Militarily Speaking

Welcome to Season 2 Episode 18 of the “Militarily Speaking” podcast with Tom McLean and Jodi VickeryIn this episode of Militarily Speaking, we talk with Major Cole Hanna, co-founder of H.K. Young Bourbon Company, about building an award-winning Kentucky bourbon brand while continuing to serve on active duty. Cole shares how military leadership shaped his approach to entrepreneurship, why H.K. Young committed to toasted barrel finished bourbon, and what military members should know before starting a business of their own.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.How an Active-Duty Army Major Built an Award-Winning Bourbon BrandMilitary service and entrepreneurship may look like very different careers, but Major Cole Hanna has found plenty of overlap between the two.Cole remains on active duty while also helping lead H.K. Young Bourbon Company, a Kentucky bourbon brand he co-founded with Tyler Young and Spencer Kalijan. The company has built its identity around toasted barrel finished bourbon and has already earned recognition from major spirits competitions.For Cole, the journey from military officer to entrepreneur has required many of the same skills he uses in uniform: strategic thinking, communication, risk management, discipline and knowing how to build the right team.From Bourbon Hobby to H.K. Young Bourbon CompanyCole’s interest in bourbon began after he was stationed at Fort Campbell. Living near Kentucky introduced him to the bourbon industry, but it was the community surrounding it that really captured his interest.That eventually led him to start the Clarksville Bourbon Society, which grew from a group of bourbon enthusiasts into a nonprofit organization with thousands of members. Over time, Cole began thinking about turning his interest in bourbon into a business.Finding a Niche in a Crowded Bourbon IndustryCole and his partners knew they were entering an increasingly crowded bourbon market.Instead of trying to launch another brand that looked like everything already on store shelves, they wanted H.K. Young to have a clear identity. They found it in toasted barrel finishing.H.K. Young works with bourbon sourced from respected Kentucky producers including Bardstown Bourbon Company and Green River before using proprietary blending and finishing methods to develop its products.The company describes itself as the toasted barrel finish bourbon company. That focus has helped create a recognizable position for the brand while giving the founders room to continue developing different products within the same overall identity.The company is trying to build something that can remain relevant five, 10 or 15 years from now.Building a Brand Takes More Than a Great ProductH.K. Young has expanded into multiple states and can also ship to many customers through online sales, but every new market brings new regulations, distribution relationships and sales challenges.Cole says entrepreneurs sometimes assume that getting picked up by a distributor means the hard part is over. A product still must move through the distributor, onto retail shelves and ultimately into a customer’s hands. That requires consistent work in the market.H.K. Young uses social media, online influencers, retail displays, awards and other marketing efforts, but Cole says nothing completely replaces having people physically in stores, talking with retailers and allowing customers to experience the product.For entrepreneurs, the broader lesson is simple: launching the business is not the finish line. You still have to earn the customer.Military Skills Can Translate Into Business LeadershipCole’s military career has taken him through several different roles, including becoming a Foreign Area Officer and studying Russian through the Defense Language Institute. He currently serves with U.S. Army Europe and Africa, working in a role that requires strategic communication and interaction with senior military leaders and international partners.Many of those experiences have influenced the way he approaches H.K. Young. Risk management is one example. Military leaders constantly have to assess risk, reduce what they can and make decisions despite uncertainty. Entrepreneurs face many of the same challenges. Cole also points to communication, discipline, strategic thinking and work ethic as skills that translate well into business.Military experience can also teach another valuable lesson: you do not have to personally know everything. Sometimes success comes from knowing who to call.Build Your Entrepreneurial Network and Find a MentorFor service members thinking about starting a business, Cole’s strongest advice is to build a network. His own business benefited from several years of relationships within the bourbon industry before H.K. Young ever launched.That network gave him access to people who understood different parts of the business. Military members may already have a larger network than they realize after years of assignments, units and professional relationships.Experienced entrepreneurs can often identify problems before they become expensive mistakes.Do Your Market Research Before You CommitCole encourages aspiring entrepreneurs to study the market before launching. That market research helped H.K. Young recognize an opportunity around toasted barrel finishing.Rather than trying to compete with every bourbon brand in every category, the company built a more focused identity. For military members transitioning into entrepreneurship, that same discipline can help determine whether an idea is simply interesting or whether it has a realistic place in the market.The Right Team Can Balance Your WeaknessesH.K. Young is led by three founders with different strengths. Cole describes himself as having a relatively high tolerance for risk. Spencer, who handles much of the company’s financial side, has a lower risk tolerance. Tyler has taken on much of the work surrounding the company’s plans to establish a physical location in downtown Hopkinsville, Kentucky.Their different skills allow each founder to focus on the areas where they can contribute the most. Building a strong team does not mean surrounding yourself with people who think exactly like you. Sometimes the best team is made up of people whose strengths compensate for each other’s weaknesses.Staying Connected to Hopkinsville and the CommunityH.K. Young’s connection to Hopkinsville is built into its identity. The company’s logo features three tobacco leaves representing its three founders while also referencing Hopkinsville’s history as part of Kentucky’s Black Patch tobacco region. The team is also working toward opening a physical H.K. Young location in downtown Hopkinsville. That local connection reflects the same community-minded approach Cole developed through the Clarksville Bourbon Society.Giving back has remained important throughout his military entrepreneurial journey. Cole sees supporting the community less as a business strategy and more as something people should simply do when they have the ability to help.Newest Release for H.K. Young: Extinct SpiritsHe and his team are developing a company called Extinct Spirits, which combines spirits releases with original artwork featuring extinct animals. The concept is designed around storytelling while also giving back, with a portion of sales intended to support wildlife restoration and conservation efforts.Cole says the team is targeting a September launch. The project gives him another way to combine entrepreneurship with the philanthropic mindset that has been part of his bourbon journey from the beginning.Balancing Active Duty and EntrepreneurshipRunning a growing business would be demanding enough on its own. Cole does it while remaining on active duty overseas. The time difference can occasionally work in his favor. By the time colleagues and business partners in the United States start their workday, he has already completed much of his military day.Then the H.K. Young work begins. Cole says evenings can be spent on calls, emails and business decisions until it is finally time to sleep. Beyond that, there is not much about military entrepreneurship that resembles a predictable 9-to-5 schedule.A Special Offer for Militarily Speaking ListenersDuring the episode, Cole offered Militarily Speaking listeners 25% off through H.K. Young Bourb...

Welcome to Season 2 Episode 17 of the “Militarily Speaking” podcast with Tom McLean and Jodi VickeryIn this episode of Militarily Speaking, we talk with Sydney Mathis, CEO of Service to School, about helping active-duty service members and veterans turn their military experience and education benefits into meaningful college opportunities. They discuss Service to School’s free college admissions support, VetLink partner schools, veteran-to-veteran mentorship and how military students can find the right path from service to higher education.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.The Free College Resource Every Veteran Should Know AboutTransitioning from military service can create an unfamiliar question: What comes next?For many veterans and active-duty service members, higher education is part of the answer. The GI Bill and other military education benefits can make college financially possible, but choosing the right school, navigating an admissions process designed largely for traditional students and translating years of military experience into an application can still be difficult.That is where Service to School comes in.Led by CEO Sydney Mathis, Service to School is a national nonprofit that helps active-duty service members and veterans pursue undergraduate and graduate education. Its support can begin long before a service member leaves active duty and continue through the application process and into college.The goal is not simply helping veterans get into a school. It is helping them understand what educational opportunities are available, identify schools that fit their goals and use the benefits they earned through military service in a way that can create long-term opportunity.What Is Service to School?Service to School has spent approximately 15 years helping veterans and service members pursue higher education.The organization originally began with MBA students helping military officers apply to business school. As its founders became more familiar with the military education landscape, they saw an even larger opportunity to assist enlisted service members pursuing undergraduate degrees.Today, Service to School supports both undergraduate and graduate students.Service members can connect with the organization while still on active duty, as they prepare for a military transition or after becoming a veteran. That support can include guidance on selecting schools, navigating college admissions, developing application materials and connecting with mentors who have already made a similar journey.Most importantly for prospective students, Service to School provides its services at no cost.For Mathis, the mission is simple: veterans should have access to the educational opportunities they earned through their service.VetLink Helps Veterans See New College PossibilitiesOne of Service to School’s most prominent undergraduate programs is VetLink.The program connects enlisted service members and veterans with colleges and universities that have demonstrated both strong academic outcomes and a commitment to supporting student veterans.Partner institutions include widely recognized universities such as Stanford, MIT, Harvard and Princeton, along with schools including Amherst, Williams, Wesleyan and Villanova.For some veterans, these may be schools they never imagined attending.Military service, however, can give applicants qualities colleges value. Leadership, maturity, teamwork, problem solving, discipline and significant life experience can distinguish student veterans from traditional applicants.VetLink helps veterans recognize those strengths and understand that highly competitive colleges may be realistic possibilities.The program also focuses on outcomes. Undergraduate VetLink partners must have at least a 70% six-year graduation rate. Mathis notes that only about 23% of GI Bill beneficiaries attend institutions with graduation rates above that threshold.For Service to School, helping veterans access higher education means thinking beyond admission. The organization wants military students attending schools where they have strong opportunities to graduate, build professional networks and prepare for their next career.Veteran-Friendly Colleges Need More Than a LabelGetting veterans onto a campus is only part of creating a successful student veteran experience.Service to School looks for VetLink partners that demonstrate a meaningful commitment to military students. Partner schools participate in the Yellow Ribbon Program and are expected to provide resources that help veterans succeed after enrollment.Those resources may look different from campus to campus.Some universities provide dedicated veteran centers. Others offer year-round housing, an important benefit for veterans and military families who may not have another home to return to when traditional campus housing closes during school breaks.Other institutions offer veteran-specific research opportunities, financial aid or programs such as fully funded study abroad experiences.The common factor is a willingness to go beyond simply saying veterans are welcome.By working directly with colleges, Service to School can also help institutions recognize policies that unintentionally create barriers for military students.College Admissions Were Not Designed Around Military LifeA traditional college applicant may move directly from high school into higher education. Their school counselor is readily available, their academic history is recent and the application process is designed around their experiences.A veteran may be applying under completely different circumstances.They may have graduated from high school years earlier. Their former counselor may no longer work there. They may have attended multiple colleges, accumulated military education credits, completed specialized training, deployed overseas and changed jobs or duty stations several times.Yet the same college application is often used for both students.That can leave veterans trying to fit years of military service into forms that were never designed around their experiences.Service to School works not only with veterans, but with higher education professionals to address those challenges. The organization helps admissions offices better understand military backgrounds, enlisted and officer experiences, military education credits and the wide variety of occupations that exist within the Armed Forces.That knowledge can help colleges remove unnecessary barriers while giving admissions teams a more complete understanding of what veteran applicants bring to campus.Veteran Mentorship Creates an Educational Battle BuddyProfessional college advising is one part of Service to School’s approach. Veteran-to-veteran mentorship is another.Service to School has more than 800 volunteer ambassadors, many of whom previously received support from the organization and now want to help the next generation of student veterans.These mentors can provide something that even an experienced admissions counselor cannot: firsthand perspective.A veteran who has already transitioned from military service into college understands many of the questions a new applicant may be asking. Am I really qualified for this school? Will I fit in with traditional college students? How do I explain my military experience? What if I have been out of the classroom for years?Mentors have confronted many of those same uncertainties.Mathis describes Service to School’s model as a three-pronged approach involving the student, a veteran mentor and a professional college advisor. The mentor can provide encouragement and firsthand experience, while the advisor contributes technical knowledge of admissions and the application process.Jodi compares the role to an educational battle buddy – someone who has been there before and can help a veteran navigate unfamiliar territory.Turn Military Experience Into an Admissions StrengthMilitary experience can be one of a veteran’s greatest strengths as an applicant, but only if an admissions officer understands it.Military acronyms, occupational specialties and job descriptions may make perfect sense within a unit while meaning very little to someone in a college admissions office.To help bridge that gap, Service to School developed the VetLink Addendum for undergraduate applicants.Mathis describes the tool as essentially a “demilitarized resume.”Veterans can use it to explain jobs, deployments, <a href="https://www.afbank.com/learn/media/podcast/militarily-speaking-pcs-survival-guide-episode-1-pcs-

Welcome to Season 2 Episode 16 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we talk with Monica Fullerton, Founder &amp; CEO of Spouse-ly, about building her online marketplace connecting shoppers with military spouse, service member, veteran, and first responder-owned businesses. They dive into how she aims to support military spouse-owned businesses and create income-generating opportunities that can move with military families. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. This Military Spouse Marketplace Will Change How You Shop Small Military spouses are often required to adapt quickly. A new duty station can mean finding a new home, rebuilding a local support system and restarting a career – all while supporting a service member and managing the needs of a family. For military spouse entrepreneurs, those moves can also disrupt customer relationships, professional networks and opportunities for growth. A business that depends heavily on one location may become difficult to maintain after the next Permanent Change of Station, or PCS, move. Monica Fullerton founded Spouse-ly to give military-connected entrepreneurs a more portable path forward. Her message for aspiring entrepreneurs is straightforward: There may never be a perfect time to begin. Progress starts when you take the first step. What Is Spouse-ly? Spouse-ly is an online marketplace featuring products and services from verified military-connected and first responder entrepreneurs. Fullerton describes the platform as a combination of an online handmade marketplace and a service-provider directory, but with a mission-driven focus. The platform includes businesses owned by military spouses, veterans, active-duty service members, Gold Star family members, or first responders. Customers can use the platform to shop small while knowing their purchases directly support military and first responder families. That mission is especially important within the military community, where frequent moves can make traditional business development difficult. Spouse-ly gives entrepreneurs a digital storefront that is not tied to one installation, city or state. When a military family receives new PCS orders, the business can continue serving customers online instead of rebuilding from the beginning at every duty station. Military Spouse Entrepreneurship Can Create Career Portability Military spouse employment challenges are not always caused by a lack of skill, education or ambition. In many cases, the difficulty comes from trying to maintain a career through repeated relocations. A military spouse may build professional momentum at one duty station, only to face another move a few years later. State licensing rules, limited local job markets, childcare needs and gaps in employment can all make traditional career paths harder to sustain. Entrepreneurship can provide another option. A portable business may allow a military spouse to continue working after a PCS move, allowing them to continue to build income without depending on the local job market. It also allows them to maintain customer relationships across duty stations, and create a schedule that works around deployments and family responsibilities. With this business model, military spouses can turn professional skills or creative interests into a source of income, while building a long-term professional identity despite frequent relocation. That does not mean entrepreneurship is easy. Starting a business requires planning, time and persistence. It may also require families to think differently about budgeting, savings and financial risk. Still, for many spouses, the opportunity to build a small business that can move with them is powerful. Spouse-ly Was Built from a Military Spouse’s Experience Monica’s motivation for launching Spouse-ly came partly from her own career journey. She had earned undergraduate and graduate degrees and envisioned a communications-focused career. After becoming a military spouse, however, she realized that the traditional career path she had imagined did not always fit the realities of military life. Rather than abandoning the interests and skills she had developed, she looked for a new way to use them. That experience became part of the foundation for Spouse-ly. The business allowed her to combine communications, marketing, e-commerce, partnership development and community building with a mission of helping other military-connected entrepreneurs succeed. Her story reflects an important lesson for military spouses: a career may change shape without losing its purpose. Skills developed in one field can often be transferred into another opportunity. A background in education, design, marketing, healthcare, consulting or administration may become the foundation for a portable business – even when the final result looks different from the original plan. Start with a Strong Business Foundation During the episode, Monica emphasizes that entrepreneurs should not rush past the early planning phase. A strong idea matters, but an idea alone is not a complete business strategy. Before investing heavily in products, branding or advertising, aspiring business owners should understand the market they intend to serve. Monica encourages new entrepreneurs to conduct market research, understand their purpose and build structure around the idea. The strategy may change as the business develops, but taking the time to establish a strong foundation can make future growth easier. This approach also supports military financial readiness. A new business can affect the household budget, particularly during the startup stage. Military families should understand what they can reasonably invest without undermining emergency savings or other financial priorities. Build a Small Business Around Authenticity She chose to share the process of building Spouse-ly rather than presenting only the polished final product. By inviting people into the story, she created a network of supporters who understood both the mission and the people behind it. That community became one of Spouse-ly’s greatest assets. Small businesses may not have the advertising budgets of large corporations, but they can still compete through personal connection, trust and a clear sense of purpose. Customers are often drawn to businesses because they believe in the founder, understand the mission or feel connected to the story behind the product. For military spouse entrepreneurs, their experiences can become part of that story. Adaptability, resilience, community involvement and the ability to rebuild after a PCS move are not weaknesses. They can help shape a brand customers find relatable and meaningful. Community Can Be a Business Advantage Spouse-ly is more than a website where vendors list products. Monica describes it as a community of entrepreneurs who support and champion one another. That community can help business owners overcome one of the most difficult parts of entrepreneurship: trying to figure everything out alone. Through a strong network, entrepreneurs may find advice from people at a similar stage, referrals and collaborative opportunities. This can help their business with everything from marketing support, to simple encouragement during slow periods. The network also connects people giving them access to mentors and strategic partners, and giving them greater visibility among mission-driven customers. The platform also helps connect military-connected businesses with corporate partners that want to support military spouse entrepreneurship. Those partnerships can fund new initiatives and expand opportunities for vendors while allowing Spouse-ly to keep its community fees relatively limited. For consumers, the model provides a simple way to support the military community. Instead of viewing a purchase as only a transaction, shoppers can choose a product or serv...

