Militarily Speaking

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Welcome to Season 2 Episode 1 of the "Militarily Speaking" podcast with Tom McLean and Jodi VickeryIn 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 ShowLacey 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 FamiliesLacey 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 EpisodesReflecting 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 JourneyLacey 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 SpousesAs 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

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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 & 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 BackFounded 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 & 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 & 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.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 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 fosterers

Every 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 HomeIn 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 MembersInitially 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 SoldiersRob 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 DedicationA 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 SoldiersCell 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 IndependenceSupport 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 ResultsAt 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 CommunitySTEP'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 LeadershipA 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 HelpLooking 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 MembersA 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 TroopsHero 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 ImpactAlthough 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 MembersKaty 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 FoundationThe 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 SacrificeJack 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 MoreThe 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 HeroesJack 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 FoundationThroughout 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 ForgetAs 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 CommitmentJodi 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 EducationDr. 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 ProcessExcelsior 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 CollaborationsExcelsior 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 SystemsThe 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 ConnectionsExcelsior 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 TestimonialsThis 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 AheadAs 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 MurdockThe 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 ProgressionMajor 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 ProgramA 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 SoldiersTom 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 FutureAs 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 GutermuthAshley 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 ChallengesJodi 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 BackBeyond 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 ComediansThroughout 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 LaughterThe 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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. LepperMaj 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 PlanningBased 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 SupportOne 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 PopulationsIn 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 GuideJohn 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 ActionThroughout 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 ResolveJohn’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 ServicePost-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 OwnersTroxell’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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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.

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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 HeroesTom 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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:

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.
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.
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.
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.
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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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 GobinThe 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 ExpeditionsAfter 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 VeteransSean outlines three key components that make outdoor therapy impactful:

Time and Space in Nature: Long expeditions give veterans much-needed time and space to process and decompress from their wartime experiences.
Camaraderie: Veterans often undertake these journeys with others who have similar experiences, fostering a supportive community.
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 NatureSean 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 SupportWarrior 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 PartnershipsThe 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 HelpFor 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, are joined by Rocky Sickmann, representing Folds of Honor, shares his dramatic journey from U.S. Marine Corps service to becoming one of the 65 American hostages during the 1979 Iran hostage crisis. He also speaks of his current dedication to Folds of Honor, supporting military families through educational scholarships.

“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. 58 – Surviving the Iran Hostage Crisis with Rocky Sickmann from Folds of HonorJodi starts by providing an overview of Rocky's impressive background. Graduating from Washington High School in 1976, Rocky immediately entered the U.S. Marine Corps. His life took a dramatic turn in 1979 when, just 28 days into his duty at the American embassy in Tehran, Iran, Rocky became one of the 65 Americans taken hostage. He remained a hostage for 444 harrowing days before being released in 1981.

Rocky's military career is marked by numerous accolades, including the Prisoner of War Medal, the Defense Meritorious Service Medal, the Award of Valor, and the Good Conduct Medal. After his military service, Rocky transitioned to a successful career in the private sector with Anheuser Busch InBev, where he spent 34 years.

The Unforgettable Story of Iran Hostage CrisisRocky takes the listener through a vivid retelling of his experiences during the Iran Hostage Crisis. From the chaotic morning of November 4, 1979, to the nerve-wracking moments of mock firing squads and intense interrogations, Rocky provides a gripping account of the psychological and physical challenges faced during his 444-day captivity.

He recounts dramatic moments like the failed rescue operation, Operation Eagle Claw, that cost the lives of eight servicemen and the psychological torment of mock executions. Rocky's resilience and the hope instilled in him by his family, faith, and country shine through in his narration.

Life After Freedom and the Path to Folds of HonorIn 1981, Rocky came home to a hero's welcome. The emotional journey of reuniting with family and adjusting to life post-captivity was no small feat. His resolve and determination to make the most of his second chance at life led him to his role at Anheuser Busch InBev and ultimately, to Folds of Honor.

Folds of Honor, founded by Lieutenant Colonel Rooney, provides educational scholarships to the children and spouses of fallen and disabled service members. Rocky's dedication to honoring the sacrifices made by these families is palpable and resonates deeply with all who hear his story.

Cherishing Memories and Impacting LivesTom and Jodi delve into the profound impact that Rocky's experiences have had on his outlook on life. He cherishes the moments spent with his family, understanding deeply the sacrifices that allow these memories to be made. Rocky passionately speaks about the importance of education for the dependents of military personnel and first responders, a mission that drives the initiatives of Folds of Honor.

Giving Back Through Folds of Honor and Personal TiesRocky describes his ongoing efforts with Folds of Honor and their partnership with Anheuser Busch. From charity events to educational programs, Rocky works tirelessly to support military families, ensuring that the legacy of those who sacrificed is honored through education and support.

Rocky's incredible journey from a high school graduate in a small town, through the terrors of captivity, to becoming a beacon of hope and support for military families is nothing short of inspirational. His story is a testament to resilience, hope, and the unyielding spirit of service.

For more incredible stories and to support the mission of Folds of Honor, please visit FoldsofHonor.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 nickname for a fly fisherman? And what is the birthplace of fly fishing?

● Answer: A trout bum and the Catskills

● This week’s Military Minute question: Which movie won the Academy Award for Best Picture in 1979?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, are joined by John Jones, Vice President of Development at Project Healing Waters, discuss exceptional efforts to assist veterans through the therapeutic art of fly fishing. John shares touching stories, such as his own journey of recovery and encounters with fellow veterans, and how you can support their mission.

“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. 57 – Casting Lines, Reeling in Lives: Supporting Veterans with John Jones from Project Healing WatersJodi enthusiastically introduces John Jones, highlighting his commendable service history as a Retired Staff Sergeant in the United States Marine Corps and his significant contributions to the nonprofit sector. She notes his evident dedication to helping fellow veterans and his various roles in organizations addressing housing, education, job placement, and veteran services.

Fly Fishing as Therapy for VeteransJohn explains the mission of Project Healing Waters, emphasizing the use of fly fishing as a therapeutic tool to promote whole health mindfulness among veterans. He debunks the myth that fly fishing is merely an "old rich man's sport," explaining how the program engages veterans of all ages, from all service branches and eras, helping them find peace and mental well-being through activities such as casting, building rods, and tying flies.

