage of tax savings while you can.

Tips for Preparing Your 2020 Taxes

TIme to start getting all your paperwork ready for the annual task. Here's what you'll need.

Stylized words reading Individual Retirement Account

How Military Members Can Max Out Their IRAs Each Year

A bit of planning can make it easy to save the maximum amount allowed by law

Mortgage Rates Are Still Near Record Lows. Is Now a Good Time to Refinance?

There are many things to consider when refinancing your home.

Computer keyboard with "insurance" written on a key

Shopping for Insurance Quotes Could Save You Hundreds of Dollars Annually

It's a good idea to review all of your policies every year.

Cash Flow Problems? The IRS Just Changed Retirement Account Distribution -- Again

Thanks to the change, more people are eligible to take early withdrawals and loans from their retirement accounts -- if they...

4 Ways to Find More Money to Save for Retirement

How can you fund retirement while meeting your daily need for cash?

Command Master Chief Brian McDonough (left) promotes Culinary Specialist 2nd Class Matthew Ndambuki to petty officer first class during a meritorious advancement program (MAP) promotion ceremony at U.S. Naval Forces Central Command (NAVCENT), July 12, 2018. (U.S. Navy photo/Bryan Neal Blair)

Will the COVID-19 Emergency Impact Your Promotion and Career Opportunities?

COVID-19 could have another trick up its sleeve. It may impact your career in ways that are only now coming to light.

Michigan Army National Guard soldiers distribute over 20,000 pounds of food in west Michigan.

Guard and Reserve Members Face Dual Struggles Due to Coronavirus Response

Activated members need better access to benefits, while others can't rack up necessary training requirements.

Military News

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Most Popular Military News

Rep. Michael Lawler, R-N.Y., left, confronts House Minority Leader Hakeem Jeffries, D-N.Y.

Federal Government Shutdown Grinds into a Second Week as Tempers Flare at the Capitol

As the federal government shutdown enters a second week, there’s no discernible endgame in sight.

U.S. Sen. Richard Blumenthal (D-Conn.) questions U.S. Attorney General Pam Bondi as she testifies before the Senate Judiciary Committee in the Hart Senate Office Building on Capitol Hill in Washington, D.C.

Trump Targets Blumenthal, Calling for Investigation into Senator's Vietnam Service Claims

President Donald Trump is targeting U.S. Sen. Richard Blumenthal again after Connecticut’s senior U.S. senator grilled U.S...

Pvt. Paul Douglas, age 50, performs a rifle inspection with his drill instructor aboard Marine Corps Recruit Depot S.C., 1942. Douglas, at age 50 was the oldest recruit in the history of Parris Island, and went on to become a purple heart recipient and Chicago senator (DVIDS).

At 50, He Survived Marine Boot Camp — Then Fought at Peleliu and Okinawa

When 50-year-old Paul Douglas showed up at Marine Corps boot camp in 1942, the white-haired economics professor looked more...

Pack and transport platoon of the Russian army. Southern Military District. Ministry of Defense of Russia (Wikimedia Commons).

Ukrainian Drones Attack Russian Cavalry Troops in Rare 21st-Century Encounter

A short video circulating online this month appears to show a Russian mounted patrol being struck by a Ukrainian drone near...

When The Government Can Afford Everything Except The Essentials

Every shutdown forces the government to decide what counts as “essential.” Air traffic controllers and TSA agents fall into...

Troops Will Miss Paychecks Next Week Without Action on the Government Shutdown

The federal government shutdown is raising anxiety levels among service members and their families, because those in uniform...

Latest Military Videos

'What Kind of Truce Is This?' Dozens of Palestinians Killed in New Israeli Attacks on Gaza

Israel’s military said Wednesday that the ceasefire was back on in Gaza after it carried out heavy airstrikes overnight...

Mothers and Wives of Fallen Ukrainian Soldiers Plant Trees to Remember Their Sacrifice

Wives and mothers of Ukrainian soldiers who died in the fight against Russia planted trees in a public park...