Welcome to Season 2 Episode 15 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we talk with Jim Lorraine, President and CEO of America’s Warrior Partnership (AWP), about how AWP partners with communities nationwide to improve veterans’ quality of life so suicide is not an option. Jim shares AWP’s origins, including early success reducing homeless veterans in the Augusta area from 159 to 7, and explains how AWP bridges local and national resources through relationship-based support, advocacy, and careful partner vetting. He discusses Operation Deep Dive with Duke University focused on deaths of despair, the Corporate Veteran Initiative for workplace outreach, and the “Know a Vet, Tell a Vet” QR program. The conversation covers outcomes tracking, hope-scale measurement, financial insecurity as a major driver, and AWP’s annual symposium. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.The #1 Reason Veterans Fall Through the Cracks With America's Warrior PartnershipAfter serving 22 years in the Air Force and helping establish the U.S. Special Operations Command Care Coalition, Jim Lorraine recognized a recurring problem throughout the veteran community.There wasn't a shortage of organizations. There was a shortage of coordination.Communities often knew exactly which veterans needed help but lacked the specialized resources to assist them. National nonprofits had extensive programs but frequently struggled to identify the veterans who needed those services most. America's Warrior Partnership bridges that gap.Rather than duplicating existing programs, AWP partners with thousands of organizations across the country to connect veterans with housing assistance, employment services, healthcare, education, legal support, emergency assistance, and more. Once a veteran reaches out, AWP helps determine the root cause of their challenge and stays alongside them until they're connected with the right solution.It's a model built around one simple philosophy: Together, we can do better.Military Financial Readiness Is About More Than MoneyOne of the most eye-opening moments from the conversation centered around a surprising statistic. According to Jim, nearly 86% of veterans who screened positive for suicide risk were primarily facing financial insecurity, not mental health challenges alone.Financial stress often becomes the catalyst that impacts every other area of life:Missed mortgage or rent paymentsVehicle repairs that prevent someone from getting to workMedical expensesDifficulty navigating VA benefitsLoss of employmentMounting debtThis highlights why military financial readiness isn't simply about budgeting. It's about ensuring military families understand the benefits they've earned, know where to find help, and have trusted organizations available before financial problems become overwhelming.For service members preparing to leave the military, financial education should begin long before transition.Knowing about different services available to veterans can dramatically improve long-term financial stability. Organizations like Armed Forces Bank continue to emphasize military financial education because proactive planning often prevents future financial crises.Helping Veterans Navigate a Complex SystemOne challenge discussed throughout the episode is that many veterans simply don't know what's available to them. Some never enroll in VA healthcare. Others never apply for disability benefits. Some don't realize they qualify for education benefits years after leaving active duty.Jim shared multiple stories of veterans who unknowingly missed out on benefits that could have dramatically improved their lives simply because no one explained the process in a way they understood. That's why trusted veteran support organizations remain so important.Instead of expecting veterans to figure everything out themselves, organizations like America's Warrior Partnership walk alongside them, helping them navigate:Veteran benefitsEmployment opportunitiesHousing assistanceHealthcare enrollmentFinancial resourcesEducation benefitsCommunity servicesThe goal isn't simply solving today's problem. It's building long-term stability.Why Collaboration Produces Better ResultsOne of the biggest themes throughout the episode was collaboration. America's Warrior Partnership intentionally avoids trying to become everything to everyone. Instead, they focus on relationships.If another nonprofit specializes in employment, AWP connects veterans there. If an organization provides housing assistance, that's where the referral goes. If financial counseling is needed, veterans are connected with experts equipped to help.This collaborative approach reduces duplicated services while ensuring veterans receive specialized support from organizations that excel in their particular area. Rather than competing for attention, successful veteran organizations strengthen one another.Operation Deep Dive: Using Data to Save LivesOne of America's Warrior Partnership's most innovative initiatives is Operation Deep Dive. Developed in partnership with Duke University, the project analyzes years of military service records alongside state mortality data to better understand deaths of despair among veterans.Instead of relying solely on traditional suicide statistics, the research examines broader patterns, including:Overdose deathsSubstance abuseGeographic trendsMilitary occupationsService historyDemographic informationThe goal is simple: Identify veterans who may be at higher risk before tragedy occurs.Rather than applying one nationwide strategy, Operation Deep Dive helps communities develop targeted outreach based on local needs. It's another example of how data can improve outcomes while helping organizations better serve veterans and military families.Quality of Life Is the Real GoalThroughout the interview, Jim repeatedly emphasized that America's Warrior Partnership doesn't view itself as a suicide prevention organization. Instead, it focuses on improving quality of life.When veterans have stable housing, meaningful employment, access to healthcare, financial security, transportation, and supportive relationships, the likelihood of crisis decreases significantly.This holistic approach recognizes that every veteran's circumstances are different. There is no one-size-fits-all solution. Helping one veteran may involve emergency financial assistance, helping another might involve VA enrollment, while someone else may simply need transportation to get back to work. Success comes from understanding each individual's story.How Military Families Can Prepare Before Problems AriseWhether you're still serving or already transitioning into civilian life, taking advantage of available resources early can make an enormous difference.Some proactive steps include:Learn about your VA healthcare eligibility before separation.Review your life insurance and retirement options.Understand your GI Bill benefits.Build an emergency savings fund.Maintain relationships within the military community.Partner with trusted financial institutions that understand military life.Reach out to veteran support organizations before small problems become major ones.Organizations like America's Warrior Partnership and Armed Forces Bank share a common goal: helping military families build stronger financial futures while ensuring veterans know they don't have to navigate life's challenges alone.Transitioning from military service isn't a single event – it's an ongoing journey. The good news is that veterans don't have to walk that journey by themselves.As Jim Lorraine explains, the strongest veteran support systems aren't built by one organization doing everything. They're built by communities working together, connecting veterans with the right people, the right resources, and the right opportunities at the right time.Whether you're looking for veteran fin...

Welcome to Season 2 Episode 14 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Paul Cockerham, Business Development Director for Purple Heart Homes, to discuss how their organization is transforming the lives of veterans through accessible housing, home repairs, and community support. For many veterans, coming home doesn't always mean returning to a home that meets their needs.Whether it's recovering from combat injuries, aging with service-connected disabilities, or facing financial hardships that make critical home repairs impossible, thousands of veterans across the country struggle to live safely and independently in their own homes. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. The Organization Quietly Solving One of America's Biggest Veteran Housing Problems – Purple Heart Homes Purple Heart Homes was born from one veteran helping another. After serving together during Operation Desert Storm, National Guard soldiers John Gallina and Dale Beatty experienced a life-changing event years later when both were severely injured during a route clearance mission in Iraq. Dale lost both of his legs, while John sustained traumatic brain and back injuries. When Dale returned home, his house simply wasn't built for someone with his new physical challenges. John, who worked as a custom home builder, rallied volunteers throughout his community to build his friend a fully accessible home. That single act of service inspired what would become Purple Heart Homes. Nearly two decades later, the organization continues honoring that same commitment by ensuring veterans have safe, accessible places to call home. Helping Veterans Stay Safe at Home Purple Heart Homes focuses on helping veterans remain independent by addressing housing challenges before they become crises. Their Veterans Aging in Place (VAIP) program provides assistance for veterans who own their homes but can no longer safely live in them because of accessibility or maintenance issues. Projects may include: ·      Wheelchair ramps·      ADA-compliant bathrooms·      Wider doorways·      Foundation repairs·      Roof replacement·      HVAC repairs·      Other critical home repairs For many veterans, these improvements mean the difference between remaining at home or losing their independence. More Than Home Repairs for Veterans Purple Heart Homes also provides innovative housing solutions through its modular home program. Built in their manufacturing facility in North Carolina, these homes can provide permanent housing for veterans who own land or support other veteran-serving organizations that need on-site housing for their programs. Another unique initiative is the Veteran Home Opportunity Program (VHOP). Through donated homes from banks and private donors, Purple Heart Homes renovates properties to meet veterans' accessibility needs before making them available at significantly below market value. Veterans begin homeownership with substantial equity already built into the property, creating long-term financial stability. The National Mission of Purple Heart Homes What began with one accessible home has grown into a nationwide organization. Today, Purple Heart Homes: ·      Operates chapters across the United States and Puerto Rico·      Completes more than 200 projects annually·      Has completed more than 700 housing projects·      Has served more than 4,000 veterans·      Has positively impacted over 8,500 veterans, family members, and caregivers The organization's local chapters help ensure veterans continue receiving support long after construction crews leave. As Paul explains during the episode, the goal isn't simply completing a project – it's welcoming veterans into the Purple Heart Homes family. Housing Is the Foundation for Everything Else One of the most powerful discussions in this episode centers around the idea that safe housing serves as the foundation for every other type of support a veteran may need.  Medical care.  Mental health counseling.  Financial counseling.  Employment assistance.  Community engagement. All of these become significantly more effective when veterans have a stable, accessible home where they can recover, recharge, and build their future. Paul describes housing as the "hub," with every other veteran service becoming a spoke extending outward. It's a simple concept with profound implications. Changing Lives One Veteran at a Time Purple Heart Homes met a Vietnam veteran who had quietly lived in an uninsulated storage shed for more than 20 years. Despite losing a limb, he had adapted to living without running water, heating, or air conditioning. After months of building trust, the organization convinced him to accept one of their modular homes. When he turned on the faucet for the first time, he paused and simply listened.  "I haven't heard running water where I live in 22 years." Moments like these remind us that restoring dignity often begins with something many of us take for granted. Advocating for Veterans Beyond Housing Purple Heart Homes doesn't only build homes – they also advocate for better policies affecting veterans nationwide. The organization played a leading role in supporting federal legislation that corrected an issue preventing many disabled veterans from qualifying for certain housing assistance programs because of outdated income calculations. The change opened access to housing resources for thousands of veterans who previously fell through the cracks. It's another example of how meaningful change happens not only through direct service, but also through advocacy. How You Can Help Veterans Purple Heart Homes depends on volunteers, corporate partners, donors, and local communities to continue its mission. Whether you have construction experience or simply want to lend a helping hand, volunteers are always welcome. Businesses can also partner with the organization through sponsorships, donations, and community projects that directly improve veterans' lives. To learn more about Purple Heart Homes, volunteer opportunities, or available programs, visit purplehearthomesusa.org. Supporting Military Families Beyond Housing At Armed Forces Bank, we're proud to highlight organizations making a real difference for military families and veterans. Financial wellness and housing often go hand in hand. Whether you're preparing to purchase a home using a VA home loan, exploring options to refinance your mortgage, opening a military checking account, building long-term savings with a military savings account, or planning your next chapter after military service, having trusted financial resources can help create a stronger future. Together, organizations like Purple Heart Homes and Armed Forces Bank are committed to helping service members, veterans, and military families build stability, independence, and lasting success. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: Frank C. Mars of Minnesota introduced what candy bar in 1923?·      Answer: Milky Way ·      This week’s Military Minute question(s): What was the original name of the Purple Heart, and in which city and state is the National Purple Heart Hall of Honor?Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page. Answer with the correct answer and you plus a charity of your choice can eac...

The boxes are mostly unpacked. The new duty station is no longer a destination — it is home, at least for now. In the 4th and final episode of the Militarily Speaking PCS Survival Series, hosts Tom McLean and Jodi Vickery are joined again by VA Loan Expert Mel Aguto to talk about what happens after a PCS move: the first 30-60 days, the financial and administrative reset, military spouse employment, rebuilding community, and the lessons experienced military families wish they had learned earlier.Militarily Speaking dives into the heart of military life through the voices of those who’ve lived it. Hosted by Tom McLean and Jodi Vickery – seasoned professionals with a passion for serving the military community – the show blends financial insight, real-world experience, and honest conversation. Jodi, a proud military spouse, and Tom bring different perspectives that make every episode both relatable and practical. Each episode, we sit down with veterans, spouses, and leaders who share stories that matter – from the challenges of deployment and transition to insights on careers, family, and finances. It’s about the military journey, told through the people who know it best. And don’t miss our Military Minute, a trivia segment where listeners can test their knowledge of military history, pop culture, and more – with chances to win prizes for you and your favorite charity. Head over to our Facebook page for more info.  Season 2 brings even more stories, new voices, and more ways to engage with the community. Follow us on Facebook at Militarily Speaking Podcast and be part of the conversation. Produced by Armed Forces Bank. This is who we are. AFBank.com | Member FDIC

In Episode 3 of our PCS Survival Series, Militarily Speaking hosts Tom McLean, Jodi Vickery, and VA Loan Expert Mel Aguto, break down exactly what the government covers, how DLA, per diem, and mileage reimbursement actually work in practice, the financial mistakes that cost families most, and how to manage the emotional weight of the gap period.Militarily Speaking dives into the heart of military life through the voices of those who’ve lived it. Hosted by Tom McLean and Jodi Vickery – seasoned professionals with a passion for serving the military community – the show blends financial insight, real-world experience, and honest conversation. Jodi, a proud military spouse, and Tom bring different perspectives that make every episode both relatable and practical. Each episode, we sit down with veterans, spouses, and leaders who share stories that matter – from the challenges of deployment and transition to insights on careers, family, and finances. It’s about the military journey, told through the people who know it best. And don’t miss our Military Minute, a trivia segment where listeners can test their knowledge of military history, pop culture, and more – with chances to win prizes for you and your favorite charity. Head over to our Facebook page for more info.  Season 2 brings even more stories, new voices, and more ways to engage with the community. Follow us on Facebook at Militarily Speaking Podcast and be part of the conversation. Produced by Armed Forces Bank. This is who we are. AFBank.com | Member FDIC

In this episode of Militarily Speaking, we continue our four-part PCS Survival Guide. In Episode 2 of our PCS Survival Series, Tom, Jodi, and VA loan expert Mel Aguto break down the biggest planning decisions in any PCS move: how to talk to your kids, on-base vs. off-base housing, and the critical HHG vs. DITY/PPM move choice. Plus: the one thing you should absolutely not do the moment orders arrive.Militarily Speaking dives into the heart of military life through the voices of those who’ve lived it. Hosted by Tom McLean and Jodi Vickery – seasoned professionals with a passion for serving the military community – the show blends financial insight, real-world experience, and honest conversation. Jodi, a proud military spouse, and Tom bring different perspectives that make every episode both relatable and practical. Each episode, we sit down with veterans, spouses, and leaders who share stories that matter – from the challenges of deployment and transition to insights on careers, family, and finances. It’s about the military journey, told through the people who know it best. And don’t miss our Military Minute, a trivia segment where listeners can test their knowledge of military history, pop culture, and more – with chances to win prizes for you and your favorite charity. Head over to our Facebook page for more info.  Season 2 brings even more stories, new voices, and more ways to engage with the community. Follow us on Facebook at Militarily Speaking Podcast and be part of the conversation. Produced by Armed Forces Bank. This is who we are. AFBank.com | Member FDIC

In this episode of Militarily Speaking, we begin our four-part PCS Survival Guide. In this first episode, we cover what to do if you’ve just received received PCS orders — or you know they're coming. Tom and Jodi are joined by senior VA loan expert Mel Aguto (a combined 20+ years of military spouse experience and more PCS moves than they care to count!) walk through everything you need to tackle first: understanding your orders, navigating CONUS vs. OCONUS differences, the paperwork that trips families up most, and special considerations for EFMP, IEPs, and pets.Militarily Speaking dives into the heart of military life through the voices of those who’ve lived it. Hosted by Tom McLean and Jodi Vickery – seasoned professionals with a passion for serving the military community – the show blends financial insight, real-world experience, and honest conversation. Jodi, a proud military spouse, and Tom bring different perspectives that make every episode both relatable and practical. Each episode, we sit down with veterans, spouses, and leaders who share stories that matter – from the challenges of deployment and transition to insights on careers, family, and finances. It’s about the military journey, told through the people who know it best. And don’t miss our Military Minute, a trivia segment where listeners can test their knowledge of military history, pop culture, and more – with chances to win prizes for you and your favorite charity. Head over to our Facebook page for more info.  Season 2 brings even more stories, new voices, and more ways to engage with the community. Follow us on Facebook at Militarily Speaking Podcast and be part of the conversation. Produced by Armed Forces Bank. This is who we are. AFBank.com | Member FDIC

Welcome to Season 2 Episode 13 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Jason Anderson, veteran, and CEO &amp; Founder of VeteranPCS, to explore how military families can navigate PCS moves more strategically and even get money back in the process. They dive into the role of real estate in building long-term financial stability, how VA home loans fit into a broader military financial readiness plan, and why working with trusted, military-focused agents can make a major difference. Jason also shares how Veteran PCS is helping service members and their families turn frequent moves into opportunities for smarter financial decisions. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.How to Get Money Back from Your PCS Move – with Jason from VeteranPCS Jason Anderson’s journey from Army aviation officer to entrepreneur highlights the realities of transitioning from military to civilian life. After serving globally and retiring in 2020, Jason entered the real estate space and quickly identified a gap: military families needed a more trusted, community-driven way to navigate home buying and selling. VeteranPCS was built to meet that need – connecting military families with vetted real estate professionals who understand the complexities of PCS moves, VA home loans, and military relocation timelines. The platform supports not only home buying but also broader financial planning for service members, ensuring decisions align with long-term financial goals. Supporting Financial Readiness for Military Families At its core, VeteranPCS operates on a simple mission: military families helping military families move. But beyond that, Jason emphasizes how real estate plays a critical role in financial readiness for military families. Through commission sharing and charitable giving, VeteranPCS has returned over $550,000 to military families and organizations. This approach helps reduce financial strain during moves and supports smarter wealth-building strategies – key components of military financial education and long-term stability. Real Estate, VA Loans, and Military Financial Strategy The conversation highlights how real estate decisions tie directly into military banking and financial strategy. Jason discusses how understanding tools like VA home loans can help service members build equity and avoid costly mistakes. With the right guidance, homeownership becomes more than a transaction – it becomes a strategic part of financial planning for service members and a pathway toward building generational wealth. Community Impact and Veteran Support Organizations VeteranPCS also partners with impactful veteran support organizations, including Wear Blue: Run to Remember and the Veterans Community Project. These partnerships extend the platform’s mission beyond real estate, contributing to a broader ecosystem of veteran financial resources and community support. Jason emphasizes that trust, shared experience, and community connection are what truly differentiate VeteranPCS from traditional real estate platforms. Transitioning to Entrepreneurship After Military Service Jason shares candid insights about launching a business after military service, highlighting the importance of patience, adaptability, and long-term vision. His experience reflects a common challenge for veterans – finding purpose and stability after service – while reinforcing the importance of preparation when transitioning from military to civilian life. Advice for Service Members and Veteran Entrepreneurs For service members considering entrepreneurship or real estate investment, Jason offers practical advice: ·      Focus on serving your community first·      Build strong networks within veteran circles·      Understand the financial implications of major decisions·      Stay committed to long-term goals These principles align closely with building strong military financial readiness and sustainable post-service careers. Jason’s story demonstrates how service doesn’t end when the uniform comes off. Through VeteranPCS, he continues to support military families by helping them make informed, strategic real estate decisions that strengthen their financial futures. The group reinforces the importance of combining trusted veteran financial resources, smart military banking decisions, and community-driven support to help service members and their families thrive. If you’re part of a military family preparing for a move, visit veteranpcs.com to connect with trusted real estate professionals who understand your needs. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What 1990s TV show starred Jane Seymour as a 19th century doctor who settled in Colorado Springs at the foot of the Rockies?·      Answer: Dr. Quinn Medicine Woman·      This week’s Military Minute question(s):  Frank C. Mars of Minnesota introduced what candy bar in 1923?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 12 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Jeff Major, a Personal Financial Readiness Specialist at Army Community Service (ACS), to discuss strengthening military financial readiness to providing critical support programs for military families. They outline the essential resources available to service members at every stage of their careers. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Military Families: Are You Missing These Financial Resources? Jeff Major, a seasoned Army veteran, brings decades of experience to the discussion. After serving as an attack helicopter pilot and aviation maintenance officer, Jeff transitioned into financial counseling, dedicating his post-service career to advancing financial education for military families. His work supports service members in building strong foundations for long-term success – both during active duty and while transitioning from military to civilian life. The Core of Army Community Service Army Community Service is often described as one of the military’s best-kept secrets. With 14 major programs designed to support service members and their families, ACS plays a central role in promoting financial readiness for military families and overall well-being. Programs such as Employment Readiness and Financial Readiness are especially impactful, offering guidance that helps service members prepare for both immediate challenges and long-term goals. These services align closely with Armed Forces Bank’s broader mission of strengthening military financial education and ensuring that service members have access to reliable, installation-based support. Financial Education and Military Financial Readiness A major focus of the episode is the ACS Financial Readiness Program. Jeff emphasizes that military financial readiness begins with education – particularly for young service members who may be managing finances independently for the first time. Topics covered include: Budgeting and cash flow planningUnderstanding retirement options such as 401(k)-style plans and the Thrift Savings Plan (TSP)Managing debt and improving creditLong-term financial planning for military families By building these habits early, service members can improve their financial stability and reduce stress throughout their careers. Navigating Financial Challenges Jeff shares personal stories that reflect common financial challenges faced by service members and veterans – from credit issues to unexpected expenses during PCS moves. His advice reinforces the importance of structured planning, disciplined saving, and proactive financial decision-making. These conversations underscore why financial planning for service members is essential – not only for current stability but also for long-term security after separation from the military. Collaboration with Armed Forces Bank and Financial Institutions Tom and Jodi discuss how organizations like Armed Forces Bank can partner with ACS to strengthen military banking education and expand access to banking options for military members. Jeff highlights the importance of financial institutions providing clear, transparent guidance so service members fully understand the products they use – from checking and savings accounts to long-term planning tools. This collaboration supports a unified approach to improving military financial readiness across the community. The Army Community Service is more than a support office – it’s a cornerstone of financial readiness, education, and veteran-focused resources. Jeff Major’s insights reinforce the message that preparation, planning, and access to trusted programs can significantly improve outcomes for service members and their families. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: Who purchased West Point back in 1790 for $11,085? And under what two names did West Point operate before officially becoming the United States Military Academy at West Point?·      Answer: Alexander Hamilton, and prior to being the United States Military Academy at West Point, it was named Fort Arnold and Fort Clinton.·      This week’s Military Minute question(s): What 1990s TV show starred Jane Seymour as a 19th century doctor who settled in Colorado Springs at the foot of the Rockies?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 11 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Tim Shaw and Colin Block, two leaders dedicated to helping veterans succeed after service. Their conversation centers on transitioning from military to civilian life, highlighting practical strategies, support programs, and the importance of financial readiness for veterans and military families. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Real Employment Opportunities for Military Veterans – And How to Access Them Tim Shaw, a West Point graduate and co-founder of multiple veteran support organizations, and Colin Block, a Marine Corps veteran working with Vitrify, share their personal journeys and professional insights. Together, they offer guidance on navigating career changes, education pathways, and the broader challenges veterans face during transition. Their experiences underscore how preparation, community, and access to veteran financial resources can significantly impact long-term success after military service. The Importance of Networking and SkillBridge Colin emphasizes that networking is one of the most valuable tools for service members preparing to transition. Starting early, ideally two years before separation, allows veterans to plan intentionally for both employment and financial stability. The SkillBridge program plays a critical role in this process by connecting service members with internships and fellowships while still on active duty. This hands-on experience supports career exploration and contributes to overall military financial readiness by reducing uncertainty during transition. The Reserves as a Military Transition Path Tim shares his experience in the reserves and explains how it can serve as a stabilizing bridge between military and civilian life. For many veterans, reserve service provides continued income, healthcare options, and a sense of structure are important factors in financial planning for service members and their families during times of change. Service to School: Education as a Veteran Resource Service to School, one of the nonprofit organizations Tim co-founded, helps enlisted veterans access higher education at top universities. Through its TRAIN model – test preparation, resume reviews, application assistance, interviewing assistance, and networking – the program expands educational opportunities and strengthens long-term financial readiness for military families. Financial Preparedness: A Cornerstone of Veteran Transition Both Tim and Colin stress that military financial readiness is essential for a smooth transition. Veterans are encouraged to plan ahead for changes in income, benefits, and healthcare, and to build strong financial habits early in their careers. Financial preparation, they note, is just as important as career planning when transitioning from military to civilian life. Encouraging Veteran Employment Tim and Colin highlight why veterans are such valuable hires, pointing to their discipline, adaptability, and teamwork. They encourage employers to engage with veteran employment programs to strengthen their workforce while supporting those who have served. Veterans and employers interested in transition support and veteran employment opportunities are encouraged to explore TheMilVet, SkillBridge, Service to School, and other veteran support organizations discussed in this episode. With the right resources and planning, veterans can confidently build a strong future beyond the uniform. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What color are horses unable to see? And how many gallons of water can a horse drink in one day?·      Answer: Red and 25 Gallons·      This week’s Military Minute question(s): Who purchased West Point back in 1790 for $11,085? And under what two names did West Point operate before officially becoming the United States Military Academy at West Point?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 10 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Jason Laramore, Program Director for Heroes and Horses, who shares how veteran horse therapy helps combat veterans rediscover purpose, resilience, and personal stability through nature, horsemanship, and personal challenge. The powerful work of Heroes and Horses supports veterans as they navigate the emotional and personal challenges of transitioning from military to civilian life, offering a transformative path toward healing and renewed direction. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Why Veteran Horse Therapy Might Be the Breakthrough Veterans Need Jason explains that Heroes and Horses was created to help veterans reset their relationship with stress, identity, and purpose after service. The program’s mission is to “unprogram the programmed” by removing participants from modern distractions and immersing them in nature. This holistic approach supports long-term well-being – an important foundation for stable relationships, and healthy decision-making after service. The 41-day program challenges veterans physically, mentally, and emotionally, encouraging accountability, discipline, and self-reliance – skills that directly translate to success in civilian life. A Journey of Self-Discovery and Transition Participants undergo a full digital detox, giving up cell phones and external noise to focus inward. Veterans engage in physical fitness, mindfulness, horsemanship, and leadership exercises designed to rebuild confidence and clarity. The program culminates in an 11-day pack trip through Montana’s rugged wilderness, where veterans face real-world challenges that mirror the complexities of veteran transition planning. This experience helps participants rebuild trust in themselves – an essential step toward stability for both veterans and their families. The Impact on Veterans and Military Families The impact of Heroes and Horses extends far beyond the individual participant. Graduates return home better equipped to reengage with their families, careers, and communities. By addressing emotional health, physical wellness, and personal responsibility, the program supports veterans in building a strong foundation for long-term readiness and life planning. Programs like Heroes and Horses complement other veteran support organizations that focus on employment, financial education, and access to veteran financial resources, ensuring veterans have multiple pathways to success after service. Global Influence and Veteran Support The success of Heroes and Horses has inspired international expansion. Jason shares the story of an Australian veteran who, after completing the program, partnered with the Australian VA to launch a similar initiative. This global reach highlights the universal need for structured support systems that help veterans navigate post-service life with confidence and stability. Community, Volunteers, and Ongoing Support Heroes and Horses thrives thanks to a dedicated community of volunteers and partners who support daily operations, ranch maintenance, logistics, and nutrition. Their commitment reflects the broader military community’s belief that veterans deserve access to meaningful resources that support both personal well-being and long-term readiness. Heroes and Horses demonstrates the profound role nature, discipline, and connection can play in helping veterans heal and rebuild after service. By addressing the invisible wounds of war, the program empowers veterans to reclaim purpose – strengthening not only individual lives but also the well-being of military families and communities nationwide. If you or someone you know could benefit from Heroes and Horses, or if you’re interested in supporting their mission through volunteering or donations, visit heroesandhorses.org. Programs like this are a vital part of the ecosystem that supports veterans as they pursue stability, purpose, and a strong future beyond the uniform. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What is the name of the hero, to which a hall at the National War College, is dedicated?·      Answer: General Colin Powell·      This week’s Military Minute question(s): What color are horses unable to see? And how many gallons of water can a horse drink in one day?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 9 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Sam, ‘Rags,’ and Bud from the Air Warrior Courage Foundation (AWCF) to the organization’s powerful mission supporting veterans, service members, and military families. They help militarily families with disaster relief, PTSD support, college grants, and much more. Tune in as they highlight the importance of giving back and the enduring bonds formed in military service. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. How the Air Warrior Courage Foundation Is Quietly Saving Military Families The Air Warrior Courage Foundation was founded on the core military principle of never leaving a wingman behind. What began as an effort to help a fellow airman in need has evolved into a nationwide support network offering financial assistance for veterans, disaster relief, and aid to wounded service members and families of the fallen. Bud emphasized that AWCF’s mission extends across branches, reinforcing a shared commitment to financial readiness for military families and ensuring no service member faces hardship alone. Whether supporting Air Force families or partnering with Navy Wounded Warrior programs, the foundation reflects the deep bond shared by those who serve. Programs That Strengthen Financial Readiness for Military Families One of the impactful initiatives discussed on the podcast is AWCF’s helping families with 529 education savings accounts for children of service members who die on active duty – an important step toward long-term financial security for military families. These programs reduce future financial strain while honoring the sacrifice of fallen heroes. AWCF also partners with ROTC and JROTC programs nationwide, supporting education pathways that lead to military service and stable careers. These efforts align closely with broader goals around financial education for military families and preparing the next generation for success. Rags and Bud shared moving stories of lives changed through AWCF support, including helping a young boy overcome a severe speech impediment – demonstrating how targeted assistance can transform futures beyond immediate financial relief. Transparency, Integrity, and Veteran-Focused Financial Stewardship A key theme throughout the episode was accountability. AWCF operates with strong financial oversight, ensuring donations are used responsibly and effectively. This transparency builds trust and mirrors the values of organizations dedicated to veteran financial resources and responsible nonprofit leadership. Bud also discussed AWCF’s growth strategy, including expanding digital outreach, strengthening partnerships, and increasing visibility at military and veteran-focused events – all aimed at reaching more families in need of trusted financial support and resources. Veterans Leading Veterans Forward As leadership transitions to a new generation, AWCF remains firmly guided by veterans who understand the realities of military life and transitioning from military to civilian life. Sam shared how this firsthand experience allows the foundation to proactively identify needs and provide meaningful support before crises escalate. Their work reflects a broader commitment to ensuring veterans and families have access to financial guidance, emergency assistance, and long-term stability – values that align closely with the mission of military banking and veteran-focused financial services. A Lasting Commitment to Those Who Serve Listeners inspired by AWCF’s work can get involved by volunteering, spreading awareness, or contributing financially. Donations help expand programs that promote financial readiness, education, and stability for service members and veterans. To learn more or support the mission, visit https://airwarriorcourage.org/ Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: How many national championships has the Auburn Tigers Football Team won. And in what year was their most recent one?·      Answer: 9 National Championships with the most recent being in 2010.·      This week’s Military Minute question(s): What is the name of the hero, to which a hall at the National War College, is dedicated?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 8 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Sarah Roder from Armed Forces Mutual to break down financial planning for military life. From Thrift Savings Plan (TSP) strategies and early retirement planning to budgeting, military benefits, and financial education for young service members, this conversation delivers practical insights every military family should know. Together, they explore how trusted organizations play a critical role in helping military members build financial confidence and plan for life beyond the uniform. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Military Money Mistakes No One Warns You About (And How to Avoid Them) with Sarah Roder from Armed Forces Mutual Founded in 1879 following the Battle of Little Bighorn, Armed Forces Mutual is one of the nation’s oldest organizations dedicated to supporting the military community. Originally established as Army Mutual Aid, the nonprofit now serves all branches of the armed forces with a clear mission: to promote financial independence for military families through insurance, education, and long-term planning tools. Sarah explains how the organization’s evolution into Armed Forces Mutual reflects a modern approach to military banking alternatives and veteran financial resources, while remaining deeply rooted in service to those who serve. Financial Planning for Service Members A major focus of the discussion centers on financial planning for active-duty military members, particularly young service members between the ages of 18 and 25. Sarah emphasizes the importance of starting early with retirement planning, highlighting the Thrift Savings Plan (TSP) as one of the most powerful tools available to military members. By contributing early and taking advantage of matching contributions, service members can significantly improve their long-term financial readiness. Sarah notes that military discipline often translates well into financial habits once the right education and resources are in place. Comprehensive Support for Military Families Armed Forces Mutual provides financial education for military families across every phase of military life – from initial enlistment to transition and retirement. Sarah discusses the organization’s digital vault, budgeting tools, and dedicated financial readiness resources designed to help military families manage everything from everyday expenses to long-term goals. She also shares insights into the subject matter expert teams that deliver financial counseling and education on bases and in military communities nationwide. These programs help families navigate real-world challenges such as PCS moves, deployments, and major life transitions. Supporting Military Transitions and Real-Life Needs Sarah’s personal journey within Armed Forces Mutual illustrates the organization’s commitment to veteran support organizations and compassionate service. From assisting families during medical crises to guiding service members through complex benefit decisions, her experiences highlight the real-world impact of accessible financial counseling for military members and veterans. These moments underscore how financial preparedness plays a vital role during times of uncertainty, transition, and change. Embracing Technology in Military Financial Services As military banking and financial services continue to evolve, Armed Forces Mutual is investing in technology to better serve today’s military families. Sarah previews upcoming enhancements, including a redesigned website and learning management system aimed at improving access to military financial education and self-guided planning tools. These innovations support modern expectations while maintaining a personal, mission-driven approach to service. Sarah reinforces the importance of trusted financial partners in the military community. Through education, technology, and personalized support, Armed Forces Mutual continues to help service members and veterans strengthen their financial readiness and plan confidently for the future. To learn more about Armed Forces Mutual, visit their website: https://www.aafmaa.com/ Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What is the motto and the mascot for Bowie State University?·      Answer:  The motto for Bowie State University is, “Your bold belongs to those who are Bowie bold.” And their mascot is the bulldog.·      This week’s Military Minute question(s): How many national championships has the Auburn Tigers Football Team won. And in what year was their most recent one?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 7 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we are joined by Retired Brigadier General Omuso “Moose” George, the President and CEO of the Association of Military Banks of America (AMBA). Together we cover Moose's impressive 30-year military career, his transition to leading AMBA, and the unique challenges and opportunities of the military banking landscape. From his early days at West Point to managing billions in Army funds, Moose shares insights on financial readiness, the impact of AI and technology on banking, and how banks can better serve military families. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. The Future of Military Banks: What AMBA’s CEO Says You Need to Prepare For Moose’s distinguished 30-year career in Army financial management laid the foundation for his expertise in military money management and financial operations. After transitioning from active duty, he moved into consulting, continuing to support the defense community. Eventually, he was recruited to lead AMBA, where his passion for military financial education and service-centered leadership came full circle. His professional path reflects the strategic decision-making that many veterans face when navigating military transition financial planning, showing how financial literacy and readiness play key roles in long-term success. The Role of AMBA AMBA is the only trade association dedicated exclusively to military banks – financial institutions that provide specialized banking support, products, and resources for military families. Today, AMBA represents 98 military-focused banks and 8 non-bank members committed to strengthening financial readiness for military families through safe, accessible, and dependable financial services. Under Moose’s leadership, AMBA advocates for programs that enhance military financial resources, promote secure digital banking options for service members, and support trusted military credit-building tools and responsible lending, including military loans and transition-friendly financial products. Challenges and Opportunities in Military Banking As Moose reflects on his early Army days, he highlights how the evolution of military banking – from in-person deposits to mobile banking – has created both new efficiencies and new risks. Technology, including AI, offers powerful opportunities for improving military financial tools, but it also demands stronger cybersecurity and responsible innovation. These issues were central topics at the latest AMBA Summit, where industry leaders explored how technological shifts impact military financial readiness, service member protections, and safe financial access worldwide. Military Family Financial Complexities Moose shared personal stories that underscore the financial complexities military families face – from frequent PCS moves to challenges securing stable military spouse employment, which is critical to building long-term military family financial support. Each relocation disrupts income, savings, and career paths, making strong banking partnerships and military financial resources essential. AMBA and its member banks work to address these issues through spouse hiring programs, tailored financial products, and education that empowers families to maintain financial stability through every transition. Best Practices for Supporting Military Families Throughout our conversation, Moose highlighted how banks can support the unique needs of military families by offering: ·      Targeted financial education for military families·      Safe and accessible military checking and military savings accounts·      Low-cost military loans and military credit-building programs·      Tools that simplify military money management during deployments and PCS moves·      Career opportunities for military spouses These best practices strengthen financial readiness across the military community, helping families stay prepared for both everyday expenses and unexpected challenges. Looking forward, AMBA is enhancing its digital presence, branding, and community partnerships to expand its reach and improve access to military financial education and trustworthy banking resources. Moose’s vision focuses on ensuring that every service member and veteran has access to safe, reliable financial options that support readiness and long-term well-being. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What are the three main categories of military uniforms? ·      Answer: Combat, Service, and Dress·      This week’s Military Minute question(s):  What is the motto and the mascot for Bowie State University?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 6 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we dive deep into the world of veteran entrepreneurship and military business leadership with Robert Patton, the founder and CEO of Sheath. Sheath is a unique veteran-owned business known for innovating comfort in men’s underwear. Robert’s journey from Army soldier to successful entrepreneur offers powerful insights for military members, veterans, and military spouses interested in starting a business, veteran small business funding, and leadership development. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Turning a Deployment Idea Into a Multi-Million Dollar Veteran Business with Robert Patton, Founder and CEO of Sheath Robert Patton launched Sheath in 2013, building what is now a recognized veteran-owned apparel brand. Originally a men’s underwear company, it expanded to include a women’s line in 2017. The brand reflects discipline, durability, and self-mastery – qualities rooted in Robert's military background and aligned with the broader mission of encouraging military entrepreneurs to build purpose-driven businesses. Transitioning from Military to Business Robert’s entrepreneurial journey began during his military service in Iraq, where he identified a need for performance-based comfort in extreme conditions. Encouraged by those around him, he turned an idea into a prototype and eventually into a thriving business. His experience illustrates the challenges and opportunities that come with transitioning from active duty to entrepreneurship, a path many veterans and military spouses are exploring today. The Military Influence on Business Leadership The discussion highlights how military experience directly shapes effective business leadership, communication, and problem-solving. Robert shared how his Army training built resilience, perseverance, and confidence – essential skills for anyone navigating military small business ownership or exploring funding for veteran owned business. His story underscores why veterans often make exceptional leaders in both startups and established companies. Challenges and Growth at Sheath Robert’s initial product run didn’t succeed due to design issues, but the setback only strengthened his determination. After refining the design and relaunching, Sheath gained momentum. His story is a reminder that growth requires patience, adaptability, and a willingness to learn – traits often developed during military service and essential for entrepreneurial leadership. Sheath’s team is largely built around trusted family and friends. While unconventional, this lean and resourceful approach helped the company grow organically. It offers an interesting perspective for listeners considering team-building strategies for their own veteran-owned small business. Testing Different Marketing Strategies Sheath’s marketing strategy evolved from podcast outreach to influencer endorsements and YouTube sponsorships. Robert emphasizes the importance of organic growth, audience feedback, and meeting customers where they are. His experience offers valuable insight for military entrepreneurs navigating business marketing, digital platforms, and customer engagement. Looking ahead, Sheath plans to expand into pajamas and everyday apparel, aiming for significant growth over the next decade. Robert’s approach demonstrates long-term strategic planning – a key theme in both leadership development and military-inspired business strategy. Advice for Aspiring Veteran Entrepreneurs Robert encourages aspiring entrepreneurs, especially veterans, to leverage resources such as the GI Bill, the Small Business Administration, and modern funding avenues like crowdfunding. These tools can help military members and spouses access veteran business funding, reduce financial risk, and build sustainable companies. Robert Patton’s story is a powerful example of resilience, innovation, and applying military skills to the business world. His journey encourages aspiring military entrepreneurs to embrace challenges, keep learning, and stay committed to their vision — whether they’re exploring veteran-owned business opportunities, military spouse entrepreneurship, or leadership training. To learn more about Robert Patton and Sheath, or try their innovative apparel, visit sheath.com and use promo code AFB for a 20% discount. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What is the last name of the famous Heather known for her heroic actions on 9/11 as an Air Force pilot when she flew to intercept United Flight 93?·      Answer: Heather Penney·      This week’s Military Minute question(s): What are the three main categories of military uniforms? ·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 5 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we sit down with Heather Walrath of Navy Mutual Aid Association to discuss military financial readiness, budgeting for PCS moves, and long-term planning for veterans and service members. Discover expert tips on saving money, improving credit, managing military loans, and preparing for life after service. Whether you’re new to the military or nearing retirement, this episode is your guide to smarter military banking and financial success. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. The Financial Moves Every Military Family Needs to Make - Advice from Navy Mutual’s Heather Walrath The Navy Mutual Aid Association is the oldest federally recognized veteran service organization in the U.S., founded to support naval officers and their families after the Battle of Little Bighorn. Today, it provides life insurance, financial counseling, and educational resources across all branches of the military. Heather’s role gives her a front-row seat to the financial challenges military families face, from navigating military benefits to planning for retirement. Her passion lies in empowering families through financial literacy – ensuring every military service member understands the full scope of benefits and options available to them. Building Military Financial Readiness from Day One Heather emphasizes that financial education for service members should begin as early as possible. Her mantra – “Save from day one” – encourages young service members to take advantage of military savings accounts, the Thrift Savings Plan (TSP), and high-yield savings options offered by military-friendly banks like Armed Forces Bank. She also highlights how financial planning for military families can prevent issues that affect security clearances and leadership opportunities. By setting shared goals and having regular “money dates,” military couples can improve communication and maintain financial wellness during deployments or PCS moves. Overcoming Common Financial Challenges in Military Life From frequent relocations to managing unexpected expenses, Heather outlines how military families can improve financial readiness through emergency savings, smart budgeting, and ongoing financial education. Her stories underscore the real-world impact of military financial resources – including one about helping a widow recover unclaimed benefits, illustrating how financial literacy directly supports the military community’s well-being. Collaboration Between Banks and the Military Community Heather stresses the importance of partnerships between financial institutions and veteran organizations. By hosting workshops, sharing resources about VA home loans, military checking and savings accounts, and access loans, banks can play a key role in improving financial literacy among service members and veterans. These collaborations ensure veterans and military families have access to trusted tools that promote financial independence and support their transition to civilian life. Defining Financial Success for Military Families Heather defines financial success not as wealth, but as peace of mind – the confidence that comes from being prepared for emergencies, living within your means, and making informed financial choices. Her approach aligns with Armed Forces Bank: to provide financial tools and guidance that help service members, veterans, and their families thrive, no matter where military life takes them. Building Financial Independence in the Military Community Heather Walrath’s insights highlight the critical role of financial readiness in the military community. From understanding military benefits to creating long-term stability through financial education, her message is clear: financial empowerment starts with knowledge and proactive planning. For more financial tips for military families and resources to improve your military financial readiness, visit navymutual.org or explore the educational tools and military banking solutions available through Armed Forces Bank. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What was the original name of Old Dominion University?·      Answer: Norfolk Division of the College of William and Mary·      This week’s Military Minute question(s): What is the last name of the famous Heather known for her heroic actions on 9/11 as an Air Force pilot when she flew to intercept United Flight 93?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 4 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we talk with Bruce McClary, Senior Vice President of Media Relations and Membership for the National Foundation for Credit Counseling (NFCC). Financial readiness is an essential part of life for military families, who often face unique financial challenges due to deployments, relocations, and transitions between duty stations. Together with hosts Tom McLean and Jodi Vickery, they explore the latest trends, tools, and financial resources for service members designed to promote military financial wellness and education. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. 27% of Military Families Are Doing This With Their Money and Why It’s Risky – with Bruce McClary of NFCC Returning as the first-ever repeat guest on Militarily Speaking, Bruce McClary shares his extensive experience helping service members and veterans achieve financial stability. Through his work with the NFCC, Bruce champions veteran financial education and financial counseling programs that help military families reduce debt, improve credit, and build stronger money management habits. His work directly supports financial readiness for the military community, empowering service members to make informed decisions about their financial futures. Cryptocurrency and Military Financial Decisions One of the most eye-opening discussions centers around cryptocurrency and its growing role in military financial behavior. Surveys reveal that over a quarter of active-duty service members and military spouses have invested in cryptocurrency – double the national average. Bruce warns of the volatility and limited consumer protections in this market, emphasizing that financial education for service members must now include guidance on emerging investment trends. Programs like the NFCC’s financial counseling services play a crucial role in helping military members understand these risks and build responsible investment strategies. Bridging the Financial Communication Gap in Military Households Military families often face emotional and logistical challenges when it comes to managing money. Despite frequent financial discussions, more than half of military couples report that money management is a source of conflict. Bruce explains that improving financial literacy in military households requires practical tools—like budgeting checklists and step-by-step resources—to support better communication. Strengthening military financial readiness starts with helping families have productive, informed conversations about money. Addressing Payday Loans and Hidden Financial Traps Another major concern discussed is the continued use of payday loans and “buy now, pay later” services among service members. These short-term solutions can easily spiral into debt traps that undermine financial wellness for military families. Bruce urges the community to take advantage of trusted military banking partners and veteran financial assistance programs instead of predatory lenders. Resources like those provided by the NFCC and Armed Forces Bank can help service members avoid costly mistakes and build long-term financial security. Strengthening Financial Education for Service Members Bruce emphasizes the importance of collaboration between military banks, nonprofit organizations, and educators to expand access to financial education for veterans and service members. This partnership-driven approach ensures that every military family has the tools and knowledge to handle challenges such as debt management, savings strategies, and home or business financing. Improving military financial readiness not only strengthens individual families but also enhances overall community resilience. Get Support from the NFCC If you’re a service member, veteran, or military spouse seeking financial guidance, the NFCC offers certified financial counselors who specialize in veteran financial education and support. Visit www.nfcc.org or call 1-800-388-2227 to access free or low-cost counseling that helps with budgeting, debt reduction, and credit improvement. This episode of Militarily Speaking highlights the ongoing need for financial readiness in the military community. By increasing awareness, improving access to reliable resources, and prioritizing financial education for service members, families can take proactive steps toward a more secure and confident financial future. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: In what year was the Veterans Business Outreach Center created?·      Answer: 1999·      This week’s Military Minute question(s): What was the original name of Old Dominion University?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 3 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of Militarily Speaking, we chat with Joe Reagan from the Mount Carmel Veterans Service Center. The conversation highlights how veteran service organizations help veterans and military spouses transition to civilian life and launch veteran-owned small businesses, offering critical guidance, funding access, and financial education. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. The Hidden Network Helping Veterans Build Million-Dollar Businesses – with Joe Reagan of Mt. Carmel VBOC Joe Reagan, Director of the Colorado Veterans Business Outreach Center (VBOC), brings over 20 years of experience across defense, technology, and nonprofit sectors. Mount Carmel Veterans Service Center operates under a “no wrong door” philosophy, ensuring any veteran or military family member seeking assistance receives the appropriate financial resources for veterans, mentorship, and guidance to succeed. From Military Service to Supporting Veteran Entrepreneurs Joe’s journey began with a strong sense of duty post-9/11, leading him to serve in the 10th Mountain Division and later transition into civilian life. Today, he leverages his military experience to guide veterans and military spouses in establishing veteran-owned businesses, connecting them to veteran business funding, small business loans for veterans, and other critical resources. Opportunities, Challenges, and Financial Education for Veterans Joe touches on the wide array of services provided by Mount Carmel, including business counseling, networking, and financial education for veterans and military spouses running small businesses. He shares examples of diverse entrepreneurial ventures, from a veteran-crafted doll business to a military doctor using 3D printing for prosthetics, highlighting how access to veteran business funding and proper planning drives sustainable growth. Economic Impact of Veteran Entrepreneurship The VBOC collaborates with similar centers nationwide, amplifying the impact of veteran entrepreneurship on local economies. Supporting veteran-owned small businesses not only creates personal success but also contributes to broader community development, demonstrating the ripple effect of empowering veterans through business resources and financial education. OPLAN for Veteran Entrepreneurs Joe emphasizes translating military leadership strategies into business planning, the use of AI for marketing and operations, and the importance of financial literacy for long-term success. Programs at VBOCs and resources from partners like Armed Forces Bank help veterans and military spouses access small business loans, manage their finances, and confidently grow their businesses. Whether you’re starting a new venture or expanding an existing business, your local VBOC provides mentorship, veteran business funding, and financial education for military families. Reaching out can be the first step toward achieving your entrepreneurial dreams and contributing to the broader veteran community. For more information on these resources, visit the Mount Carmel Veterans Service Center website or find your local VBOC through the Small Business Administration. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: According to the SBAs Office of Advocacy. How many veteran owned businesses are there in the United States in 2024?·      Answer:·      This week’s Military Minute question(s):    In what year was the Veterans Business Outreach Center created?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 2 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of the Militarily Speaking podcast, we sit down with Brandon Eldridge, Executive Director of the Pike’s Peak Small Business Development Center (SBDC). Brandon shares how small businesses – especially veteran-owned and military spouse small businesses – can access the tools, funding, and financial education they need to thrive. Learn about the upcoming 18th Annual Veteran Small Business Conference, the impact of AI in business strategy, and the importance of a well-thought-out business plan. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Military to Millionaire! How Veterans Are Launching Thriving Small Businesses - with Brandon Eldridge of Pikes Peak SBDC With over 25 years of management experience in technology, banking, and retail, Brandon has dedicated his career to helping entrepreneurs succeed. Since becoming Executive Director in 2023, he has worked tirelessly to strengthen the Colorado Springs business community. Under his leadership, the Pike’s Peak SBDC continues to empower veteran-owned businesses and local entrepreneurs with free consulting, workshops, and access to small business loans and funding programs. Supporting Veteran-Owned Small Business Growth As Brandon explains, the Small Business Development Centers (SBDCs) serve as vital partners for entrepreneurs seeking to start or expand their businesses. From developing business plans and marketing strategies to finding loans for veteran-owned businesses, these centers help transform ideas into sustainable enterprises. The conversation then turns to one of the most common challenges faced by small business owners – access to capital. Brandon outlines how entrepreneurs can leverage veteran business funding programs, community partnerships, and financial institutions like Armed Forces Bank, which supports military banking solutions tailored to business needs. Technology, AI, and Cybersecurity in Business Brandon also shares insights into the growing role of AI and cybersecurity in today’s business environment. He explains how emerging technologies can streamline operations, improve data security, and enhance decision-making. These tools, he notes, are particularly valuable for small businesses looking to scale efficiently – an essential step toward long-term financial stability and independence. Empowering Veteran Entrepreneurs and Military Spouses With Colorado Springs’ strong military presence, the Pike’s Peak SBDC proudly serves veteran entrepreneurs and military spouses pursuing small business ownership. Brandon discusses their upcoming Veterans Small Business Conference, designed to connect veterans with mentorship, networking opportunities, and resources for business growth. These programs often highlight veteran business funding options and practical ways to secure small business loans for veterans looking to build or expand their ventures. For military spouses, Brandon emphasizes the importance of flexibility and resilience, acknowledging how frequent relocations can make traditional careers challenging. Programs like those offered by the SBDC help military families achieve economic empowerment through entrepreneurship. The Future of Veteran Owned Small Business DevelopmentAs the conversation wraps up, Brandon offers his perspective on the evolving landscape of small business ownership. He encourages aspiring business owners to seek out trusted advisors, explore military banking resources, and stay proactive about financial literacy – key elements for sustained business success. To learn more about small business resources, upcoming events, and how to get involved, visit the Pike’s Peak SBDC website. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What is the name of the podcast with the most episodes published and how many episodes are there?·      Answer: Too Beautiful to Live – 6643 episodes·      This week’s Military Minute question(s):  According to the SBAs Office of Advocacy. How many veteran owned businesses are there in the United States in 2024?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to Season 2 Episode 1 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of the Militarily Speaking podcast, we sit down with Lacey Langford, host of the MILMO Show and MilMoneyCon, as well as an Air Force veteran, military spouse, and accredited financial counselor. Together we explore the unique financial challenges military families face. From the importance of financial literacy to practical tips for better money management, this conversation offers valuable insights for military members and civilians alike. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Military Family Budgets: Stop Making These Money Mistakes! With Lacey Langford of MILMO Show Lacey highlights the importance of early financial education for the military community, especially for young service members just starting their careers. She explains how resources for veterans and military families must be delivered in engaging, modern formats to truly make an impact. One critical topic she raises is the rise of “buy now, pay later” programs, which she warns can mimic payday loan traps. Her mission is to ensure veterans and military spouses are prepared with the knowledge and tools to make smart financial choices that protect their futures. MilMoneyCon: A Hub for Helping Veterans and Military Families Lacey dives into the creation of MilMoneyCon, an annual conference she founded to bring together financial professionals with military ties. The event creates opportunities for mentorship, career development, and networking—particularly supporting military spouses and veterans transitioning to civilian life. She underscores how important community and career resources are in empowering veterans and their families to achieve financial independence. Memorable MILMO Podcast Episodes Reflecting on her own podcast, the MILMO Show, Lacey recalls impactful conversations, from her grandmother’s stories of wartime financial hardships to practical discussions on building wealth by reducing waste. These episodes serve as reminders of the lasting influence of financial literacy for military families. Air Force Military Spouse Personal Journey Lacey shares her personal journey, from joining the Air Force to her life as a military spouse navigating frequent relocations and career challenges. Her story resonates with countless veterans and military families transitioning into civilian life, showing both the struggles and opportunities within the military financial ecosystem. Supporting Veterans and Military Spouses As the episode concludes, Tom and Jodi ask how listeners can support the veteran and military spouse community. Lacey encourages volunteerism, donations to aid societies, and spreading accurate financial resources for veterans. You can support the MILMO Show by listening wherever you get your podcasts, or the MilMoneyCon by visiting https://milmoneycon.com/ to learn more. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What year was West Point established? What is the motto for West Point? And which two U.S. Presidents went to West Point?