He reveals that Project Healing Waters has served over 65,000 veterans in its 19 years of operation, with 7,330 veterans participating in the past year alone. As the organization approaches its 20th anniversary, they are also introducing more initiatives, such as "Women on the Fly," aimed at increasing female veteran participation.

How Project Healing Waters Saves LivesJohn shares a powerful and personal vignette about a Korean War vet who inspired him by sharing his harrowing yet resilient journey. This interaction compelled John to open up about his own experiences, reinforcing the therapeutic power of storytelling and shared experiences.

He reminisces about a particularly moving experience in Montana, where a veteran with a "thousand-yard stare" transformed into a sociable, happy individual within a day of participating in a fly-fishing event. This transformation was so profound that the veteran's brother, a donor, was amazed by the immediate positive change.

John emphasizes that Project Healing Waters is not just about fly fishing; it is fundamentally about saving lives. The organization welcomes veterans and active-duty service members in need, and they offer various avenues for participation, including fly tying, rod building, and volunteer opportunities for both veterans and non-veterans.

Volunteer, Donate, or Buy TicketsThere are numerous ways for people to contribute to Project Healing Waters. Volunteers, especially those skilled in fly fishing, are always needed and highly valued. Donations are also crucial, and the organization has set up several events and initiatives, including a 10th annual Healing on the Fly gala in New York City and the Greenbriar event in West Virginia.

Project Healing Waters is currently hosting a sweepstakes featuring a 2024 Toyota Tundra pickup and a Boulder Boatworks drift boat. The sweepstakes aim to raise a million dollars, with participants encouraged to make at least a $5 donation to enter. The winner will be announced in November, offering an exciting incentive for supporters.

Expanding ReachProject Healing Waters has extended its reach into 183 programs across 48 states. They have also collaborated with DOD hospitals, warrior transition units, and VA medical centers, ensuring that their healing programs touch the lives of veterans in numerous ways and at various points in their recovery journey.

To learn more, donate, or get involved – visit http://www.projecthealingwaters.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 pizza establishment did Kelly Clarkson work before eventually winning the first season of American Idol in 2002?

● Answer: Papa John‘s

● This week’s Military Minute question: What is the nickname for a fly fisherman? And what is the birthplace of fly fishing?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi are joined by Jessica Manfre and Brittany Raines of the Inspire Up Foundation, delve into ambitious mission to promote global generosity and kindness through education, empowerment, and community building. Together they explore their work in supporting military families and their efforts in creating impactful community projects like Giving Tuesday 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. 56 – Kelly Clarkson, Kevin Bacon, and Matching Tattoos with Inspire Up FoundationJessica Manfre and Brittany Raines explain how Inspire Up Foundation stands out for its innovative approach to fostering kindness and generosity across the globe. Jessica alongside Brittany have led the organization to not only understand the unique challenges faced by military families but actively work to alleviate those struggles through acts of kindness.

Giving Tuesday MilitaryOne of the foundation's standout initiatives, Giving Tuesday Military, underscores their commitment to year-round philanthropy. Unlike the traditional Giving Tuesday, which focuses on a day of charitable giving following Thanksgiving, Giving Tuesday Military extends the spirit of generosity throughout the year. With thematic monthly prompts, the organization empowers volunteers across the states to engage in acts of kindness that resonate most with their local communities. From environmental cleanups to crafting heartfelt letters for those in service, Giving Tuesday Military exemplifies the power of collective action rooted in individual passions.

Empowering Through EmpathyAnother compelling facet of the Inspire Up Foundation is its Spark and Inspire initiative, which reaches out to military spouses during times of need or celebration. Over a thousand boxes filled with thoughtfulness and care have been dispatched to date, serving as a tangible reminder of the network of support that exists within the military community. This act of sending a 'spark' of joy or a breath of solace to someone encountering life's myriad challenges exemplifies the foundation's deep-rooted belief in the power of empathy and understanding.

The Heart of the Foundation: Leadership and LegacyAt its core, the Inspire Up Foundation is driven by a leadership team that believes in the profound impact of kindness. Jessica and Brittany, through their personal and organizational endeavors, have managed to cultivate a culture of generosity that transcends borders. Their vision for the foundation is one where military bases globally engage effortlessly in Giving Tuesday Military, making kindness and volunteerism a natural part of their ethos.

How You Can Play a PartThe Inspire Up Foundation offers various avenues for involvement, catering to people from all walks of life. Whether through donations that are promised to stretch far and wide or by volunteering for Giving Tuesday Military to spread kindness in your community, the opportunity to make a difference is vast. Encouraging acts of kindness, both big and small, has a ripple effect that can transform communities and foster a more compassionate world.

The Journey AheadAs Inspire Up Foundation continues to grow, they are looking forward to expanding their reach and impact. With a strategy deeply rooted in compassion, community building, and proactive kindness, the Inspire Up Foundation is not just changing lives; it's sculpting a future where generosity is the norm, and military families across the globe feel supported, uplifted, and valued.

Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.

● Last episode’s Military Minute: When did the term ‘got your six’ originate?

● Answer: WWI

● This week’s Military Minute question: What pizza establishment did Kelly Clarkson work before eventually winning the first season of American Idol in 2002?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, together with Anne Marie Dougherty, CEO of the Bob Woodruff Foundation delve into how the foundation assists veterans transition, tackles mental health issues, and supports food insecurity and housing challenges. They highlight the foundation's nationwide network of veteran service providers, and various foundation-sponsored events and programs, emphasizing the foundation's commitment to 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.

Ep. 55 – Elevating Heroes: Inside the Bob Woodruff Foundation with Anne Marie DoughertyThe world of veteran support is vast and varied, filled with organizations that aim to ease the transition from military to civilian life. Among these, the Bob Woodruff Foundation stands out, not just for the breadth of its reach, but for the depth of its commitment to ensuring veterans and their families not only survive but thrive.

A Partnership Rooted in Military and Community ValuesAt the heart of the Bob Woodruff Foundation's success is its partnership with organizations and individuals who share a common goal: to provide veterans with the support they need to thrive after service. From national giants like the NFL to local community centers, the collaborative efforts spearheaded by the foundation ensure that veterans across the country have access to mental health services, employment opportunities, and emergency financial assistance.

Tom notes how Armed Forces Bank also supports organizations such as the Stronghold Food Pantry and Veterans Community Project.

