Ryan Guina

United States

Founder and Editor, Cash Money Life and The Military Wallet at Freelance

Military Veteran, Writer, Small Business Owner.

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Articles

Active-Duty Service Members are at a Higher Risk of Identity Theft

2 months ago | themilitarywallet.com | Ryan Guina

According to recent Federal Trade Commission data, active-duty service members are far more likely to experience digital data theft than the general public. One of the primary reasons for this is because, in the past, the Department of Defense (DoD) and its contractors frequently used social security numbers (SSN) to identify and authenticate service members for greater efficiency with less chance for errors.
How Service Members & Veterans Can Prevent Identity Theft Scams

2 months ago | themilitarywallet.com | Ryan Guina

As society moves to a more online way of life, cases of identity theft have risen dramatically in recent years. Service members and veterans have been particularly hard hit because they face some unique challenges when protecting their sensitive information and balancing it against their military lifestyle. For example, in 2021, the Federal Trade Commission reported 50,000 service member and veteran identity theft cases covering a broad spectrum of abuses.
2025 HSA Contribution Limits, Deadlines and IRS Rules

Dec 23, 2024 | themilitarywallet.com | Ryan Guina

HSAs or Health Savings Accounts save on taxes & health care costs. See the 2025 HSA contribution limits and other IRS guidelines.
Military and Veteran Discounts for Cell Phone Service

Nov 26, 2024 | themilitarywallet.com | Ryan Guina

Military and veteran discounts at AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular. Get the military discount on your cell phone plan!
A Guide to the VA Funding Fee in 2024

Nov 12, 2024 | themilitarywallet.com | Ryan Guina

VA Home Loans, which are backed by the Department of Veterans Affairs, are among the best options for veterans looking to purchase or refinance a home. They offer several advantages over conventional mortgages, including lower interest rates and 0% down payments. But most buyers have to pay a funding fee in order to use this benefit. Those who pay it typically just add it to their loan balance.
Overview of the Permanent Change of Station (PCS) Process

Oct 12, 2024 | themilitarywallet.com | Ryan Guina

When you enlist in the US military, you do so with the understanding that you will relocate often throughout your military service. In fact, military families move every one to three years on average after receiving and executing orders for a new duty station. And it’s estimated that about 400,000 service members make a move annually, impacting many military personnel and their families.
Navy Federal SCRA Benefits: What You Need to Know

Oct 4, 2024 | themilitarywallet.com | Ryan Guina

The Servicemembers Civil Relief Act (SCRA) offers legal and financial protections to active duty service members, making it easier to focus on the mission without the burden of financial stress. If you’re a Navy Federal Credit Union member, the good news is they go above and beyond the standard SCRA requirements. I’ve been through this process myself, and I want to share what I’ve learned about how Navy Federal can help you with lower interest rates, foreclosure protections, and much more.
Buying a Home as an Active Duty Service Member

Oct 2, 2024 | themilitarywallet.com | Ryan Guina

Frequent moves are a fact of life for active duty military personnel. On average, most service members and their families can expect a PCS move every one to four years. If you plan to stay in the service for any length, that can create ongoing challenges when deciding to rent or buy as part of the PCS process. Because of mobility challenges, it’s estimated that about two-thirds of all active duty military members rent or live on base housing.
A Guide to the TSP Lifecycle Funds

Oct 1, 2024 | themilitarywallet.com | Ryan Guina

When you sign up for the Thrift Savings Plan (TSP) you are given a choice between six fund options, all based on index funds. Index funds allow investors to buy a bundle of stocks that track a single market sector. Lifecycle Funds, also called L Funds, are structured differently. This group of 11 fund options uniquely mixes portions of the other five funds based on a retirement plan end date.
Citi Credit Cards and Military Benefits: What You Need to Know

Oct 1, 2024 | themilitarywallet.com | Ryan Guina

The Military Wallet is a property of Three Creeks Media. Neither The Military Wallet nor Three Creeks Media are associated with or endorsed by the U.S. Departments of Defense or Veterans Affairs. The content on The Military Wallet is produced by Three Creeks Media, its partners, affiliates and contractors, any opinions or statements on The Military Wallet should not be attributed to the Dept. of Veterans Affairs, the Dept. of Defense or any governmental entity.