·      Answer: Founded in 1802. Motto is “Duty, Honor, Country”. Ulysses S Grant and Dwight D Eisenhower.·      This week’s Military Minute question(s): What is the name of the podcast with the most episodes published and how many episodes are there?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Ross Dickman, CEO of the leading veteran and military spouse employment organization, to discuss leadership development, communication challenges, and the unique obstacles military families face when transitioning to civilian life. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 86 – The Best Resource Veterans &amp; Military Spouses Need to Land Their Dream Job: Hire Heroes USARoss Dickman, a former Apache Helicopter Pilot with the U.S. Army, shares his transition from military service to civilian leadership – an experience shaped by mentors, education, and executive coaching principles. With degrees from West Point, Columbia University, and the University of Georgia, Ross applies his leadership training to guide Hire Heroes USA’s mission. He emphasizes the organization’s focus on tailored support for veterans and military spouses, using one-on-one coaching to ensure career placements are meaningful and sustainable—an approach rooted in leadership training courses that translate military experience into professional success. Overcoming Problems Transitioning to Civilian Life from the MilitaryRoss underscores that no two transitions from military to civilian life are the same, making personalized coaching essential. Hire Heroes USA’s transition specialists act as career and life coaches, helping clients translate military skills into competencies civilian employers value. The discussion also highlights communication problems that arise when veterans attempt to explain their military background to civilian employers. Through targeted coaching, veterans and spouses learn how to articulate their value, bridging the language gap and boosting employment opportunities. Support for Military SpousesMilitary spouses often face unique career challenges—frequent relocations, job interruptions, and the need to reinvent themselves. Hire Heroes USA addresses this by fostering a supportive company culture where military spouses receive specialized career services. These programs provide professional development resources, interview preparation, and leadership development opportunities, empowering spouses to pursue stable, fulfilling careers despite geographic changes. Impactful Partnerships with CompaniesThe conversation explores how partnerships with organizations like Walmart Foundation, Boeing, and LinkedIn expand Hire Heroes USA’s reach. These collaborations provide job opportunities, networking connections, and professional development resources for veterans. Ross stresses that volunteers—both veterans and civilian professionals—play a vital role by offering mentorship, mock interviews, and career guidance, helping job seekers strengthen their leadership and communication skills. Virtual Career Fairs: Modern Solutions for Career GrowthAs the workforce evolves, Hire Heroes USA has embraced technology to connect veterans and employers through quarterly virtual career fairs. These events provide continuous professional development opportunities, eliminating geographic barriers and making it easier for veterans to engage with potential employers from anywhere in the country. Leadership Lessons That Shaped Hire Heroes USARoss shares how his leadership style was influenced by former COO Nate Smith, emphasizing the importance of leading by example and maintaining transparency in communication. These leadership development lessons have shaped Hire Heroes USA’s company culture and guide how the organization empowers others to grow in their careers. How to Support Hire Heroes USA’s MissionTom and Jodi highlight multiple ways individuals and companies can support Hire Heroes USA – through donations, volunteering, or creating employment opportunities. Ross encourages listeners to visit the Hire Heroes USA website to explore ongoing programs, professional development initiatives, and ways to get involved. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: In what year was Military Appreciation Month made official, and which US Senator championed that formal designation?●     Answer: John McCain in 1999●     This week’s Military Minute question(s): What year was West Point established? What is the motto for West Point? And which two U.S. Presidents went to West Point?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Lynn Rolfe, the Programs Director at Veterans of Foreign Wars (VFW). Lynn shares the organization's mission of advocating for veterans' rights, supporting their communities, and maintaining national security. The episode delves into the VFW's role in creating educational opportunities for high school students, tackling legislative advocacy in Washington, D.C., combating financial distress among veterans, and the significance of community involvement. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 85 – Veterans Are Getting Cheated But The VFW Is Fighting Back Founded in 1899, the Veterans of Foreign Wars (VFW) has become one of the most influential veteran service organizations in the U.S., dedicated to securing veterans' rights and benefits. Originally created to assist veterans returning from overseas conflicts, its mission has expanded to cover mental health support, legislative advocacy, and resources for military families.Lynn Rolfe’s Military Journey and AdvocacyLynn shares his inspiring path from military service to becoming a third-generation VFW member and national advocate. His personal experiences highlight the challenges of transitioning out of the military and the importance of community support during that time. He also underscores the VFW's commitment to veteran mental health, including efforts to prevent PTSD-related issues and veteran suicide. VFW’s Legislative Efforts &amp; Veteran BenefitsLynn details the VFW’s tireless work in Washington, D.C., advocating for key legislation like the Major Richard Star Act, which seeks to eliminate the offset between military retirement pay and VA disability compensation. This episode also shines a light on the fight against predatory legal practices targeting veterans filing toxic exposure claims—a critical part of ensuring our heroes receive the benefits they’ve earned. Community Support &amp; Military Financial ReadinessBeyond policy, the VFW helps veterans facing financial hardship—offering aid through local posts, financial counseling, and connections to trustworthy services to help veterans claim their benefits. These resources empower veterans to achieve financial stability after service. Innovation Meets ConnectionThe VFW is also adapting to modern times with creative engagement strategies, including online gaming communities that offer digital camaraderie and support. These efforts address mental health for veterans while building new connections beyond traditional post halls. Legacy, Leadership, and Looking AheadAs a third-generation veteran advocate, Lynn reflects on the legacy of military service in his family and how the VFW continues to evolve to meet veterans’ needs. From local outreach to national influence, his story demonstrates how the VFW helps veterans transition successfully into civilian life while preserving the honor of their service. For more information or to get involved, visit www.vfw.orgMilitary MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: What breed of dog worked as scouts and messengers during a US Pacific operation in World War II?●     Answer: Dobermann Pinscher●     This week’s Military Minute question: In what year was Military Appreciation Month made official, and which US Senator championed that formal designation?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi spotlight the life-saving work of K9s for Warriors—the nation’s largest provider of trained service dogs for military veterans. Guests Chris Luna and Wyatt Haynes join to share how the organization pairs veterans coping with PTSD, trauma, and transition with rescue dogs, offering a powerful path to healing, hope, and purpose. The conversation delves into the array of services Vets2Industry provides, including Tune in to discover how Vets to Industry is making a significant impact on the veteran community.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 84 – Healing at Both Ends of the Leash with K9s for WarriorsFounded in 2011 by Sherry Duval after witnessing her son’s struggle with post-traumatic stress disorder following deployment in Iraq, K9s for Warriors has grown from a garage-based operation to four state-of-the-art campuses nationwide. Their mission: end veteran suicide by saving two lives – veteran and rescue dog – at both ends of the leash. Since inception, they've matched over 1,100 veterans with service dogs, and saved more than 2,000 shelter dogs.Veteran Stories of TransformationNavy veteran Chris Luna shares his personal story of transformation through K9s for Warriors. After battling isolation and turning to alcohol to cope, Chris found new life and purpose through his service dog, Astro. He talks about his “wind therapy” motorcycle group of combat veterans, the comprehensive training and pairing process, and the long-term support that helped him recover emotionally, mentally, and physically.Many veterans, like Chris, face not only emotional wounds but also financial uncertainty during transition. That’s why Armed Forces Bank offers dedicated tools for veterans and military families, including military checking and savings accounts, Access Loans for emergency expenses, and VA home loans to help veterans build stability.Training That Saves LivesWyatt Haynes, Chief Business Officer, provides insight into the training process – describing how each dog is uniquely prepared to meet a veteran’s physical and psychological needs. Dogs that don't meet service standards are often repurposed to assist first responders, further demonstrating the organization's impact beyond the veteran community.With a two-year waitlist, the need for trained service dogs continues to grow. Wyatt calls on corporate sponsors, donors, and individuals to join the mission. Their efforts would not be possible without generous partners who understand the importance of supporting veterans through holistic services.Military Career Advice and Financial WisdomIn a powerful closing message, Chris shares advice for young service members and veterans navigating transition:“Use the military as a stepping stone. Invest in your future—whether through education, skill-building, or your Thrift Savings Plan (TSP). Take full advantage of what’s available, because retirement and stability aren’t just dreams—they’re possible if you start early.”This reminder speaks directly to the importance of long-term financial planning. Through tools like the TSP, retirement savings accounts, and guided support from banks that understand the military lifestyle, veterans can set themselves up for a strong future. Armed Forces Bank is proud to assist with military retirement education and financial readiness resources tailored to those who serve.How You Can Help K9s For WarriorsSupporters can get involved by:·      Donating to K9s for Warriors·      Shopping their official swag store·      Volunteering as dog fosterersEvery action contributes to reducing veteran suicide and giving purpose to those who have served.K9s for Warriors exemplifies the healing that comes through connection, compassion, and unwavering support. Their work—and the veterans like Chris who bravely share their stories—reminds us that healing is possible when we invest in both people and partnerships.For more information or to support the mission, visit https://k9sforwarriors.org/Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: In what year was the month of the military child established and by whom?●     Answer: Caspar Weinberger in 1986●     This week’s Military Minute question: What breed of dog worked as scouts and messengers during a US Pacific operation in World War II?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi dive into the inspiring world of veteran support and transition resources with guest Carmen White, Chief Operating Officer of Vets2Industry. This nonprofit is dedicated to helping veterans, military spouses, and caregivers successfully transition into civilian life by providing mentorship programs, scholarship opportunities, and the innovative B2I She Boss program for military spouses and women veterans. Carmen also highlights the importance of networking and the upcoming Vets2Industry events and career-building opportunities. The conversation delves into the array of services Vets2Industry provides, including Tune in to discover how Vets to Industry is making a significant impact on the veteran community.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 83 – Jobless. Confused. Alone. How Vets2Industry Gives Veterans Hope AgainCarmen brings a wealth of insight, drawing from her experience as a commissioned officer in the U.S. Air Force and her career in human resources and workforce development. Now serving as COO of Vets2Industry, she shares how the organization’s mission is to eliminate confusion for transitioning service members by offering free access to curated tools, networks, and support systems.Navigating Military Transition ChallengesThe group explores emotional and logistical challenges of leaving military service. From isolation to uncertainty, the conversation underscores the need for financial readiness, mentorship, and reliable resources when adjusting to civilian life.Innovative Programs and Mentoring VeteransCarmen introduces listeners to the wide range of Vets2Industry initiatives, including the Post mentoring program, which connects veterans and spouses with mentors across industries. She also announces new programs aimed at empowering military spouses, especially those exploring entrepreneurship and career pivots.Military spouses often face financial uncertainty due to frequent moves. That's why having access to flexible banking options—like joint checking accounts and online budgeting tools—can help support long-term financial stability.Empowering Military Members With ResourcesOne of Vets2Industry’s strengths is its commitment to thoroughly vetting the resources it shares. Carmen explains the work behind building a trustworthy, accessible database and previews an AI-powered chatbot designed to help veterans quickly find the information they need.Networking with Companies Hiring MilitaryCarmen shares exciting news about Vets2Industry’s upcoming virtual and in-person networking events, including a first-of-its-kind networking conference hosted at sea. These events are designed to connect veterans, recruiters, and support organizations in meaningful, life-changing ways.A Closing MessageAs the conversation wraps up, Carmen thanks the partners and donors—like Signal Health Group—who make this work possible. She encourages veterans, military spouses, and supporters to get involved, explore mentorships, attend events, and take advantage of the free resources available at https://vets2industry.org/Carmen White’s leadership and passion serve as a reminder that no veteran should transition alone. Through Vets2Industry and the support of mission-driven organizations, military families gain access to the tools, networks, and confidence they need to thrive beyond the uniform.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: What are the three former names of Colorado State University?●     Answer: Colorado Agricultural College, Colorado State College of Agriculture and Mechanic Arts, and Colorado Agricultural and Mechanical College●     This week’s Military Minute question:  In what year was the month of the military child established and by whom?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Jason Stout, founder of Stoutreach. Jason shares his inspiring journey of overcoming personal loss through nature-based experiences and how he created a national wilderness program for grieving and at-risk teens. Learn about Stout's various initiatives that guide youth, military families, and adults toward resilience and personal growth. Discover the impact of the Tragedy Assistance Program for Survivors (TAPS), the benefits of outdoor education, and how Stoutreach is making transformational experiences accessible to more people.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 82 – Healing Through Nature: The Mission Behind StoutreachStoutreach was born from Jason Stout’s personal journey and extensive background in outdoor education. After facing personal tragedies early in life, Jason found solace and purpose in the natural world. His transformative winter leadership expedition became the catalyst for a national wilderness program that now serves youth, families, corporate groups, and military families navigating stress, trauma, and transitions.Healing Through the WildernessJason’s work is rooted in the belief that nature-based experiences can drive emotional healing and build long-term resilience. His programs go beyond outdoor recreation; they’re about fostering mental health and personal transformation. From helping teens build confidence to providing space for military spouses and veterans to process their journeys, Stoutreach emphasizes the healing power of the outdoors.For many military families and service members, engaging in programs like Stoutreach can be a valuable part of the transition to civilian life—a time when both emotional and financial stability are essential.Expanding Impact Amidst ChallengesAlthough Stoutreach is structured as an LLC, it operates with a mission-driven heart. Jason works tirelessly to make these life-changing experiences financially accessible—securing scholarships and even helping families use 529 college savings plans to cover program costs.A Vision for the FutureJason envisions a future where access to nature-based wellness becomes a normal part of health and education—especially within military communities, where resilience and mental health resources are so critical. As Stoutreach expands into more schools and communities, partnerships and funding will remain central to ensuring everyone can benefit from the outdoors, regardless of income or background.For active-duty military families, veterans, and even military children, the benefits of nature-based healing are deeply relevant—and with the support of the right community and financial tools, more people can gain access.A Personal Mission with a Broad ReachJason’s mission is both personal and universal. Through Stoutreach, he has built a supportive, nature-centered community that nurtures growth, resilience, and healing for individuals and families. His passion inspires others to seek renewal in the wilderness and reminds us that healing often begins with connection—to others, to the earth, and to ourselves.For those looking to support the work of Stoutreach or participate in a future program, visit their website: https://www.missionstoutreach.org/ Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: Which President’s son started the American Legion in 1919?●     Answer: Teddy Roosevelt●     This week’s Military Minute question: What are the three former names of Colorado State University?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Jeremy Eheart of the American Legion. They delve into Jeremy's journey from his time in the United States Marine Corps, his life-changing injury, to his dedicated service with the American Legion. Learn about the organization's impactful programs, including mental health initiatives like Be the One, veteran advocacy, and challenges faced by veterans such as homelessness and securing benefits. Jeremy also shares his personal story of finding purpose and camaraderie through the American Legion, along with his efforts to support veterans across the nation.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 81 – How the American Legion Transformed a Veteran’s LifeJeremy EHeart’s journey is one of service, sacrifice, and resilience. A proud Kansan, Jeremy enlisted in the United States Marine Corps shortly after the 9/11 attacks, answering the call to serve his country. In 2004, a life-changing combat injury left him with severe burns and launched a long and difficult recovery. With the unwavering support of his military family and loved ones, Jeremy persevered—ultimately finding new purpose through the American Legion, a pivotal force in veteran support and reintegration.A New Mission After Military ServiceReturning home to Hutchinson, Kansas, Jeremy was initially hesitant to join a veterans service organization. But at the urging of his wife, Kristy, he attended a local American Legion post meeting—and instantly felt a sense of belonging. That moment marked the beginning of his deep involvement in the Legion and renewed commitment to giving back to the military and veteran community.As veterans transition back to civilian life, organizations like the American Legion provide community and purpose, while veteran-focused banks like Armed Forces Bank offer tools to support financial wellness—such as military checking accounts, savings accounts, and personalized guidance for budgeting after service.The American Legion: Championing Veterans and Military FamiliesAs the largest Veteran Service Organization (VSO) in the country, the American Legion boasts approximately 1.6 million members dedicated to supporting those who have served. Their mission spans veteran advocacy, suicide prevention, support for military families, and honoring fallen heroes.Jeremy highlights the Legion’s “Be the One” initiative, a powerful movement aimed at preventing veteran suicide by encouraging open conversations and community support. The Legion also provides access to accredited service officers, who help veterans navigate VA benefits and services—completely free of charge.Whether navigating VA benefits or reestablishing financial independence, many veterans benefit from VA home loans—a powerful way to achieve homeownership with zero down payment options and competitive rates. Banks like Armed Forces Bank, an approved VA lender, work closely with service members and veterans to streamline this process.Veteran Advocacy and Continued ServiceToday, Jeremy continues to serve in a leadership role within the American Legion, using his voice to advocate for critical issues affecting the military and veteran population. He and fellow Legionnaires travel annually to Capitol Hill to push for policy changes around veteran homelessness, mental health resources, and improved benefits.Through his work, Jeremy has found renewed comradery, purpose, and healing—echoing the experiences of countless other veterans who have transitioned from active duty to civilian life with the support of organizations like the Legion.Just as the American Legion advocates for better resources and services, veterans also need financial institutions that understand the military lifestyle. Much like the assistance provided by trusted veteran service organizations, Armed Forces Bank has Access Loans that are designed with veterans in mind, to help cover unexpected expenses - whether it’s for relocation, vehicle repairs, or transitioning needs.How to Get Involved with American LegionFor active-duty service members, veterans, and military spouses considering involvement, Jeremy recommends visiting a local American Legion post to explore programs aligned with personal interests—from youth mentorship and Legion Baseball to mental health initiatives. Civilians are also encouraged to support the mission through volunteer work and donations—because patriotism extends beyond military service.With more than 12,000 American Legion posts nationwide, there are countless ways to connect with the military support network and make a difference.Celebrating 100 Years of American Legion BaseballIn a milestone year, American Legion Baseball marks its 100th anniversary. This long-standing program has shaped the lives of young athletes—including many future MLB players—by promoting teamwork, discipline, and community engagement through sports.Jeremy’s inspiring story demonstrates the lasting power of veteran support systems and the role of military-focused nonprofits in the healing and reintegration process. Through the American Legion, Jeremy has transformed personal adversity into purpose—empowering others and strengthening the veteran community.To learn more about how you can support or join the American Legion’s mission, visit legion.org. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: In what year was the first public mobile phone call?●     Answer: 1973●     This week’s Military Minute question: Which President’s son started the American Legion in 1919?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Rob Bergquist, co-founder and Executive Director of Cell Phones for Soldiers. Rob shares the inspiring journey of how he and his sister Brittany started the nonprofit organization at the ages of 12 and 13 to help military members stay connected with their families. Find out how they’re continuing to innovate and serve the military community through programs like Minutes that Matter, Helping Heroes Home, and future plans, including the launch of their Soldiers Mobile Program.