Unpacking the Challenges of Military to Civilian TransitionTransitioning from military to civilian life poses unique challenges. Veterans may face difficulties ranging from physical injuries and psychological scars to navigating civilian employment and access to simple things like a savings account or emergency financial assistance for military members. The Bob Woodruff Foundation helps address these challenges head-on. With initiatives like the Got Your Six Network, the foundation ensures veterans have a reliable support system, aiding their integration into civilian life with dignity and respect.

A Look into the Foundation's WorkThe conversation with Anne Marie revealed the multifaceted approach of the Bob Woodruff Foundation. From advocating for mental health care and combating food insecurity to facilitating veteran employment and caring for military families, the foundation's impact is profound. High-profile partnerships, like those with the NFL and major music artists, play a crucial role in amplifying this impact, bringing attention and resources to the foundation's noble cause.

Personal Stories and Professional SuccessesAnne Marie shared moments of personal connection and triumph, illustrating the real-life impact of the foundation's work. The story of the foundation's genesis, tied closely to Bob Woodruff's own recovery and family's resolve, serves as a constant reminder of the personal stakes involved. The foundation's ability to engage celebrities and public figures further exemplifies its unique position to bridge the gap between the military and civilian worlds, fostering greater understanding and support.

Growing Initiatives and How to Get InvolvedUnderstanding the complexity of transition and the diverse needs of veterans, the Bob Woodruff Foundation created the Got Your Six Network. This expansive network connects veterans to over 350 partner organizations that specialize in various services, from legal aid to food security. This initiative underscores the foundation's commitment to ensuring no veteran is left behind, regardless of their location or specific needs.

Anne Marie’s call to action for civilians and companies alike—to recognize, hire, and support veterans in meaningful ways—underscores the collective responsibility we hold in honoring our service members' sacrifices.

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 transition from the military each year?

● Answer: 200,000

● This week’s Military Minute question: When did the term ‘got your six’ 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, together with John Hotek, Vice President of Vector Force Development, delve into the company's mission of providing meaningful career transitions for veterans, its commitment to veterans and the military community, and the unique opportunities it offers within the energy and utilities sector.

“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. 54 – From Service to Civilian Success: The Vector Force Pathway with John HotekVector Force Development, founded with the ethos of serving those who've served, stands out not just for its rapid growth but for its foundational commitment to veterans. With John Hotek at the helm, the company has grown exponentially, operating in over 20 states and providing a plethora of opportunities in the energy sector. Tom highlighted the company's achievements, including its recognition on Inc Magazine's list of America's fastest-growing companies and the Vet 100 listing, underscored by its service-disabled veteran-owned status.

A Glimpse into John Hotek's Military Career and TransitionListeners were treated to an in-depth look at John’s illustrious military career, spanning 24 years with multiple overseas postings and nine combat deployments. His transition from the military to a civilian career at Vector Force Development symbolizes the seamless move veterans can make into impactful, civilian roles, leveraging skills and experiences gained during service.

Vector's Impact Beyond Just EmploymentJohn’s conversation revealed the comprehensive approach Vector takes, far beyond merely offering jobs. They are actively involved in communities, from local schools in Toledo to national organizations like the Leukemia and Lymphoma Society and Team Red, White, and Blue, showcasing their commitment not just to veterans but to the broader community they operate within.

The Military to Civilian Transition: A Vector PriorityVector's unique approach to recruiting veterans, spearheaded by John and his team, involves actively seeking out veterans and assisting in translating military skills to civilian job markets. John detailed the partnerships Vector has developed with the Department of Labor and the Department of Veterans Affairs to facilitate these transitions, providing a tangible path for veterans seeking new opportunities outside the military.

Operation Homeward: A Testimony to Vector's Family EthosOne of the episode's highlights was the discussion around Operation Homeward, Vector's innovative program designed to support not just their employees but their families in significant life transitions, demonstrating Vector's deep-rooted belief in treating employees as family. This program is a testament to Vector's dedication to their employees' overall well-being and happiness, reinforcing the company's core values and commitment to creating a supportive and inclusive workplace.

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 rounds did Woodrow Wilson play during his eight-year term? And what color did he paint his golf balls so that he could play in the winter?

● Answer: 1200 rounds and painted his golf balls black

● This week’s Military Minute question: How many people transition from the military each year?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, together with Col. Nick Nichols, a decorated U.S. Air Force F-16 pilot and the current president of the Folds of Honor Foundation, delve into the foundation's mission, the application process for scholarships, and the importance of supporting military and first responder families through 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.

Ep. 53 – The Unfolding Story of Folds of HonorColonel Nick Nichols's military career is a saga of bravery, leadership, and sacrifice. With seven combat tours in Afghanistan and Iraq under his belt, Nick's story is not just about the skies he dominated but also about the legacy he builds from the ground up. Transitioning from a high-flying fighter pilot to leading the Folds of Honor Foundation, Col. Nick continues to serve, albeit in a different capacity. His story is a poignant reminder of the personal costs of freedom and the importance of honoring those who pay the ultimate price.

The Mission of Folds of Honor"Folds of Honor stands for a simple, yet powerful premise: honor the sacrifice, educate the legacy,” Col. Nick elucidates the foundation's mission. This organization steps in where duty calls and families need, providing educational scholarships to the spouses and children of America’s fallen and disabled service-members and first responders.

2023 marks an impressive milestone as the foundation nears serving nearly 18,000 scholarship recipients, translating into about $90 million in educational support. This remarkable achievement underscores the profound impact of Folds of Honor on countless lives, echoing a message of gratitude and remembrance across the nation.

A Call to Arms for the Armchair PatriotOne of the most resonant messages from our conversation was the invitation for every citizen to play a part in this noble cause. Col. Nick emphasizes, “Everybody can do something.” Whether it’s a one-time donation, a monthly commitment of $13 (a poignant nod to the 13 folds of an American flag given to the families of the fallen), or volunteering, every effort counts. Folds of Honor operates with a high-efficiency model, ensuring that 91 cents of every dollar goes directly to its scholarship programs.

Golf for Honor: Teeing Off for a CauseGolf holds a special place in the heart of Folds of Honor, serving as both a symbol and a substantial source of fundraising. Events like the Patriot Golf Days and the establishment of the American Dunes Golf Club are just a few examples of how the foundation leverages the beloved sport to garner support for their mission. These events not only raise funds but also serve as powerful platforms for storytelling and community building around the cause of military and first responder families.