Destruction in Gaza Visible from Southern Israel

From multiple vantage points, debris piles are visible as a result of bombing in Gaza. (AP) Oct. 24

Russia Targets Kyiv with Drones, Killing 3 and Wounding 29

Russia attacked Ukraine with 101 drones over Saturday night into Sunday, according to Ukraine’s air force, of which 90...

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

The US Draws Down Troops on NATO's Eastern Flank as Europe Frets About a Security Vacuum

The United States has informed NATO allies that it will reduce its troop presence along Europe’s eastern border with Ukraine.

Florencio Davila. His family made sure that his final wish was honored with the help of the local community. (Submitted photo)

Fort Hood Steps In After Shutdown Halts WWII Veteran’s Military Funeral

Florencio Davila, a World War II veteran, died recently at age 99. His dying wish was to be buried with full military honors...

Navy News

White House Urged Firing Live Bombs, Not Dummies, for Trump’s Visit to Navy Celebration

The White House pressed Navy officials to launch 2,000-pound live bombs instead of dummy explosives during a recent military...

A GOES-19 NOAA satellite image taken October 28, 2025, shows Hurricane Melissa’s eye and spiral bands covering the Caribbean. (NOAA/NESDIS/STAR)

Navy Confirms Evacuations As Hurricane Melissa Roared Toward The Caribbean

The Navy has evacuated 864 family members, civilian employees, and contractors from Naval Station Guantánamo Bay as Hurricane...

Air Force News

President Donald Trump speaks during a meeting with Australian Prime Minister Anthony Albanese in the Cabinet Room of the White House in Washington.

Former US Airman Threatened to Assassinate Trump Over LGBTQ+ Policies, Feds Say

Joshua Levi Young, 21, of Ishpeming, is accused of issuing several threats since January that called for the execution of...

Shield AI's newly unveiled X-BAT autonomous fighter jets. The VTOL drones are designed to fly combat missions alongside crewed aircraft as part of the Air Force's Collaborative Combat Aircraft program. (Shield AI)

Shield AI Unveils Fully Autonomous VTOL Fighter Jet

A San Diego defense technology company unveiled an artificial intelligence-piloted fighter jet Tuesday that can take off...

Space Force News

U.S. Air Force U.S. Air Force Tech. Sgt. Rachel Harmon and Master Sgt. Tom Anderson, weapons loaders assigned to the 174th Attack Wing, checks an inert GBU 12 laser guided missile on an MQ-9 Reaper at Springfield-Beckley Air National Guard Base in Springfield, Ohio.

Two Space Force Units Bring the 'Invisible Front Line' to Ohio

A ceremonial ribbon-cutting is planned for Friday for the Space Intelligence Production Cell at the Springfield-Beckley Air...

A painting of a Defense Support Program satellite from the Air Force Art collection. DSP provides a variety of national security capabilities. Its flagship mission of launch detection was made famous during the Cold War. (U.S. Air Force image)

Clearing The Orbits: Space Force Partnerships In Orbital Cleanup

The growing congestion of Earth orbit has raised risks to satellites, space stations, and long-term space sustainability. The...

Marine Corps News

Rethinking Marine Corps Camo (photo by Military.com)

Is it Time for the Marines to Ditch the Digi's?

Author Robert Billard argues that the Marine Corps should replace its MARPAT digital camouflage with a single-color coyote...

Racers compete in the 50th Marine Corps Marathon on October 26, 2025 (Eric Kayne, Stars & Stripes).

50th Marine Corps Marathon: New Record Set, Marine Major Claims Third Win

The 50th running of the Marine Corps Marathon wrapped up with a record performance by the women's winner, as well as a third...

Coast Guard News

Signage showing the USDA Supplemental Nutrition Assistance Program (SNAP) is accepted is displayed at Wild Onion Market, Monday, Oct. 27, 2025, in Chicago. (AP Photo/Erin Hooley)

'SNAP Is Everything': Military Families, Vets Prepare for Empty Fridges

A disabled Navy veteran tells Military.com that his family will go hungry as SNAP benefits are slated to expire Nov. 1 due to...

Coast Guardsmen stand watch behind a barrier at Coast Guard Base Alameda.

Shots Fired, Driver Hurt and Held After Truck Rams Into Coast Guard Base Alameda

No Coast Guard personnel were hurt.