- Financial Readiness Program (FRP). FRP provides comprehensive educational and counseling programs in personal financial readiness. The program covers indebtedness, consumer advocacy and protection, money management, credit, financial planning, insurance, and consumer issues. Other services offered include mandatory financial literacy, financial planning for transitioning Soldiers, financial counseling for deployed Soldiers and their Families, and the Department of Defense Family Subsistence Supplemental Allowance Program.
- Army Emergency Relief (AER). AER is the US Army's own nonprofit organization dedicated to alleviating financial distress in the force. AER provides grants and zero-interest loans to active-duty and retired Soldiers and their Families. AER has supported over 4 million Soldiers since 1942. AER offices are conveniently located at installations around the world. Visit ArmyEmergencyRelief.org to learn more.
- Online Support and Education. Go to Financial Frontline for self-service financial literacy education and help.
- Blended Retirement System. The Blended Retirement System (BRS) combines elements of the legacy retirement system with benefits similar to those offered in many civilian 401(k) plans. Get smart on retirement benefits with the Army Retirement Services Office and Joint Knowledge Online Training.
- Financial Readiness Affiliates
- Thrift Savings Plan (TSP). The TSP is a federal government-sponsored retirement savings and investment plan available to both federal civilian employees and members of the uniformed services. The TSP offers the same type of savings and tax benefits that many private corporations offer their employees under 401(k) plans. The retirement income a TSP account provides will depend on working-year contributions and the earnings on those contributions. Learn more at the official Thrift Savings Plan website.
- Consumer Financial Protection Bureau (CFPB). The CFPB makes markets for consumer financial products and services work for Americans — whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products. The CFPB gives consumers the information they need to understand the terms of their agreements with financial companies. Learn more about the CFPB, visit the CFPB on-demand forum and tools website, or order free CFPB publications.
- Better Business Bureau (BBB) Military Line. The BBB Military Line provides free resources to our military communities in the areas of financial literacy and consumer protection through the efforts of 112 BBBs across the US. Visit the BBB Military Line to learn more.
- June 3 - Navigating Financial Uncertainty
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Move from feeling powerless to empowered. Build a strong financial foundation to face financial uncertainty with confidence. Learn how taking control of your finances can help you anticipate and prepare for setbacks. Develop practical strategies to navigate uncertainty, build a safety net, and transform fear into opportunity. Create a future where financial challenges are easily overcome.
Dial-In Number: +1(571)616-7941, 137676007#
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July 1 - Catching F.I.R.E.: Ignite Behaviors to Retire at YOUR Desired Age!
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Financial Independence, Retire Early (F.I.R.E.) has evolved, offering flexible approaches to retirement planning, whether your focus is financial independence, early retirement, or both. Explore the four F.I.R.E. paths and learn how starting now can outpace inflation, retirement's biggest enemy. It's never too early or too late to plan for your future.
Dial-In Number: +1(571)616-7941, 137676007#
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August 5 - Stop Buying Stuff, Start Buying Well-being: The Happy Money Class
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Become your own happiness scientist! Experiment with spending habits that cultivate well-being: buying experiences, buying time, making purchases a treat, and paying now/consuming later (the Happy Money principles). These strategies don't require more income, just a smarter allocation of your existing resources. Make your money happy again—without the depreciation!
Dial-In Number: +1(571)616-7941, 137676007#
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September 2 - Your Money, Your Defense: Outsmarting Financial Threats
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You may not consider your finances a likely vulnerability when sitting through annual threat awareness trainings. Yet, personal finance issues are the leading cause of security clearance denials and revocations. Losing your clearance threatens your livelihood, career, and retirement. Insider threats include financial mismanagement and significant emotional events (death, divorce, illness). Outsider threats include predatory lenders, identity thieves, and scammers. Specific threats for security-clearance holders include debt and tax settlement companies. This class equips you with safeguards to counter these lurking financial threats. Dial-In Number: +1(571)616-7941, 137676007#
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October 1 - Money Talks: Building Financial Intimacy with Honesty and Transparency
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Many couples avoid talking about their finances until they’re arguing about them. Even so, conflict is not meant to be avoided but embraced, as it can expose what’s missing in our financial goals. There’s a great deal of vulnerability required when discussing finances, since it requires us to bare all. But that’s a good thing! Just like emotional intimacy, financial intimacy deepens connection and trust, which are essential ingredients for a healthy marriage.