Join the Squadron of SupportOur discussion with Col. Nick Nichols serves as a poignant reminder of the sacrifices made in the name of freedom and safety. It beckons us to be more than passive onlookers but active participants in ensuring the legacies of our nation's heroes thrive through education.

As we discover the multifaceted efforts and dedication of Folds of Honor, it's evident that the story of this organization is one of unwavering commitment, profound impact, and collective responsibility. Now, more than ever, the call to "Honor their sacrifice. Educate their legacy" resounds with urgency and hope. Will you answer the call?

For more information on how you can contribute or get involved, visit Folds of Honor. Together, let's ensure the families of those who protect our freedoms and ensure our safety know they are not forgotten.

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 components and corresponding distances, in miles, of the Ironman competition?

● Answer: 2.4 mile swim, 112 mile bicycle ride, and 26.2 mile run

● This week’s Military Minute question: How many rounds did Woodrow Wilson play during his eight-year term? And what color did he paint his golf balls so that he could play in the winter?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, delve into the world of military mental health support with Dr. Trina Clayeux, CEO of Give An Hour (GAH), and Rebekah Edmondson, a GAH intern and United States Army veteran. Together they explore the impactful stories of enhancing mental health access and delivery, and their dedication to reducing stigma and promoting resiliency within the military 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.

Based on the script provided and its content focus, here are some title options that reflect the themes and discussions in the episode:

Ep. 52 – Give An Hour for Military Mental HealthIn a world that often overlooks the significance of mental health, especially among our military and veteran communities, one organization stands out for its dedication to making a difference: Give An Hour (GAH). The organization, renowned for its pioneering approach to addressing mental health challenges, emerges as a beacon of hope and support.

Empowering Veterans Through Understanding and LeadershipGAH's mission revolves around developing resilient individuals by improving mental health access and addressing service gaps within communities. Dr. Trina Clayeux, CEO of GAH, and Rebeka Edmondson, an inspiring GAH intern and Army veteran, shared their profound experiences and the organization's ambitious goals.

A Legacy of Service and SacrificeThe episode painted a vivid portrait of GAH's impact through the extraordinary journeys of its guests. Dr. Clayeux has made remarkable contributions across various sectors, specifically targeting the unique needs of military and veteran communities. Simultaneously, Rebekah's dedication, stemming from her military service and commitment to aiding her fellow veterans, underscores the profound need for tailored mental health interventions within these military and veteran communities.

Championing Peer Support and Community EngagementA pivotal part of GAH's success lies in its innovative peer support and wellness ambassador programs. These initiatives facilitate a platform for veterans and military members to share their experiences, offering support and companionship in navigating the complex pathways of mental health challenges. Their discussion highlighted the transformative power of peer connections, emphasizing that healing often begins with a conversation among those who’ve walked similar paths.

The Road Ahead: Opportunities and ChallengesDespite significant strides, GAH recognizes the enduring challenges and evolving needs within mental health care for veterans and military members. The conversation acknowledged the importance of continuous outreach, innovative solutions, and community involvement in overcoming these obstacles. With an eye on the future, GAH remains committed to expanding its network, enhancing its offerings, and, most importantly, ensuring that every individual in need receives the compassion, understanding, and support they deserve.

How to Get Involved with GAHThe episode concluded with a compelling call to action, urging listeners to become part of the solution. Whether through financial contributions, volunteering as wellness ambassadors, or simply by lending an ear to someone in need, there are numerous ways the public can support GAH’s mission. The organization's goal is clear: to create a society where mental health is prioritized, and every service member, veteran, and their families have access to the care they need.

GAH stands as a testament to the strength found in unity, compassion, and dedicated action. As the conversation on "Militarily Speaking" so eloquently captured, it is through collective efforts and shared understanding that true change can be realized. In answering the call to support GAH, we not only honor the sacrifices of our military members and veterans but also contribute to building a more resilient and mentally healthy world.

For those looking to learn more or get involved with Give An Hour, please visit their website at www.giveanhour.org. Together, we can make a difference—one hour, one conversation, and one life at a time.

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 acronym STRIVE in relation to Syracuse University?

● Answer: Startup Training Resources to Inspire Veteran Entrepreneurship

● This week’s Military Minute question: What are the three components and corresponding distances, in miles, of the Ironman competition?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi, together with guests Dwayne Murray and Mike Bianchi from Syracuse University, dive into the transformative work being done at Syracuse University to support veterans and military families, and the commitment to veterans and military families the school offers.

“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. 51 – Bridging Military Experience to Academic and Career Success at Syracuse UniversitySyracuse University stands as a beacon of support and opportunity for veterans and military families, fostering a vibrant community where military experience translates into academic and career success. Mike and Dwayne deeply delve into several key programs and initiatives under the umbrellas of the Institute for Veterans and Military Families (IVMF) and the Office of Veteran and Military Affairs (OVMA).

Life-Changing Programs and InitiativesTogether the group explores of the transformative programs offered by the IVMF and OVMA. Mike elaborates on the Onward to Opportunity program – a pristine example of how Syracuse University is enabling veterans and their families to transition successfully into civilian careers. This program enrolls over 10,000 learners annually, providing them with crucial employability skills and access to industry-recognized credentials. It’s a testament to Syracuse’s dedication to ensuring that veterans lead meaningful civilian lives post-service.

Dwayne reflects on the meaningful academic journey veterans undertake at Syracuse, elaborating on the comprehensive support structures in place to navigate and maximize their time on campus. From immersive trips and career networking nights to specific interventions designed to address the unique challenges faced by student veterans, the OVMA's mandate is clearly centered on student success and well-being.

More Than Just an Education InstitutionSyracuse University's commitment to being more than just an educational institution makes itself very apparent through this conversation with Dwayne and Mike. It positions itself as a key player in shaping policies and programs that meet the evolving needs of the veteran community, embodying a holistic approach to veteran support that extends beyond academic achievement to include impactful community engagement and career readiness.

A Model of Excellence in Veteran SupportSyracuse University’s concerted efforts in supporting veterans and military families set a gold standard in higher education. Through their exhaustive array of programs, initiatives, and a forward-thinking approach, the institution not only pays homage to the service and sacrifice of military personnel but also actively contributes to their success in civilian life.

The journey from military service to civilian achievement is one that Syracuse University is passionately committed to facilitating. With each program, initiative, and support structure, they weave the thread of service, sacrifice, and success into the fabric of their institution, proving that for veterans at Syracuse, the best is truly yet to come.