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 80 – How a Teen's Piggy Bank Changed Soldier Communication ForeverIn today's interconnected world, access to communication is a fundamental necessity. Yet, for many of our service members and veterans, this basic need can sometimes be out of reach. This episode brings us an inspiring story of how two young siblings turned a moment of empathy into a transformative movement with their nonprofit organization, Cell Phones for Soldiers. The Mission to Help Soldiers Call Home In 2004, Rob Bergquist and his sister Brittany were just 12 and 13 years old when they felt moved by the plight of a soldier burdened with an $8,000 phone bill upon returning from Iraq. Motivated by a personal connection—two cousins actively serving overseas—the siblings decided to act. What began as a small fundraiser with a modest $21 collected from their classmates blossomed into a nationwide initiative. Encouraged by supportive parents and a local bank that believed in their mission, Rob and Brittany quickly garnered $8,000 to pay off the soldier's debt. Their swift success catapulted them into the national spotlight, forming the foundation of Cell Phones for Soldiers. Expanding to Help More Service Members Initially focused on providing calling cards to service members, Cell Phones for Soldiers has since grown exponentially. Through innovative methods like recycling used cell phones and electronics, the organization has funded over 450 million minutes of free talk time for deployed troops. As technology evolved, so did the nonprofit. With increased connectivity becoming available globally, the demand for calling cards diminished, prompting the Bergquists to adapt their services. In 2012, they expanded their mission by establishing the Helping Heroes Home program, offering emergency assistance grants to veterans in need. More recently, the launch of Cell Phones for Soldiers Mobile furthers their reach, providing free smartphones and a year of service to veterans. This initiative aims to connect 30,000 veterans over the next three years, helping them access vital resources and maintain ties with loved ones during their transition to civilian life. Partnerships and Future Goals of Cell Phones for Soldiers Rob emphasizes the importance of partnerships in the organization’s success. Collaborations with third parties like logistics specialists that help manage the influx of donated phones, help ensure maximum resource efficiency. Additionally, partnering with local organizations and service officer networks allows Cell Phones for Soldiers to target veterans effectively and connect them with the right resources. Looking to the future, Rob is excited about the potential of a Cell Phones for Soldiers mobile app. This app will enhance the service by providing veterans with access to essential local resources at the touch of a button. Rob envisions a robust community of veterans supporting each other, with phone bills potentially contributing to the sustainability of this growing network. Family-Driven Dedication A testament to its widespread success is the unwavering family involvement from day one. Both Brittany and Rob have been pivotal in navigating the nonprofit’s course, celebrating their achievements and learning from challenges. As Rob reflects on his father's recent passing, he finds deep motivation in honoring his dad through ongoing service, emphasizing that every connected veteran is a tribute to his father's legacy. Get Involved with Cell Phones for Soldiers Cell Phones for Soldiers relies on support from individuals and corporations alike. Whether it’s donating an old phone, becoming a drop-off location, or fostering corporate partnerships for device turnover, every contribution makes a significant impact. As Rob often advises aspiring non-profiters, the key to their enduring success lies in staying focused on the mission while being willing to innovate and adapt. Rob and his family continue to inspire with their commitment to bridging gaps in communication for those who serve. With over two decades of service, Cell Phones for Soldiers stands as a beacon of support for veterans seeking to stay connected with those who matter most. As technology advances, so too will the creative solutions and profound impact of this family-run organization, ensuring that no veteran is ever left without a lifeline. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute:o     Which musical group sings the song Step by Step?o     Which musical group sings the song Gimme Three Steps?o     Which musical artist sings the song 1, 2 Step?●     Answer: NSYNC, ZZ Top, and Ciara●     This week’s Military Minute question: In what year was the first public mobile phone call?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Tony Teravainen, CEO and co-founder of Support the Enlisted Project (STEP), to discuss the crucial work being done to assist young military families and transitioning veterans. Tony shares his extensive background and the journey of STEP since its inception in 2012, highlighting its mission to create financial wellness through counseling, education, and financial support.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 79 – Taking the First ‘STEP’ to Financial Independence Support the Enlisted Project (STEP) is a beacon of hope for military families across the United States. The organization was born out of the recognition that many existing services were merely helping military families survive rather than thrive. From its inception in 2012, STEP sought to fill this gap by focusing on financial wellness, using financial counseling as a tool to empower families to make their financial crises their last. Tony and his team emphasize behavioral change as the key to sustainable financial independence. Innovative Programs and Results At the heart of STEP's success is its robust Emergency Financial Assistance Program (EFA), which boasts a 90% effectiveness rate. This program goes beyond merely providing financial aid; it focuses on changing financial behaviors through intensive counseling, allowing families to turn their crises into pivotal moments of change. Each program is tailored specifically to the needs and histories of the families involved, ensuring personalized support that addresses unique challenges faced by military communities. Not only does STEP help families avoid evictions or maintain utilities, but it also restores hope and instills a sense of possibility for a better future. The focus is on teaching financial independence and resolving behavioral roadblocks to achieve healthier financial habits. Building a Supportive Community STEP's reach and effectiveness have been made possible by building a community of support from various. stakeholders. Through impressive partnerships with community organizations, corporations, and individual volunteers, STEP has been able to expand its programs and impact. Programs like the Back-to-School and holiday drives serve as entry points for community engagement, allowing STEP to connect with more military families and spread its message of empowerment and financial literacy The Impact of Leadership A defining feature of STEP's success is its dynamic leadership. Tony Teravainen shares insights into his strategic, process-oriented approach, intertwining it with his personal experiences as a child of a military family himself. His leadership style emphasizes facilitating his team's success, fostering a culture of respect and support that extends outward to the families STEP serves. This culture not only strengthens the organization internally but also builds trust externally, making families feel valued and supported. Future Plans and How to Help Looking ahead, STEP aims to expand nationally, scaling its services to address financial wellness challenges across the United States. Their Vision 2032 outlines this ambitious expansion, aiming to offer their unique services to more military communities, including those geographically isolated. Interested individuals and organizations can get involved in STEP's mission by visiting their website at teamstepusa.org. There, supporters can learn more about volunteer opportunities, donate, and help spread awareness of STEP's mission. Businesses and individuals alike are invited to explore ways to collaborate and lend their support to this impactful cause.  With a focus on behavioral change and financial education, STEP continues to lead the way in creating lasting solutions for families in financial crises. Through community involvement and strategic leadership, STEP is poised to make an even greater national impact, ensuring that military families receive the support they need to succeed and thrive long-term. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: What is the average number of troops deployed at any given time?●     Answer: 150,000●     This week’s Military Minute question: o     Which musical group sings the song Step by Step? o      Which musical group sings the song Gimme Three Steps? o      Which musical artist sings the song One, Two, Step?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi talk with Katy Saunders, Program Director at HeroBox. Together they delve into HeroBox's mission to provide personalized care packages to deployed service members, their Hero Day events, and how individuals and organizations can support deployed military members.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 78 – Supporting Deployed Service Members with HeroBoxIn a world where everyday challenges often obscure the sacrifices made by our service members, HeroBox emerges as a beacon of support and gratitude for those deployed overseas. HeroBox was founded with a mission to provide personalized care packages to deployed service members, bridging the gap between home and the frontlines. The initiative began when its founder noticed that a loved one, while deployed, needed a more tailored care package. Today, HeroBox has grown to support nearly a million deployed service members with the help of over 20,000 registered sponsors and countless Hero Day events. The Power of Personalization for Service Members A key element that sets HeroBox apart from other care package organizations is its emphasis on personalization. As described by Katy Saunders, donors can directly communicate with service members, ensuring that they receive items that cater to their specific needs and desires. Whether it's a request for gloves in cold regions or a servicemember’s favorite snacks, the personal touch can transform a care package from being merely a box of goods to a heartfelt reminder of home and support. Hero Day Events: Building Community Ties to Support the Troops Hero Day events are one of Katy's favorite aspects of her role, as they foster both community involvement and support for the troops. Corporations, businesses, and even classrooms can organize Hero Days to pack and send personalized care packages. The events act as team-building exercises while serving as meaningful contributors to HeroBox's mission. Spreading the Word and Growing the Impact Although HeroBox is relatively small, its impact is significant, thanks in part to word-of-mouth and community engagement. The team is dedicated to ensuring that every service member feels the appreciation and support of those at home. With plans to expand into supporting homeless veterans, HeroBox is poised to continue its mission of service and care. How You Can Help Deployed Military Members Katy shared that individuals and companies interested in supporting HeroBox can visit their user-friendly website (herobox.org) to get involved. Whether through financial donations or by organizing Hero Day events, every contribution helps extend their reach. The website provides various donation options, including sponsoring individual care packages or supplying essential items for multiple troops. HeroBox stands as a testament to the impact a small, dedicated organization can have on the lives of our military personnel. By offering personalized, thoughtful support and fostering community involvement, HeroBox not only empowers service members but also strengthens the very fabric of the communities that support them. As listeners and readers rally around this cause, HeroBox continues to fulfill its promise to those who serve selflessly and bravely. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: Jack was a student athlete at what university and in what sport did he participate?●     Answer: Marist University and Track and Field.●     This week’s Military Minute question: What is the average number of troops deployed at any given time?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi have a heartfelt conversation with Jack Oehm, a retired FDNY Battalion Commander and current board member of the Tunnel to Towers Foundation. This episode dives into Jack's contributions to the Tunnel to Towers Foundation, its mission, and the impactful work being done, such as building smart homes for injured veterans and supporting the families of fallen first responders and Gold Star Families.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 77 – The Astonishing Legacy of a 9/11 Firefighter and the Tunnel to Towers Foundation The episode kicks off with a discussion about the Tunnel to Towers Foundation's beginnings, closely tied to the events of September 11, 2001. Jack Oehm shares the harrowing yet inspiring story of firefighter Stephen Siller, who on that fateful day ran nearly two miles through the Brooklyn Battery Tunnel to the Twin Towers with 60 pounds of gear on his back. Though Stephen lost his life in his heroic efforts, his legacy lives on through Tunnel to Towers. The Foundation was established by his family to honor not only him but all the victims of 9/11 and the brave souls who came to their aid. Honoring Their Sacrifice Jack paints a vivid picture of the Foundation's evolution from its grassroots beginnings, reflecting on its commitment to supporting communities affected by 9/11 and subsequent tragedies. One significant turning point was the decision to build the first "smart home" for quadruple amputee and fellow Staten Islander, Brendan Marrocco. This initiative was the start of a larger program that has since provided more than 200 smart homes to severely injured veterans. Building Smart Homes and More The creation of smart homes is just one facet of the Foundation's impactful work. These homes are designed to adapt to the needs of their occupants, offering a level of independence that many lost in service to their country. In 2023 alone, the Foundation plans to build 60 more smart homes, demonstrating a commitment to expanding their support. Paying Off Mortgages for Fallen Heroes Jack also discusses other pivotal programs such as their efforts to pay off mortgages for families of fallen first responders and Gold Star families. This support extends a lifeline to those who have lost loved ones in the line of duty, ensuring they have one less burden to bear during their time of grief. Helping Tunnel to Towers Foundation Throughout the podcast, the hosts and Jack emphasize how listeners can contribute, whether through participating in various fundraising events like golf outings and 5K runs or by donating directly to the Foundation. One of the most accessible ways to support is their $11 a month donation initiative, which significantly aids in continuing the Foundation's vital work. Looking Forward: A Commitment to Never Forget As the conversation winds down, Jack highlights the Foundation's latest ambitious endeavor: a program aimed at eradicating homelessness among veterans. It's a testament to their evolving mission, ensuring no veteran is left without a roof over their head. For those who wish to engage further, visit t2t.org to explore opportunities and extend your support to the Tunnel to Towers Foundation and their mission. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: In what year did Excelsior College change to Excelsior University? And what does Excelsior mean in Latin?●     Answer: Excelsior College changed to Excelsior University in 2022, and Excelsior in Latin means ever upwards.●     This week’s Military Minute question: Jack was a student athlete at what university and in what sport did he participate?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Dr. David Schejbal, President of Excelsior University. This episode unpacks Excelsior's profound commitment to serving military students and the unique support systems they have in place. Whether you're a prospective student, a veteran, or simply interested in higher education, this post will provides an overview of what makes Excelsior University a standout institution.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 76 – Bridging the Gap for Military Students: A Look at Excelsior University's Commitment Jodi opens the conversation by highlighting Dr. Schejbal's journey and the vision he brings to Excelsior University. Founded in 1971, Excelsior University has always been at the forefront of serving adult and non-traditional students, with a significant focus on military personnel. Over 40% of their students come from military backgrounds, either active or veterans, making it clear why this institution is truly committed to playing a supportive role in their lives. A Tailored Approach to Military Education Dr. Schejbal shares the nuances that make Excelsior different, particularly when serving military students. Recognizing the dynamic and often unpredictable nature of military life, Excelsior offers robust online programs, allowing students the flexibility to study from anywhere in the world. Faculty members understand the unique circumstances of military deployments and adapt deadlines accordingly, providing the necessary support that aligns with students' lifestyles. The Military-Friendly Admissions Process Excelsior University's admissions process is designed to be seamless for military students. By transferring military credits and recognizing prior learning, Excelsior eases the path to achieving a degree. Dedicated advisors work closely with students to plan their educational journey effectively, accommodating their responsibilities, whether it involves balancing family, work, or both. Innovative Programs and Collaborations Excelsior is home to the prestigious National Cybersecurity Institute, an initiative started in 2019 aimed at educating and engaging with industry partners on ever-evolving cybersecurity challenges. It's an area of study that holds significant importance for many military and veteran students, providing them with practical skills that enhance their capabilities in both civilian and military environments. Community and Support Systems The conversation also highlights the excelling support structure at Excelsior, specifically the establishment of the Colonel Bryant A. Murray Veteran Center. This center is a testament to Excelsior's dedication to providing comprehensive support, from career counseling and job-related training to financial aid guidance and health and wellness resources. Partnerships and Philanthropy: Strengthening Connections Excelsior University's connections extend beyond academia, fostering partnerships with organizations across various sectors. Their Strategic Partnerships and Alliances unit ensures that both military bases and industry partners can collaborate effectively, benefiting students through scholarships, discounts, and access to necessary resources. Personal Stories and Testimonials This episode also explores personal anecdotes and testimonials from students who have walked the Excelsior path. The praises and gratitude expressed reinforce the university's commitment to flexibility and accommodation, which countless military families find invaluable as they navigate their educational pursuits. Looking Ahead As the episode wraps up, Dr. Schejbal candidly discusses his dynamic role and what it takes to keep Excelsior's mission thriving. He emphasizes the importance of staying adaptable and proactive in a rapidly changing educational landscape. Excelsior University's dedication to the military community remains steadfast, providing opportunities and support that honor their service and facilitate their educational success. Excelsior University continues to set a benchmark in making education accessible and accommodating for military students and veterans. Learn more by visiting Excelsior University and discover how you or someone you know might benefit from their programs and initiatives. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: According to the Rolling Stone Magazine, who is the best stand up comedian of all time?●     Answer: Richard Pryor●     This week’s Military Minute question: In what year did Excelsior College change to Excelsior University? And what does Excelsior mean in Latin?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Major Terrell Murdoch, Army Banking Officer at U.S. Army Financial Management Command. The episode delves into Major Murdoch's background, his path into the military, his significant deployments, and the invaluable insights gained from the Training with Industry (TWI) program. Additionally, Major Murdoch shares his motivation, personal goals, and advice for those considering a career in the military.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 75 – Exploring Careers in Military Banking with Major Terrell Murdock The episode kicks off with an engaging introduction to Major Murdock's professional journey. Born in New Orleans, Louisiana, Major Murdock graduated from Northwestern State University of Louisiana with a degree in finance and later transitioned from the armor branch to the finance branch. Reflecting on Military Service and Career Progression Major Murdock’s military career includes serving as a platoon leader in Afghanistan, attending various military courses, and leading significant finance operations. Together, the group dives deep into his journey, unveiling his motivations, the significance of his promotions, and his aspirations to become a certified financial advisor. Diving Deep into the Training with Industry Program A focal point of the conversation is the Training with Industry Program, where Major Murdock shares his personal experience and the program's impact on his career. The initiative is designed to bridge the gap between military dispersing and civilian banking. It equips officers with critical banking knowledge essential for supporting combat operations worldwide. The discussion also touches on the Short Course extension of the program. This version includes participation from active duty, National Guard, and Reserve components. Major Murdock emphasizes the significance of this initiative in expanding military personnel's banking knowledge. Military Leadership and Aspiring Soldiers Tom and Jodi explore what drives Major Murdock daily. His responses echo his commitment to his family and making a lasting impact through financial education. He passionately shares his vision of generational improvement and financial stability as his life's purpose. The episode presents valuable guidance for young individuals considering military service. Major Murdock highlights the unique opportunities for growth and achievement within the Army, offering insights for both short-term and long-term ambitions. A Glimpse into the Future As his current role nears conclusion, Major Murdock's aspirations focus on certifications to further his professional path. He discusses the legacy he wishes to leave behind: a commitment to support, solutions, and continuous improvement. Major Murdock shares a personal philosophy: always striving to find a path to "yes." His journey reflects resilience and determination, poised to inspire listeners. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: According to the Rolling Stone Magazine, who is the best stand up comedian of all time?●     Answer: Richard Pryor●     This week’s Military Minute question: What is the name of the famous tune written by Albert Von Tilzer?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Ashley Gutermuth—military spouse, stand-up comedian, and podcast host. Known for her witty perspective and observations on life as a military spouse and relationships, Ashley discusses her unique journey, comedic inspirations, and her passion for advocating for military spouses.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 74 – How to Find Humor in Military Life (Even When It’s Tough) with Ashley Gutermuth Ashley Gutermuth isn't just a stand-up comedian; she's a world traveler with performances spanning the globe—Japan, the UK, Germany, and even Greenland. Her award-winning show, "Ashley Gutermuth is Hard to Pronounce," has captivated audiences everywhere. Despite her extensive travel schedule, she now aims to focus on more localized performances, staying closer to her new home in New York City. Finding Humor in Everyday Challenges Jodi and Tom commend Ashley for her ability to find humor in the everyday challenges of military life. Ashley shares her experiences moving frequently and the comedic potential in the unexpected events faced by military families. From running daily for nearly ten years, experiencing PCS moves, to humorous interactions at military events, her life is full of stories that resonate with many who have lived the military lifestyle. Inspirational Advocacy and Giving Back Beyond comedy, Ashley is committed to advocacy work for military spouses, addressing issues like unemployment and food insecurity. Her passion for helping others is evident in her involvement with initiatives like Stronghold Food Pantry, where she delivers gift cards and support to military families globally. Advice for Aspiring Comedians Throughout the episode, Ashley shares insights for those interested in pursuing a career in comedy. She emphasizes the importance of resilience, advising aspiring comedians to put themselves out there, whether it's through open mic nights or social media, and to embrace failure as part of the journey. Her candid approach to comedy and life is both refreshing and motivating. A Session Filled with Laughter The podcast episode isn't all earnest discussion. Tom, Jodi, and Ashley share lighthearted moments, reminiscing about favorite sitcom episodes and joking about everyday life scenarios. Ashley's quick wit and genuine personality shine through, leaving listeners entertained and inspired. Ashley hopes that her performances leave audiences feeling uplifted and connected. She invites those interested in following her journey or booking her for events to visit her website, AshleyGutermuth.com. Her laughter-filled perspective on life highlights the power of humor in overcoming life's challenges, particularly within the military community. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: Who is the French artist famous for his water lilies paintings?●     Answer: Claude Monet●     This week’s Military Minute question: According to the Rolling Stone Magazine, who is the best stand up comedian of all time?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with retired Major General Steven J. Lepper to discuss his impressive military career, his role as AMBA CEO, and his dedication to financial literacy and support for veterans. Steve shares his insights on the Veterans Benefits Banking Program, advice on financial planning for military families, and his continued efforts to support military communities.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 73 – Financial Strategies for Active Duty and Veterans from Ret'd Maj Gen Steven J. Lepper Maj Gen Lepper's accomplishments are vast and varied. After 35 years in the Air Force as a judge advocate, culminating as the deputy judge advocate general, Steven Lepper transitioned to a role as CEO of the Association of Military Banks of America (AMBA). In this episode, Lepper reflects on his career and the significant milestones that defined his path. Born into an Air Force family, Maj Gen Lepper and his brother followed in their father's footsteps, each carving out impressive careers in service to their country. This deep-seated family tradition was rooted in military life, offering Steven a broad perspective and inspiring his daughters, with the eldest pursuing her own military career. The Importance of Financial Legacy and Planning Based on his early education at the Air Force Academy, Steven stressed the need for a solid savings strategy and an understanding of investments. He encouraged young service members to save diligently and make smart financial decisions, underscoring the importance of the Thrift Savings Plan and the benefits of military service. Throughout the discussion, Steven highlighted the necessity of estate planning, advising service members to secure a will and trust to safeguard their families' futures. His advice provides invaluable insights for both active service members and veterans alike. Veterans Benefits Banking Program: Providing Essential Support One of Steven’s proudest achievements during his tenure at AMBA was the establishment of the Veterans Benefits Banking Program (VBBP). This program is a testament to his commitment to enhancing the financial well-being of veterans. By addressing the challenges faced by veterans without bank accounts, the VBBP offers vital financial services and counseling, reducing the reliance on costly paper checks or prepaid cards. This initiative demonstrates his proactive approach to helping veterans access secure banking solutions, ultimately fostering financial stability and reducing susceptibility to fraud. Fraud Prevention: Protecting Vulnerable Populations In discussing the prevalent issue of fraud, Steven provided practical advice to protect against scams, emphasizing the importance of vigilance and daily monitoring of financial accounts. His personal experiences with fraud in AMBA accounts illustrate the necessity of awareness and prompt action when unauthorized transactions occur. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is the name of John's book?●     Answer: Surrender or Die!: Reflections of a Combat Leader●     This week’s Military Minute question: Who is the French artist famous for his water lilies paintings?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with John Wayne Troxell, a retired Command Sergeant Major who served for 38 years, including as the Senior Enlisted Advisor to the Chairman of the Joint Chiefs of Staff. John shares his experiences from various combat tours, his philosophy on physical and mental readiness, and offers valuable advice for those looking to join the military or start a business.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 72 – How to Turn Military Discipline into Business Success: John Wayne Troxell’s Guide John Wayne Troxell joined the military at the age of 18, driven by the transformation he saw in peers who had served. His journey is marked by pivotal roles and responsibilities, including five combat tours. From participating in Operation Just Cause to witnessing the changing tides of Operation Desert Storm, Troxell’s contributions have left an indelible mark on military history. Military Leadership in Action Throughout the episode, John shared invaluable advice for those considering a career in the military. He emphasized the need for commitment, personal growth, and the importance of setting and pursuing lofty goals. He highlighted the unique opportunities the military provides, encouraging newcomers to seize the chance to develop both personally and professionally. Facing Challenges with Resolve John’s narrative isn’t without its challenges. His tenure as SEAC was marked by a controversial suspension, stemming from his motivational approach in rallying troops. Despite the controversies, he remained resolute, advocating for what he believed was necessary to inspire and prepare the troops for combat. His book, “Surrender or Die: Reflections of a Combat Leader,” delves deeper into these experiences, offering a candid reflection on leadership and adversity. Life After Military Service Post-retirement, John continues to embody the spirit of service. As a motivational speaker, consultant, and business owner, he remains fully committed to supporting current service members and veterans. His ventures, including PME Hard Consulting and E Tool Nation, aim to give back to the community he cherishes. His dedication extends to his family, as he works to create a thriving future for his children and grandchildren. Advice for Aspiring Business Owners Troxell’s transition from military leader to entrepreneur comes with its insights. He stresses the importance of thorough research, understanding the competition, and maintaining integrity in business practices. Success, he believes, comes from supporting employees, meeting obligations, and ensuring the financial health of the business before personal gain. John Wayne Troxell exemplifies what it means to serve both in uniform and as a civilian. His journey is one of inspiration, marked by dedication, resilience, and an unwavering commitment to excellence. As his story continues beyond the pages of his book, it serves as a guiding light for those in military and civilian life alike, offering a blueprint for leadership and growth that transcends the battlefield. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: How many people join the army in the first year after 9/11?●     Answer:  181,510●     This week’s Military Minute question: What is the name of John's book?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

In this episode of “Militarily Speaking,” Tom and Jodi sit down with Jenni Reed, Vice President and Manager of the Recruit Department at Armed Forces Bank, to dive into the pivotal role of financial education for military recruits. They cover valuable tips for young recruits starting their military careers to jumpstart your financial empowerment, and the unique services provided by Armed Forces Bank to support military personnel. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes military community who they are. We — with guests like you — will help the military community not only navigate their finances but also military life. We chat about both good and bad financial practices and provide some insight along the way. We’ll share strategies to help people get ahead, discuss military benefits that members should take advantage of, and more – all working towards the goal of helping people become more financially independent. On the show, we’ll also preview and talk about how to take advantage of military specific services, such as loans and mortgages, and help members prepare for important milestones such as PCS moves and the transition to civilian life. Finally, at the end of every episode, we have a bit of fun with our Military Minute. That guessing-game segment features military history, hobbies, a bit of pop culture. Correct guesses by listeners could result in a donation to charity of individual’s choice.

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Bonnie Wallace, Senior Vice President at Wells Fargo Foundation. Bonnie dives deep into her role leading financial health philanthropy and community impact, outlines the Foundation's major focus areas, such as financial health, housing affordability, small business growth, and sustainability. Bonnie also shares invaluable insights on the impactful programs aimed at veterans, military families, and women entrepreneurs.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 70 – How the Wells Fargo Foundation Supports Financial Health and Community GrowthThe episode begins with a warm introduction of Bonnie Wallace, a leading figure in financial health philanthropy within one of the U.S.'s largest corporate foundations. She explains the historical significance of Wells Fargo, tracing its roots back to 1852.Bonnie emphasizes the foundation's commitment to supporting military veterans and their families, highlighting its intrinsic corporate relationship to Wells Fargo's success. The foundation's funding, sourced from Wells Fargo's revenues, focuses on making strategic impacts in financial health, small business growth, housing access, affordability, and climate sustainability.Prioritizing Financial Health and MoreThroughout the episode, Bonnie details how the foundation selects its focal areas. The goal is to address widespread challenges by centralizing resources on societal issues where Wells Fargo can make the greatest impact. The foundation's focus includes supporting access to affordable housing, fostering small business growth in underserved communities, improving financial health, and championing sustainability initiatives.Housing access, for instance, is a critical area, as many cities cite affordable housing as their primary challenge. Similarly, the foundation aims to bridge gaps in capital access for historically marginalized communities in small business sectors, an essential step for financial inclusion and economic empowerment.Defining Financial HealthOne of the standout segments centers on defining financial health. Bonnie differentiates financial health from mere financial literacy or capability, describing it as the convergence of knowledge, access, resources, and the ability to plan for the future. True financial health means having the security to withstand economic shocks and plan for long-term goals, ultimately granting individuals freedom of choice.Supporting Women EntrepreneursBonnie also highlights the Wells Fargo Foundation's commitment to supporting women in entrepreneurship. She cites the Connect to More program that provides women entrepreneurs with mentorship and resources to grow their businesses. Such efforts underscore the foundation's dedication to fostering small business leadership among women, including military spouses who face unique challenges due to frequent relocations.VetCents and the Veterans Benefits Banking ProgramThe discussion touches on the success of the Veterans Benefits Banking Program, an initiative to ensure veterans have access to safe, affordable banking services. This collaborative effort has significantly increased the number of veterans with bank accounts, thereby securing their benefits and enhancing their financial well-being.A Deliberate Mission in PhilanthropyReflecting on her journey, Bonnie shares how her transition from revenue-focused roles to philanthropy was a deliberate choice driven by her desire to make a meaningful impact. Her passion for building community resilience through financial empowerment is evident in every initiative discussed.Wells Fargo is committed to providing support for service members and their families.The Wells Fargo Foundation plays a pivotal role in supporting communities at multiple levels. Whether through advancing financial health, empowering small businesses, or fostering sustainable initiatives, the foundation continues to underscore its commitment to impactful community giving. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is John Denver’s original last name?●     Answer: Deutschendorf●     This week’s Military Minute question: What are the names of the two founders, and in what year was Wells Fargo founded? And what is the enduring symbol for Wells Fargo?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Chris Joyce, a Marine Corps veteran and the Program Director for Huts for Vets, a nonprofit organization offering therapeutic wilderness experiences for veterans. He shares his personal journey, the impactful programs, and how Huts for Vets supports veterans in transitioning to civilian life, and highlights the unique healing journey that veterans undergo in nature.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 69 – The Wilderness Retreat Changing Veterans' Lives ForeverFounded in 2013 by journalist Paul Anderson, Huts for Vets provides U.S. veterans and active-duty service members with therapeutic experiences at no cost. Based in Aspen, Colorado, the organization uses the wilderness to help veterans adjust to civilian life by equipping them with tools to enhance their mental, physical, spiritual, and emotional health.The Healing Power of WildernessChris Joyce elaborates on how Huts for Vets centers its program around the natural beauty of the White River National Forest. Participants engage in a five-day program, three of which are spent in the backcountry using the 10th Mountain Division Hut Association huts. These retreats offer veterans a chance to disconnect from their daily stresses and reconnect with nature, aiding in holistic healing.The program features a curriculum of readings relating to nature and service, fostering group discussions that allow veterans to dive into deep conversation. Complementing these discussions are yoga, qigong, nutritious meals, and structured solo time for introspection and relaxation.Building a Community for Military MembersHuts for Vets serves a unique blend of veterans, offering trips specifically tailored for men, women, and coed groups. Typically, each trip hosts 10-12 participants, a size optimal for fostering open dialogue and camaraderie. The organization also includes a mental health professional as part of the trip staff, providing additional support as needed.Overwhelming Support and Growing DemandThe nonprofit heavily relies on sponsorships and donations from partners and sponsors. With a growing number of veterans expressing interest in their programs, Huts for Vets hosts around six trips yearly during the summer months but faces more applicants than they can accommodate, highlighting the increasing demand for such valuable programs.Veterans Overcoming ObstaclesParticipants like "Justin," an Army veteran who overcame devastating injuries to regain basic skills, embody the transformative impact of Huts for Vets programs. His story of perseverance, courage, and resilience resonates with the mission to provide veterans with a renewed sense of purpose and community.Expanding Opportunities for VeteransLooking ahead, Huts for Vets aims to integrate family units into their programs, recognizing the dynamic challenges that military life poses to families. By expanding their offerings to include spouses, the organization hopes to strengthen family bonds and promote healing together.As an organization dedicated to the well-being of veterans, Huts for Vets stands as a beacon of healing and hope, leveraging the unique, restorative power of nature. For veterans interested in participating, and for potential sponsors looking to contribute, more information is available at hutsforvets.org. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is the percentage of clients who come for a first session that return for further treatment?●     Answer: 97%●     This week’s Military Minute question: What is John Denver’s original last name?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Dan Kaepernik, CEO of The Headstrong Project, a nonprofit that offers free, confidential mental health care to veterans. Learn about the Headstrong Project's mission to help veterans overcome trauma, its unique approach with speed to care, and the impressive results they've achieved. Dan also shares insights on mental health challenges within the military community, the importance of cultural competence among therapists, and strategies to support veterans and their families.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 68 –Transforming Mental Health Care for Veterans with The Headstrong ProjectIn today's world, the importance of mental health care cannot be overstated. For veterans, access to effective and timely mental health services can be a critical component of their reintegration into civilian life. The Headstrong Project is at the forefront of this movement, providing veterans with the resources and support they need to tackle mental health challenges head-on.A Revolution in Mental Health CareThe Headstrong Project was founded with a clear mission: to heal the hidden wounds of war. This incredible initiative offers comprehensive mental health care, specifically tailored to the needs of veterans. By focusing on treating post-traumatic stress disorder (PTSD) and related conditions, the organization helps veterans regain control of their lives.Accessible and ConfidentialOne of the great strengths of the Headstrong Project is its emphasis on accessibility. The organization knows that many veterans face obstacles when seeking mental health care, ranging from stigma to logistical challenges. In response, Headstrong has simplified the process for veterans to get the help they need without the red tape. Importantly, the services offered are completely confidential, allowing veterans to engage with therapy without fear of judgment or breach of privacy.Cutting-Edge ApproachesThe mental health landscape is constantly evolving, and the Headstrong Project stays on the cutting edge by collaborating with some of the nation’s top clinicians. Utilizing evidence-based treatments, the organization provides therapy options that have been shown to produce significant, positive outcomes. This dedication to using proven methods ensures that veterans receive the highest quality care.A Community Dedicated to WellnessBeyond individual therapy, Headstrong fosters a community of support. By connecting veterans with a network that understands their unique experiences, Headstrong creates an environment of empathy and empowerment. This community-driven approach is crucial in helping veterans feel supported as they navigate their paths to recovery.The work being done by the Headstrong Project is truly transformative. By providing veterans with the mental health resources they need, this organization is not just changing lives—it's saving them. We encourage anyone interested in learning more or supporting this vital cause to visit their website and become part of the solution for America's veterans.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is the name of the university and the mascot for the university where court graduated with a bachelor in science?●     Answer: Virginia Tech Hokies●     This week’s Military Minute question: What is the percentage of clients who come for a first session that return for further treatment?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Court Ogilvie, the Chief Operating Officer of the National Military Family Association (NMFA) to explore the organization’s advocacy for military families, spouse employment programs, and the impact of Operation Purple Camp.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 67 – The Unexpected Way Military Kids Are Leading Change with NMFAThe National Military Family Association, established in 1969, stands as the voice for military families, working tirelessly to enhance their quality of life. With roots in advocacy, NMFA was founded by military spouses who were determined to address inequities affecting widowed military families during the Vietnam War. Today, their mission has expanded to include various programs that support military spouses, children, and the overall well-being of military families.Programs For Military Families That Make a DifferenceDuring the episode, Court speaks passionately about NMFA’s various initiatives:Spouse Scholarships and Employment Support: NMFA provides scholarships designed to help military spouses further their careers, acquire certifications, and gain clinical practice. As military spouses face an unemployment rate of 21%, Court emphasizes the importance of creating employment opportunities and addressing underemployment.Operation Purple Camps: These week-long sleepaway camps offer military children a chance to connect, share experiences, and enjoy a much-needed break from the responsibilities they often undertake due to a parent’s deployment. The camps also provide a supportive community for parents.Holistic Support for Families: NMFA takes a comprehensive approach by addressing diverse needs such as childcare, financial security, and education. They aim to fill the programming gaps and provide continuous support throughout the military life journey.Challenges Facing Military FamiliesCourt highlights key challenges currently facing military families:Teen Well-being: With nearly 50% of military teens experiencing struggles, NMFA is committed to addressing mental health and support needs.Financial Security: Advocating for policy changes like pay raises and full base housing allowances are essential measures, according to NMFA.Food Insecurity: As Court emphasizes, the issue of food insecurity ties deeply into financial challenges, underscoring the interconnectedness of these issues.Why NMFA’s Mission MattersThroughout the conversation, the importance of military community and advocacy remains a central theme. Court’s personal stories—from military camps to his own experiences as a military kid—reveal the indelible impact NMFA has on fortifying the lives of those who serve. With a focus on collaboration and empowerment, NMFA is dedicated to making a tangible difference in the lives of military families.Listeners can learn more by visiting NMFA’s website at militaryfamily.org to learn more, support, or engage with the organization. As Court aptly puts it, "Together we're stronger." This episode serves as a powerful reminder of the resilience and unity that define military families and the organizations that support them.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: In what year did the military ball originate?●     Answer: 1895●     This week’s Military Minute question: What is the name of the university and the mascot for the university where court graduated with a bachelor in science?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Yvonne Coombes, CEO, and co-founder of Operation Deploy Your Dress (ODYD), to discover the inspiring journey of how a simple dress swap at Fort Bliss turned into a national movement providing over 25,000 free formal gowns to military families. Learn about their 15th store opening at Fort Leavenworth, overcoming challenges of lacking permanent locations, and the dedication of volunteers. Yvonne shares insights on the role of community support, and the morale-boosting impact on military families.