Dial-In Number: +1(571)616-7941, 137676007#
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November 4 - Digital Assets: Your Role in a Changing Environment
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Estate planning is a profound gift for your loved ones. Pre-planning and organizing your assets reduces stress and turmoil for your survivors. Modern estate planning goes beyond traditional wills and beneficiaries; it addresses our increasingly complex digital lives. Who will manage your digital assets—computer files, virtual currency, email, social media—after you're gone? Emily Baggett, Attorney-Advisor, will provide the tools and guidance you need to get started. Dial-In Number: +1(571)616-7941, 137676007#
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December 2 - Winterizing Your Finances: Preparing for a Secure New Year
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The holidays fade, but credit card bills linger. Just as fresh snow creates a serene winter wonderland, concealing imperfections, this class helps you smooth over financial rough spots. Learn how to address financial flaws and build a more stable financial landscape for a peaceful new year.
Dial-In Number: +1(571)616-7941, 137676007#
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- Basic Financial Education Program
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Virtual classes are offered throughout the year, covering spend-planning, debt management, credit repair, car-buying, home-buying, and several other topics related to finances. P$yFi (Psychological Finance) is a unique Redstone Arsenal series that elaborates on the psychological aspects of money, examining how we think, feel, and behave with money (see information above).
If joining online, no need to register; click on Teams.
The P$yFi Podcast includes biweekly episodes focused on financially-relevant hot topics.
An annual Financial Symposium is also provided in-person at The Overlook in March, providing a full day of financial classes (look out for registration details). Certificates of completion are provided for all classes, allowing you to submit for Continuous Learning Points. All virtual classes are open to anyone. In-person classes (and Symposium) are restricted to those with access to the installation
- Unit/Organization Financial Readiness Training
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Financial wellbeing promotes readiness. Consider booking a group financial wellbeing assessment and interpretation. Have something else in mind? Financial Readiness personnel can customize a financial class or briefing to suit your unit or organization’s current needs, whether you’re looking for a light-hearted financial personality class or more preventive class on proper financial management. Call +1(256)876-6299 to schedule.
- Individual Financial Counseling
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Want to improve your relationship with money? Consider scheduling an individual, couples, or family session with your Financial Readiness Program Manager (FRPM), who is an Accredited Financial Counselor® and Licensed Professional Counselor. Taking the first step to do something different with your money can be daunting, but your FRPM is equipped to draw out and guide you toward your best hopes by creating a financial action plan. These individual sessions are available to Servicemembers, DoD Civilians, Military Retirees, and their Family Members. Call +1(256)876-6299 to schedule your appointment.
Don’t know where to start? Choose from our most popular services:
- Basic Savings and Investment Education
- Credit Report Review and Credit Repair Education
- Debt Management and PowerPay Repayment
- Financial Personality Assessment and Interpretation
- Financial Transition to Young Adulthood
- Financial Wellbeing Assessment and Interpretation
- Marital Financial Counseling
- Money Management (Cash flow analysis, net worth review, and spend plan creation.)
- Premarital Financial Counseling
- Preparing for a Major Purchase (Car, Home, Student Loan)
- Security Clearance Support and Education
- Setting Financial Boundaries
- Mandatory Financial Literacy Training
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Per DoDI 1322.31, all branches of service require financial literacy training that follows the servicemember throughout their financial developmental lifespan, referred to as milestones or touchpoints. The Army has outlined 13 milestones for Soldiers. Leadership can review required training through Vantage. Leadership tools are also available at Financial Frontline - FinancialFrontline.org. Trainings are offered online at Soldiers - FinancialFrontline.org OR in-person with your Financial Readiness Program Manager, +1(256)876-6299. The Soldier is responsible for providing the certificate of completion to their Training Manager for DTMS input.
Want to take charge of your finances? The Army's Financial Readiness Program (FRP) and Consumer Advocacy Services can help with comprehensive educational and counseling programs. Learn about debt, consumer advocacy and protection, money management, credit, financial planning, insurance, and consumer issues. Through classroom training and individual counseling, participants can learn how to save and invest money, establish savings goals, eliminate debt, and save for emergencies.
We offer:
Here are some other financial resources for Soldiers and their Families:
(Government Links)
(Non-Government Links, No Endorsement Implied)
Monthly Virtual Financial Class Series
P$yfi Classes- Psychological Finance: Behavioral Tips for Financial Success
When: June - December 2025
All classes start at 11 am CT
Where: Microsoft Teams
FREE to attend
Want more? Check out the P$yFi podcast, where new episodes are posted regularly at The P$yFi Podcast.
Join the P$yFi Teams Channel for 2022, 2023, and 2024 P$yFi class recordings/resources