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 country music artist recorded the song, Some Gave All, and what year was it released?

● Answer: Billy Ray Cyrus in 1992

● This week’s Military Minute question: What is the acronym STRIVE in relation to Syracuse 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Peggy Baker, President and Founder of Operation First Response, discuss the incredible journey of this organization, its inspiring efforts in providing financial support to wounded military service members and their families, and the motivation behind their work.

“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. 50 – Supporting Military and First Responders: Operation First Response with Peggy BakerThe conversation began with the hosts expressing their excitement for the 50th episode milestone, followed by a warm welcome to their guest, Peggy Baker. Peggy unveiled her inspiring journey which commenced when her son joined the United States Army in the wake of 9/11. Witnessing the sacrifices of these brave military men and women and experiencing their struggles firsthand moved her to establish Operation First Response. From that day till now, the organization has been walking hand-in-hand with military heroes and their families, providing support during their most challenging times.

Programs Within Operation First ResponseAs part of their endeavor to salute military heroes, the organization hosts numerous programs. One of the most valued programs is the financial assistance program that supports military families and first responders. Over the years, the organization has formed a safety net for these families by providing help in emergency situations such as car repairs or appliance replacements for families with fixed income.

Another significant undertaking is their training program offering specialized IT courses virtually. Recognizing the employment challenges that veterans often face, the organization offers these programs free of cost, underscoring the importance of community support and encouragement for the returning heroes.

The Kinds of Donations Operation First Response AcceptsOperation First Response indeed understands the power of kindness and community support. The organization openly accepts help in various forms beyond monetary contributions. They accept donations in the form of vehicles, boats, stocks, and securities, which then gets translated into financial means to provide support to struggling families. The organization also welcomes volunteers for events and fundraising activities.

Serving Those Who ServeDuring this enlightening conversation, Peggy made it abundantly clear why she and her team continue to do what they do. The importance of conveying heartfelt gratitude to the selfless military men and women who serve our nation, and their families, remains at the heart of Operation First Response. Whether it's financial aid or a training program, the organization continually strives to be more than a band-aid but a beacon of hope for these heroes shedding light on their path towards a secure and stable life.

When asked about what she wants the listeners to remember, Peggy urged everyone to recognize our military and first responders as the best of us. Our support, she believes, can reassure them that they are never alone and that their sacrifices are never forgotten.

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 second most famous woman in America followed by First Lady Eleanor Roosevelt?

● Answer: Betty Crocker

● This week’s Military Minute question: Which country music artist recorded the song, Some Gave All, and what year was it released?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Kaycie Taylor, Director of Family Support with Project Sanctuary, discuss the organization supports military families in a myriad of ways - from therapeutic retreats to mental health resources and caregiver 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. 49 – How Project Sanctuary is Transforming Military Families with Kaycie TaylorHonoring their service and offering them added support is more than just a tagline when it comes to giving back to our military families, it's a total commitment. Often operating behind the scenes, numerous organizations tirelessly strive to create better lives for military families and veterans. One such organization is Project Sanctuary, helmed by dedicated individuals such as Kaycie Taylor.

Connecting Dots with Military FamiliesKaycie and her team work tirelessly to provide support for military families. She does so by not only reaching out to these families but also understanding the intricacies of their experiences and relating these to the broader military family community.

The different programs offered by Project Sanctuary, such as the recreational retreats and family support initiatives, all work in harmony to provide different facets of support that instill hope, improve connectivity, and foster healing.

Heart at WorkProject Sanctuary’s primary projects are their signature six-day therapeutic retreats. These retreats are designed to cater to military couples and their families. What sets Project Sanctuary apart is its attention to detail, focusing on an approach that is both comprehensive and relevant. The retreats incorporate a mix of recreational activities and comprehensive workshops for both adults and children, paving the way for a wholesome, healing experience.

Additionally, Project Sanctuary also offers diverse mental health resources. They ensure that every resource they extend has been vetted thoroughly, thereby taking into account key factors such as whether the military families need in-person or virtual support, the nature of their specific needs, and more. This strategic, all-round approach assures a highly personalized, deeply engaging, and effective support system.

Building ResilienceWhen it comes to Project Sanctuary, you'll come across countless success stories that are heartening and bound to provide much-needed motivation. What sticks out is the narrative of an individual who initially attended a retreat single-handedly, attended another retreat later as a volunteer, and later participated in a ballroom dancing competition.

This transformation underscores the positive changes and personal growth that Project Sanctuary instills. It is a testament to the organization's commitment to nurturing, empowering, and creating stronger military families.

Getting InvolvedProject Sanctuary acknowledges that it owes its success to its volunteers. Volunteers form the backbone of Project Sanctuary, with 4-6 volunteers usually attending each retreat. The organization welcomes all volunteers and subjects them to a thorough vetting process.

Project Sanctuary also holds annual fundraising events such as the Rocky Mountain Gas and Oil Poker Classic and the Permian Basin Poker Tournament. These events, coupled with the active giving that fans, donors, and well-wishers provide, keep the organization running.

Project Sanctuary continues in its mission to heal and empower our military families best, allowing them to thrive both during and after their service to the nation.

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 most famous author of children's books with over 300 million copies sold?

● Answer: Roald Dahl

● This week’s Military Minute question: Who was the second most famous woman in America followed by First Lady Eleanor Roosevelt?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Jessica Hall, Vice President of Marketing and Communications for United Through Reading, discuss how the mission-focused organization is dedicated to strengthening military families and building literacy.

“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. 48 – Strengthening Military Family Bonds Through the Power of Storytime with Jessica HallUnited Through Reading was founded in 1989 with the sole aim of helping military families bond and connect through daily shared reading. This mission is targeted towards strengthening both emotional bonds and literacy skills among military families irrespective of the distance between them. Since its inception, United Through Reading has connected over three million military family members through shared story times.

The organization holds steadfast to their belief in the power of reading and utilizes an array of programs to keep military families connected. Jessica sizes it all up by saying, “We help military-connected families bond and connect every day through reading together. Our mission is to strengthen military families, literacy, emotional bonds, and well-being through the power of reading together every day, no matter the distance.”

Leveraging Technology and BooksUnited Through Reading boasts a free app compatible with all mobile device platforms - iOS, Android, and Amazon. Via this app, military families can record, save and share their stories with each other. This initiative supports those who are deployed to keep up their presence and connection with their families back home. As Jessica mentions, “This is mom or dad on demand.”