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 66 – How Operation Deploy Your Dress is Changing Military LifeThe seeds of Operation Deploy Your Dress were sown in December 2015 at Fort Bliss, Texas. What began as a casual conversation among military spouses quickly evolved into a transformative project. Initially planned as a two-day dress swap for unit spouses attending military balls, the initiative gathered unexpected momentum. The community's overwhelming support exceeded expectations, with a modest goal of 200 dresses rapidly expanding to a staggering 3,000.Yvonne recalls the serendipitous moment when the Garrison Commander offered a vacated gift shop as a space to house the growing collection of dresses. This pivotal moment set the foundation for what would become a global movement, highlighting the community's eagerness to support military families.Beyond Dresses: Building Military Community and SkillsOperation Deploy Your Dress is more than just about dresses; it’s about fostering military community and empowerment. From its inception, ODYD has worked to eliminate the stigma of receiving a free dress. The organization prides itself on inclusivity, offering formal attire to everyone from E1 spouses to four-star general spouses, with no rank restrictions.Moreover, ODYD provides military spouses with invaluable skills through volunteering. Running a dress shop demands inventory management, team leadership, and organizational skills, all of which are transferable to other professional opportunities. Many volunteers have leveraged their experience to secure employment, demonstrating the initiative's broader impact beyond the distribution of dresses.Military Installation Locations and ExpansionAs ODYD expands its reach, it navigates various challenges, from securing financial resources to navigating compliance in multiple states. Despite these hurdles, the organization perseveres, continually seeking new partners and exploring prospects to extend their support to additional military installations, including those of the Air Force, Navy, and Marine Corps.The joy of witnessing lives transform keeps the ODYD team motivated. Yvonne shares a touching story of a new military spouse who, unable to afford a dress, stumbled upon an ODYD event and found a gown. The experience was a turning point, fostering connections and a sense of belonging within the military community.Looking AheadWith eyes set on future expansions, Yvonne remains tight-lipped about potential new sites (much to Tom's curiosity). However, the call for support is clear. The organization continuously invites more people to join the mission, whether through financial contributions, volunteering, or simply spreading the word.Do you have formal wear hanging in your closet, just waiting for a second life? Consider donating to Operation Deploy Your Dress! Visit their website at OperationDeployYourDress.org to learn how you can contribute, either by sending dresses directly or by getting involved in other meaningful ways.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is the name of the structure that was built in the Pennsylvania field to commemorate the passengers on Flight 93?●     Answer: Tower of Voices●     This week’s Military Minute question: In what year did the military ball originate?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Brigadier General, USA Retired, Tom Landwermeyer, the President and CEO of Homes For Our Troops (HFOT). This nonprofit organization has the noble mission of building specially adapted custom homes for the most severely injured post-9/11 veterans, helping them to rebuild their lives. As HFOT celebrates its 20th anniversary and its 400th home milestone, Tom shares insights into the organization's journey and aspirations.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 65 – Celebrating 20 Years and 400 Homes: CEO of Homes For Our Troops Tom LandwermeyerHomes For Our Troops has been fulfilling its mission since 2004. HFOT doesn’t merely provide houses—each home is specially adapted to meet the individual needs of veterans, offering them greater independence. These homes are donated, mortgage-free, to veterans, providing a stable foundation for them to rebuild their lives.Veteran-Centric Approach and ImpactOne of the unique aspects of HFOT is its veteran-centric approach. Veterans are given the choice of where they want to live, allowing them to choose communities where they can thrive. Since starting to build, HFOT has created an incredible impact across 45 states, working on its next 65 projects. The organization diligently tracks outcomes, noting that post-move-in, veterans’ employment rates double, spousal employment rates quadruple, and family stress levels decrease significantly.Community and Donor EngagementEngaging the community is essential for the ongoing success of HFOT. The organization benefits from substantial individual donations, community fundraisers, and corporate partnerships. As Tom notes, about 90 cents of every dollar goes directly into the program, ensuring that donations make a significant impact. Corporate partners provide essential support, from furnishing homes to organizing special fundraising events.Adapting to Veterans' NeedsHFOT homes feature numerous adaptations to accommodate veterans with severe injuries. Notable adaptations include wider doorways and hallways, roll-under sinks, and pull-down shelving units, among others. The organization is committed to continuously improving these features based on veteran feedback, ensuring the homes adapt to the evolving needs of the community it serves.How You Can HelpAwareness and involvement are crucial for HFOT’s continued success. Whether through donations, volunteering, or spreading the word, every contribution helps. HFOT seeks to maintain low overhead costs, channeling most resources directly into its mission. With a strong network of supporters and a firm commitment to its values—commitment, accountability, respect, excellence, and service—HFOT aims to expand its reach and effectiveness even further.For more information on how you can support or get involved with Homes For Our Troops, visit their website at hfotusa.org. Let’s continue to build a future where those who have sacrificed the most can live in comfort and dignity.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is the range from low to high of possible credit scores?●     Answer: 300-850●     This week’s Military Minute question: What is the name of the structure that was built in the Pennsylvania field to commemorate the passengers on Flight 93?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Bruce McClary, Senior Vice President of Media Relations and Membership at the National Foundation for Credit Counseling (NFCC), a prestigious organization dedicated to helping individuals manage their finances, build credit, and achieve their financial goals. Together they discuss the complexities of financial well-being, and dive deep into the current state of financial stress for military families and veterans.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 64 – Military Money Management: Insights from the National Foundation for Credit CounselingFounded in 1951, NFCC is a cornerstone in the world of financial counseling. Bruce McClary explained their mission - promoting financial education and well-being. With a network of nonprofit agencies across all U.S. states and territories, NFCC offers a broad spectrum of services including credit counseling, debt management programs, homebuyer education, and financial coaching for small business owners.Whether you are struggling with debt, looking to build credit, or simply seeking advice on managing your finances, the NFCC offers a range of services tailored to your needs. Bruce emphasized the importance of accessible financial services by mentioning that these services can be reached via NFCC.org.Financial Stress Forecast and Debt ScoreBruce delved into the NFCC’s Financial Stress Forecast and Debt Score, tools designed to gauge and predict consumer financial pressures. Over the past three years, the debt score has surged by 66.8%, indicating a sharp rise in financial stress. The current score sits on the cusp of Stage 6, "tightening the belt," implicating serious financial adjustments for many households.Bruce explained that consumers are increasingly relying on credit to manage their expenses, leading to a ‘brick wall scenario’ where debt becomes unmanageable. The Financial Stress Forecast helps predict such crises, enabling timely intervention and assistance.Financial Strain on Military FamiliesFinancial challenges significantly affect military families. The NFCC has observed through its partnerships and surveys, including a Harris Poll, that financial uncertainty and strain are rampant among service members.Military families often turn to non-traditional financial services like payday loans and cryptocurrency. Gig work is also common, with many military households supplementing income through side jobs. Financial discord is another prevalent issue, exacerbated by deployments and PCS moves which make it difficult for spouses to maintain consistent employment.Tackling Financial StressBruce offered sage advice: proactive steps in seeking financial counseling can mitigate the impacts of financial stress, especially in military households where debt issues can affect security clearances and career advancement.One of the standout features of the NFCC is its personalized approach to financial counseling. Bruce emphasized the importance of creating customized financial plans that address each individual's unique circumstances. The NFCC's experienced counselors work closely with clients to develop strategies that are practical and achievable, ensuring long-term financial stability.Educational Resources and ToolsIn addition to personal counseling, the NFCC provides a wealth of educational resources and tools. Their user-friendly website is designed to help consumers navigate complex financial issues. From budgeting guides to debt reduction strategies, the NFCC equips individuals with the knowledge they need to make informed financial decisions.Bruce highlighted the user-friendly website NFCC.org, which provides tools, educational resources, and direct connections to certified counselors ready to assist.For more detailed information and to connect with a financial counselor, visit the National Foundation for Credit Counseling's website.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: In what city was Wounded Warrior Project founded?●     Answer: Roanoke●     This week’s Military Minute question: What is the range from low to high of possible credit scores?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Tonya Oxendine, a spokesperson for the Wounded Warrior Project. Tanya shares her poignant story of joining the U.S. Army to escape a difficult childhood, enduring harassment during her nearly 30-year military career, and facing severe PTSD after her deployment in Afghanistan. She discusses the crucial support she received from the Wounded Warrior Project, which helped her reclaim her life. Tanya's perseverance and commitment now drive her to empower other veterans through physical fitness and mental health advocacy.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 63 – Break the Silence: Tanya Oxendine’s Story of Survival and Healing with Wounded Warrior ProjectTonya Oxendine, who joined the United States Army shortly after high school to escape a traumatic past, shared the struggles and triumphs of her nearly 30-year military career. Amidst the challenges of harassment and emotional turmoil, she found solace and strength through the Wounded Warrior Project after facing the breaking point during her last deployment in Afghanistan in 2012.A Journey from DespairTonya's recount of nearly driving off a bridge due to the overwhelming pressures of PTSD, depression, and anxiety is poignant. It was her love for her sons, Nuke and Bam, that turned her car around and led her to seek help at Fort Belvoir’s mental health center. This vital step began her healing journey. Her involvement with the Wounded Warrior Project's Talk Program and Warrior Care Network significantly improved her mental health, providing essential support and restoring hope.Help for Veterans That HealsTonya’s involvement with the Wounded Warrior Project is multifaceted. Programs such as Carry Forward, a 5K walk/run event, and Project Odyssey, a mental health retreat, are just a few examples of how the organization supports veterans. These events and programs foster community, resilience, and physical and emotional well-being. Each program is meticulously tailored to the unique needs of veterans, ensuring no one feels left behind.Empowerment Through AdvocacyTonya's passion for helping other veterans is evident in her stories. Her role as a spokesperson has her traveling the world, sharing her journey, advocating for mental health, and breaking the stigma around seeking help. Wounded Warrior Project’s holistic approach to healing encompasses more than just physical recovery; it supports mental, emotional, and social well-being.The Origin of Wounded Warrior ProjectThe Wounded Warrior Project was born from a simple act of kindness by John Malia and his friends, who delivered the first set of backpacks filled with toiletries and clothes to wounded soldiers at Walter Reed Medical Center. This grassroots effort evolved into an organization that has now served nearly 270,000 veterans and their families, providing a broad range of support services.For anyone interested in supporting the Wounded Warrior Project, the organization’s website offers various ways to get involved. Whether through donations, volunteering, or participating in events, there are numerous opportunities to make a meaningful contribution. Additionally, veterans interested in sharing their stories and joining the advocacy efforts can find clear steps to get involved.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What was the original name for Philadelphia?●     Answer: Shackamaxon●     This week’s Military Minute question: In what city was Wounded Warrior Project founded?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

In this episode of “Militarily Speaking,” Tom and Jodi sit down with Dana Spain, the president of Veterans Villages, to discuss the organization’s mission to provide safe, respectful, and independent housing for veterans transitioning out of homelessness. She also discusses the essential difference between temporary and permanent housing solutions for veterans and highlights the pressing need for supportive services. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes military community who they are. We — with guests like you — will help the military community not only navigate their finances but also military life. We chat about both good and bad financial practices and provide some insight along the way. We’ll share strategies to help people get ahead, discuss military benefits that members should take advantage of, and more – all working towards the goal of helping people become more financially independent. On the show, we’ll also preview and talk about how to take advantage of military specific services, such as loans and mortgages, and help members prepare for important milestones such as PCS moves and the transition to civilian life. Finally, at the end of every episode, we have a bit of fun with our Military Minute. That guessing-game segment features military history, hobbies, a bit of pop culture. Correct guesses by listeners could result in a donation to charity of individual’s choice.

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi are joined by Craig Du Mez, President and Founder of the Grateful Nation Project, to discuss how the project honors U.S. military service members who made the ultimate sacrifice for our freedom, and brings to light the importance of remembering and sharing these hero stories to instill patriotism and gratitude among school students and the general public. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 61 – Reviving Patriotism: How The Grateful Nation Project is Honoring America's Fallen Heroes Tom kicks off the episode by introducing the guest of honor, Craig Du Mez. Jodi provides a warm welcome, sharing some background on Craig and the Grateful Nation Project, a nonprofit organization dedicated to gathering, preserving, and sharing stories of fallen heroes. They create hero cards and online biographies for U.S. military service members who lost their lives while serving from the Revolutionary War to present day. A Grateful AdvocateCraig explains the mission of the Grateful Nation Project: to ensure that stories of sacrifice are never forgotten. He shares personal anecdotes and the motivation behind the initiative, including how the project began as a simple idea to hand out hero cards during Memorial Day parades and evolved into a comprehensive program involving both cards and detailed online biographies. Heartfelt Personal Stories Connecting Veterans and Their FamiliesCraig shares a touching interaction with a relative of Daniel Hawk, the first soldier killed in the Civil War. This cousin, living in the UK, reached out and expressed pride in their ancestor's service. Such anecdotes underscore the project's profound impact not only on American families but also families abroad. Educational IntegrationJodi brings up the innovative ways schools are incorporating the hero cards and narratives into their curricula. Craig mentions that the Grateful Nation Project offers flexible implementation strategies for schools. From simple one-off events to more integrated lessons involving research projects and presentations, schools can tailor the project to fit their educational needs. Feedback from teachers highlights the program's effectiveness. One teacher noted how their students were so engaged they didn't want to leave for lunch. This demonstrates the project's ability to make history personal and relatable for students, transforming abstract historical events into human stories of bravery and sacrifice. Donations and Volunteer SupportCraig sheds light on the critical role of donations, explaining how contributions are used to print and distribute hero cards, cover research costs, and support outreach efforts. He also encourages listeners to volunteer by engaging local schools and veterans' organizations, underscoring the need for community involvement to expand the project's reach. Declining PatriotismCraig discusses a concerning survey indicating a sharp decline in patriotism among younger generations. He attributes this to the diminished direct connection many Americans have with the military. By introducing real-life hero stories into schools, the Grateful Nation Project aims to rekindle a sense of patriotism and gratitude for the freedoms we often take for granted. Craig ends by highlighting the importance of honoring the fallen and ensuring their sacrifices are remembered. By educating the younger generation and fostering a sense of gratitude, the Grateful Nation Project hopes to create a truly grateful nation where the memories of fallen heroes are preserved and cherished. To learn more about the Grateful Nation Project and how you can support its mission, visit gratefulnation.us or herocards.us. Your contributions can make a significant difference in preserving the legacies of America's heroes. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: Who was the founder of the American Red Cross and in what year did that take place?●     Answer: Clara Barton in 1881●     This week’s Military Minute question: Who said the following after being captured by the British Army, “I only regret that I have but one life to give for my country.”●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi are joined by Jason Ramlow, Regional Program Manager for the American Red Cross of Missouri and Arkansas. Together they dive deep into the pivotal work of the American Red Cross, particularly focusing on its services to the armed forces. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 60 – Uncovering the Hidden Gems of the Red Cross with Jason RamlowTom and Jodi kick off the episode with a milestone celebration: Jodi Vickery's birthday, adding a personal touch before transitioning into the conversation about the American Red Cross. Jason Ramlow, the star guest of the episode, is introduced with an impressive resume detailing his 24 years of service with the Red Cross, along with his extensive military background. Jason Ramlow leads the service to armed forces and international services for the American Red Cross in the Missouri-Arkansas region. He works closely with volunteer leaders to provide crucial services to military veterans and their family members. His experience is a testament to his dedication and passion for supporting military members and their families. Services Provided by the American Red CrossJason delves into the myriad services provided by the American Red Cross, focusing on both well-known and lesser-known programs: 1.   Emergency CommunicationsOne of the core services discussed is the emergency communication link that the Red Cross provides between military members and their families. This service ensures that critical information, like family emergencies, is conveyed promptly and accurately to the necessary parties. 2.   Resiliency WorkshopsAnother highlight is the Red Cross Resiliency Program, designed to help both active duty members and veterans navigate the unique challenges of military life and transition. These workshops, led by licensed behavioral health professionals, are interactive and provide tools for effective communication, stress management, and more. They cater to small groups and can also include specialized programs for military children. 3.   Hero Care AppJason talks about the Hero Care Network and its app, which offers a one-stop shop for military families needing emergency communication services. The app supports both English and Spanish and connects users to various community resources. 4.   Restoring Family LinksThis program aims to reconnect U.S. residents with non-U.S. citizen family members who have been separated due to civil strife, disaster, or other emergencies. The Red Cross collaborates with international Red Cross and Red Crescent societies to bridge these gaps. 5.   Additional ServicesJason also touches on various other services offered by the Red Cross, including pet first aid, smoke alarm installation, and CPR training. Each of these services exemplifies the broad scope of aid that the Red Cross provides to communities. Combining His Military Career and Red Cross ExperiencesThroughout the conversation, Jason shares touching stories from his extensive career. He recounts his time in Afghanistan, where the Red Cross's role in emergency communications was vital for military members' peace of mind. His firsthand experiences underscore the importance and impact of the Red Cross's services. For more information about the American Red Cross, including details on how to volunteer or access their services, visit www.redcross.org. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What three trails constitute the triple crown of hiking?●     Answer: Appalachian Trail, Pacific Crest Trail, and the Continental Divide Trail●     This week’s Military Minute question: Who was the founder of the American Red Cross and in what year did that take place?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi are joined by Sean Gobin, founder and Executive Director of Warrior Expeditions. This veteran-focused nonprofit leverages the healing power of nature to help military servicemen and women transition back to civilian life through long-distance outdoor expeditions. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 59 – How Nature Heals War-Torn Minds: Warrior Expeditions with Sean Gobin The episode opens with an enthusiastic welcome to Sean Gobin, who founded Warrior Expeditions as a way to assist veterans in processing their wartime experiences. Sean is a United States Marine Corps veteran who served for 12 years and has firsthand experience of the challenges faced by veterans during their transition to civilian life. The Inspiration Behind Warrior Expeditions After returning from deployments to Iraq and Afghanistan, Sean hiked the Appalachian Trail. This experience helped him process his wartime experiences, inspiring him to create a nonprofit organization to offer similar opportunities to other veterans. His venture has been particularly successful, combining outdoor activities like hiking, biking, and paddling with community support. The Healing Power of Nature for Veterans Sean outlines three key components that make outdoor therapy impactful: 1.    Time and Space in Nature: Long expeditions give veterans much-needed time and space to process and decompress from their wartime experiences.2.    Camaraderie: Veterans often undertake these journeys with others who have similar experiences, fostering a supportive community.3.    Community Support: Regular interactions with local communities along the trail help re-establish veterans' faith in humanity, which can often be shaken by their experiences during deployments. Focus on Continuous Exposure to Nature Sean emphasizes how the length of these expeditions—ranging from three to six months—provides significant therapeutic benefits. He contrasts this with shorter-duration programs, pointing out that long-term engagement with nature allows for deeper emotional processing and healing. Outfitting Veterans with Gear and Support Warrior Expeditions provide veterans with all the gear and support they need for their expeditions. Sean details the process of outfitting veterans and the extensive training they receive before embarking on their journeys. The organization collaborates with various gear companies and relies on both monetary and in-kind donations. Community Support and Partnerships The organization has built a robust network of community supporters and partners, including veteran service organizations and land management entities. This network enhances the logistics and safety of the expeditions, making it a coordinated and comprehensive effort. The organization is continually looking for ways to expand and improve, supported by an impressive network of donors and community partners. How You Can Help For those looking to support Warrior Expeditions, there are multiple avenues, including financial donations, in-kind donations, and community support. Sean encourages veterans who resonate with the organization's mission to apply and stresses the importance of ongoing support and participation.  Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: Which movie won the Academy Award for Best Picture in 1979?●     Answer: Deer Hunter●     This week’s Military Minute question: What three trails constitute the triple crown of hiking?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com