The organization also offers an array of resources. From reading trackers to activity calendars, United Through Reading equips military families with the tools needed to instill and maintain a strong reading habit. More importantly, the organization employs a holistic approach in dealing with the needs of each family as no two families are the same.

Partnerships and AwardsUnited Through Reading appreciates a wealth of support from a myriad of partners. Jessica emphasizes the value of their partnerships, particularly the collaborative relationship with fellow organizations in the military family support space.

Over the years, United Through Reading has garnered awards that acknowledge their dedication and contribution to service families and literacy improvement. They notably received the Community Service Hero Award from the Congressional Medal of Honor Society and the American Prize of the Library of Congress’s Literacy Awards Program.

Jessica’s Military MovesJessica’s journey with the military has seen her move across various locations within the United States. Her family began at Fort Huachuca, where she resided twice. Later, her journey led her to Joint Base Lewis-McChord as well as Fort Hood, alternatively known as Fort Cavazos, where she contributed significantly to military spouse communities.

The pathway of duty also took Jessica to the renowned Fort Knox, followed by a transitional phase in Northern California for her husband's graduate studies. The final anchor in her journey, for now, is Fort Meade where she is currently based. She has served in various capacities, riding alongside her husband's service commitment, from spearheading Girl Scout troops to actively participating in Fort Knox's Spouse and Community Club.

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 of the Purple Heart?

● Answer: Badge of Military Merit

● This week’s Military Minute question: Who is the most famous author of children's books with over 300 million copies sold?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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In this episode of “Militarily Speaking,” Tom, Jodi, and guest Lieutenant Colonel Mike Foss, President of the Warrior Bonfire Program, discuss how the organization supports Purple Heart recipients with therapeutic outdoor activities to foster healing and build supportive relationships among veterans.

“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.

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Rachael Deleon, Executive Director of Association for Financial Counseling and Planning Education (AFCPE), discuss how AFCPE is a beacon of reliable and accessible financial counseling, coaching, and education. Their support is there for individuals seeking trustworthy help and those aspiring to assist others in their financial journeys.

“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.

Ep. 46 – The ABCs of AFCPE: Financial Counseling for Military Members with Rachael DeleonRachael Deleon, Executive Director of AFCPE, explains that they are a not-for-profit organization founded about 40 years ago. They are dedicated to equipping individuals interested in becoming financial counselors, coaches, or educators. With the belief that everyone deserves equitable access to such services, their mission is to impact people's financial wellbeing positively by ensuring the highest standards in financial counseling, coaching, and education.

A unique attribute of AFCPE is their diversity in service delivery, cut across several fields. Members of this organization work within academia, non-profit organizations, private practices, banks, government institutions, and even the military. Irrespective of the arena, AFCPE’s standards are upheld, ensuring that clients receive service from professionals who believe in equity, inclusion and high standards.

Empowering the Military Community through Financial EducationInterestingly, one of AFCPE’s earliest constituents was the military community due to their recognition of the importance of financial readiness. Programs initiated for the military community, such as the FINRA Foundation Military Spouse Fellowship and the partnership with the CFPB, have had profound impacts on military financial counseling, coaching, and education.

With the partnership between AFCPE and the Veteran Saves, and the Veterans Benefits Banking Program, AFCPE continues to hew a clear path for veterans, particularly in providing access to Financial Counseling. Through this initiative, AFCPE Accredited Financial Counselors work as pioneers with the bigger picture of integrating the field and ensuring that financial advice is delivered holistically to veterans.

Varied Career Paths with AFCPEFor those looking to move into the sphere of financial counseling and coaching, AFCPE offers numerous opportunities through its various programs. These professionals can work in academia, non-profit organizations, banks, government institutions, and even within the military. A growing trend among AFCPE certified professionals is private practice. This allows them to hone in on their specific areas of passion and offer specialized services within those niches.

Regardless of the arena – be it the military, academia, or private practices – AFCPE’s ethos of delivering equitable access to financial counseling, coaching and education stands tall. The future presents exciting prospects for AFCPE as they continue their important work in providing financial stability and empowerment for many.

Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.

● Last episode’s Military Minute: Name one famous recipient who received the title of Honorary Marine.

● Answer: Many answers including Chuck Norris, Brigadier General Bob Hope, Corporal Jim Neighbors, or Gary Sinise

● This week’s Military Minute question: What is the name of the program offered by the Uniformed Services that combines elements of the legacy retirement system with benefits similar to those offered in many civilian 401k plans?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Mike Abrams, Founder and President of FourBlock, we delved into how the organizations hands-on approach helps veterans transitioning from military to civilian life. We also discuss the organization's values, offerings, and goals.

“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.

Ep. 45 – Unlocking the Value of Veterans in the Workforce: A Chat with Michael Abrams of FourBlockEstablished as a non-profit, FourBlock equips military personnel for their post-service career. The organization offers a semester-long course aimed at enabling veterans to establish valuable industry relationships while discovering suitable career options for the future.

The name FourBlock represents the fourth and final challenge that service members face in the pursuit of winning wars — returning home and successfully integrating with society. The 'block' concept stems from the military's three-block war model, where each block signifies a type of challenge that service members may face in an era of conflict.

The FourBlock Educational Program for VeteransThe FourBlock program provides over 30 hours of curriculum and networking breaks to veterans, with each class containing about 20-40 veterans. Each weekly class is hosted by a different company where the attendees get exposed to different industries and opportunities. The curriculum helps the veterans identify their career interests and also equips them with the technical know-how needed for a career search.

Aside from this, FourBlock encourages employers and hiring managers to actively participate in the program by hosting classes, engaging with the course's curriculum, and drawing upon their own experiences with their companies. This aspect ensures that the participants gain invaluable, practical industry knowledge and make connections with potential employers.

However, the essence of FourBlock goes beyond just the curriculum and classes. The emphasis of the program is relationship building. A significant impact is made when veterans can engage with someone who has successfully made the military-to-civilian transition. Seeing and talking to someone who has experienced the same journey and challenges can help transitioning veterans recognize the potential in themselves.

Getting Involved with FourBlockApart from offering a semester-long course to veterans, FourBlock welcomes corporate partners and alumni to get involved in supporting their initiatives. There are various ways to contribute, from hosting a class and participating in the program as a corporate partner, to becoming a career coach.

Overall, FourBlock offers a personalized, hands-on approach to assisting veterans in their journey towards successful career transitions. Their methods are touted by an 84% success rate, denoting that their veterans stay at their first post-military job for more than a year.

With a significant focus on culture and finding the right fit, FourBlock reminds veterans and organizations alike that transitioning from military service to a civilian career doesn't have an all-encompassing solution. Instead, it is about collaboration, relationship building, and mutual support.

Interested parties can get in touch with FourBlock and find ways to contribute to their cause through their website: www.FourBlock.org. For corporate inquiries on how to host a class or participate in the program, you can reach out to Michael Abrams directly at: mabrams@fourblock.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 defense mechanism do alpacas employ when they are threatened or feel the need to assert dominance within the herd?

● Answer: They spit

● This week’s Military Minute question: Name one famous recipient that received the title of Honorary Marine.

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Zanna Wolfgang, Honor The Brave co-founder, discuss how the veteran support program helps military and first responder families navigate the real estate market, and how she created a 'funny farm' with a collection of animals that brings joy and therapeutic benefits.

“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.

Ep. 44 – Honor The Brave: A Conversation with Zanna WolfgangAs the conversation flowed, Zanna unfolded her inspiring story behind co-founding "Honor The Brave," a real estate benefit program that assists veterans and first responders. Having experienced the struggles of life after service, Zanna and her husband, Jeff, saw it as their calling to help their community. The program provides "Brave Benefits" to qualified candidates, a fitting cause that goes beyond just property transactions to create meaningful relationships.

Discovering the Funny FarmThe interview shifted toward Zanna’s personal life away from her professional commitments, disclosing an intriguing aspect of her lifestyle at her “funny farm”. Housing a joyously varied mix of animals from alpacas to kunekune pigs, Zanna’s funny farm is based on a wellspring of love and shenanigans. Every day, she draws inspiration from these interactions, producing a steady flow of good vibes and positivity that finds its way into her work.

Getting to Know Zanna Through Victim, Survivor, Thriver PodcastZanna's empowering journey also charts her experience hosting the Victim, Survivor, Thriver podcast. This platform allows her to connect with individuals facing adversities and inspire them with stories of strength and determination. Aiming to guide others from being victims to becoming thrivers, Zanna brings hope, painting every situation with a positive outlook, indicating her unwavering dedication to uplifting lives.

Merchandising for a Cause: Supporting the BraveThrough the success of "Honor The Brave" and her increased influence, Zanna introduced merchandise filled with love and shenanigans from Thrive Farm Co. These proceeds go back to the very community she serves, reminding us that our actions in commerce can reflect our values in life.

Leaving a Ripple EffectBy infusing her professional life with personal beliefs, Zanna redefines what it means to work with purpose. As she passionately dedicates to causes close to her heart, her positive influence and warm energy radiate in all directions. As a beacon of positivity and hope, she exemplifies that it's not only about what we do but also why and how we do it. Zanna’s story truly stands testament to the fact that our profession can echo our purpose, leaving a ripple effect that changes many lives positively.

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 former U.S. President was elected to the Golf Hall of Fame in 2011? What was the original name of the Kansas City Chiefs?

● Answer: George H.W. Bush and the Dallas Texans

● This week’s Military Minute question: What defense mechanism do alpacas employ when they are threatened or feel the need to assert dominance within the herd?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Jeremy Roe, Senior Vice President, BSO, Enterprise Fraud Officer of both Academy Bank and Armed Forces Bank, discuss the different forms of financial fraud, how social media plays a role in fraud, and proactive steps you can take to protect yourself.

“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.

Ep. 43 –Staying One Step Ahead: How to Protect Your Financial Identity with Jeremy RoeIn the era of digital transactions and online communication, the risk of identity fraud and financial data theft is a constant concern. The dangers are particularly relevant as evolving technology introduces new methods of compromising our assets.

Understanding Financial FraudFinancial fraud refers to wrongful or criminal deception intended to result in financial gain. An offender uses fraudulent methods to mislead a victim into releasing money or sharing confidential information. Notably, the fraud tactics spanning a wide range of tactics - from card skimming and SIM swapping to complex scams involving AI voice cloning.

The Fraud Landscape Skimming through Social Media PlatformsSocial media platforms bring forth an unprecedented potential for fraud. Cybercriminals can glean personal information from users' behaviors, interests, likes, and comments on these platforms. Shared content often exposes data like birthdays, favorite teams, pets’ names, etc., which aids fraudsters in committing identity theft.

In our discussion, Jeremy pointed to the ‘big four’ in this area: Facebook, Instagram, Twitter, and TikTok. Unfortunately, personal details shared on these platforms may potentially end up in a malicious actor's hands.

Online Dating FraudDating apps have introduced another vector for fraud. An example case included an airman building a relationship on such an app, and was later blackmailed for money under the threat of sharing their private conversations and explicit pictures publicly.

Known as sexploitation, this type of fraud preys on the victim’s fear and love to milk out payments. Any platform enabling private interactions and image sharing may facilitate such scams.

Bluetooth skimmingEmerging technologies have brought in advanced and undetectable fraud tactics. Take, for instance, Bluetooth skimming – a refined version of card skimming fraud that no longer requires the physical retrieval of the skimming device. Fraudsters can merely drive within Bluetooth range and remotely download the harvested card data.

Notably, you can find skimmers not only in gas pumps but also self-checkout stands, retail checkouts and even at local fairgrounds where someone asks to swipe your card.

Proactive Steps to Protect YourselfOptimally protecting your financial identity requires a proactive and diligent approach:

Check your financial statements and credit reports regularly: It’s essential to regularly review your credit reports readily available annually from AnnualCreditReport.com or other credit monitoring services. Meanwhile, consult your financial institution for accessing your statements electronically.
Engage with your financial institution: Your bank or credit union should be more than willing to provide guidance regarding fraud prevention. Jeremy encourages Armed Forces Bank and Academy Bank clients, as well as the public, to use them as resources.
Use cybersecurity tools: Use cybersecurity tools and credit monitoring services to preemptively detect potential breaches and promptly act upon them. Many financial institutions are providing identity theft protection within their products, like the Access Rewards Checking Account offered by Armed Forces Bank and Academy Bank.
Be cautious on social media: Think twice before taking quizzes on social media platforms that may reveal potential password clues or openly participating in message threads that involve sharing personal experiences.
Update contact information: Regularly updating your contact information with your bank ensures you can be reached promptly in case a suspicious transaction is noticed.

Remember, though technology lures us into the convenience of online transactions and digital banking, it simultaneously demands us to be extra cautious about our personal and financial security.

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 five motivations on Maslow’s Hierarchy of needs?

● Answer: physiological, safety, love and belonging, esteem and self-actualization

● This week’s Military Minute question: Which former U.S. President was elected to the Golf Hall of Fame in 2011? What was the original name of the Kansas City Chiefs?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Dr. Becky Porter, President and CEO of the Military Child Education Coalition, to explore MCEC's mission and evolution, shedding light on their pivotal role in championing the academic and social wellbeing of military children.

“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.

Ep. 42 – Advocating for Military Children in Education with Dr. Becky PorterWhen it comes to supporting the academic and social well-being of military children, few people understand the challenges and the journey better than Dr. Becky Porter, President and CEO of the Military Child Education Coalition (MCEC). A recent podcast episode offers an enlightening conversation with Dr. Porter, shedding light on MCEC’s mission, evolution, and her personal commitment to this cause.

Dr. Porter brings an impressive military background to the table, offering invaluable insights into MCEC's pivotal role. Tracing its 25-year journey, MCEC has grown from a fledgling organization to a beacon of hope for countless military families.

Supporting Military KidsThroughout the episode, Dr. Porter delves into MCEC's innovative programs such as the Student-to-Student initiative and the Francis Hesselbein Student Leadership Program. These programs are designed to foster resilience and leadership skills among military children. The conversation also explores the critical role of psychology in the educational sphere, and the pressing mental health crisis facing military youth today.

MCEC’s transformative initiatives such as the Military Student Data Identifier, Operation Educate the Educators, and the Every Student Succeeds Act are also highlighted. Dr. Porter's passion and dedication shine through as she discusses the transformative power of these initiatives, reflecting on their significant impact on military families.

In a memorable part of the conversation, Dr. Porter shares her experiences at the White House and the tremendous support it provides for the military community. She expresses her appreciation for the National Advisory Committee's support for MCEC, highlighting their belief in the organization's mission.

The episode wraps up with Dr. Porter expressing her sincere gratitude for her work, which continues to make a significant impact on military families. Her passion and commitment to this vital cause serve as a reminder of the remarkable work being done by MCEC.

To delve deeper into the conversation with Dr. Becky Porter and to explore the remarkable work of MCEC, tune into the full podcast episode. Join us in celebrating the unwavering dedication to championing military child education and showing your support for this vital cause.

Visit the Military Child Education Coalition’s website for more information on how to support military kids and contribute to the organization’s mission. Whether you are part of a military family, an educator, or simply an interested listener, this conversation is a valuable insight into the work being done to support our military children.

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 Netflix shows has been the most of all time by both hours watched and views?

● Answer: Squid Games

● This week’s Military Minute question: What are the five motivations on Maslow’s Hierarchy of needs?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Lila Quintiliani, Program Director for Financial Benefits Education at the Military Officers Association of America (MOAA), discuss the need for financial education and saving for retirement, understanding healthcare benefits and social security, and how MOAA is playing a pivotal role in easing the transition period for 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 military community who they are.

Ep. 41 – Navigating Military Financial Benefits with Lila Quintiliani from MOAAJodi introduces Lila Quintiliani, the Program Director for Financial Benefits Education at the Military Officers Association of America (MOAA), and asks Lila to discuss the crucial role of MOAA. MOAA is a non-profit, non-partisan legislative advocacy organization that serves as a significant player in advocating for the pay and benefits of the entire military community, including active duty, retirees, and veterans.

As the program director, Lila develops and manages MOAA's financial and benefits counseling, education, and consumer advice. She provides members with personalized and comprehensive financial advice and military and veterans benefits information assistance. In addition, she also conducts offsite classes and presentations to educate audiences on various financial topics such as investments, retirement planning, risk management, insurance, savings program, credit issues, taxes, estate planning, consumer awareness, survivor issues, and military veterans corporate benefit programs.

Understanding the Needs of Military FamiliesThe importance of education is highlighted, with a particular emphasis on how the needs for this education can vary by age group and demographic within the military community. Lila discusses the significance of saving for retirement, noting how crucial it is for military families to understand this necessity.

She also discusses the importance of understanding healthcare benefits and social security. These are two key areas that can often be sources of confusion or uncertainty for military families. Lila highlights how the MOAA is stepping up to address these issues, offering webinars and other services to help educate and guide these families.

Lila discusses MOAA's innovative approach to the survivor benefit plan, mentioning that they are gearing up for a virtual open season this year. This initiative shows MOAA's adaptability in responding to the current circumstances and its dedication to providing the necessary resources and support to military families.

Military Coalition, Legislation, and Financial PreparednessLila then provides her insights on military coalitions, legislation, and financial preparedness. She delves into the importance of being part of the military coalition and how being part of a larger voice helps in pushing for legislation changes.

She mentions that MOAA is part of a coalition of 35 organizations, including well-known names like Wounded Warrior, Blue Star Families, and MFA. Even though these organizations might not always agree, they come together to amplify their voices on Capitol Hill, making them more effective in their advocacy efforts.

Lila also brings to light how certain legislative issues can take years, even decades, to resolve. She gives examples of ongoing issues such as the widows tax, the repeal of the SBP-DIC offset that they are still fighting for. She also discusses the importance of military pay and how they've been closing the gap in comparison to civilian counterparts.

Discussing financial preparedness, Lila stresses the importance of having an emergency fund in place. She mentions that financial uncertainty, such as a government shutdown, can quickly turn into a crisis situation. She emphasizes the need to triage expenses, cutting back on non-essentials, and even temporarily halting contributions to retirement funds or aggressive debt repayments during these times. She also encourages listeners to be open to tapping into their emergency fund during such crises.

Lila also talks about the Military Officers Association of America's two foundations - the Crisis Relief Fund and the Scholarship Fund. The Crisis Relief Fund offers financial assistance to the military community in times of financial distress or unforeseen circumstances. On the other hand, the Scholarship Fund provides educational scholarships to military families, supporting their aspirations for higher education.

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 partner schools currently support the Heart of America Patriot Foundation?

● Answer: 31

● This week’s Military Minute question: What Netflix shows has been the most of all time by both hours watched and views?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Kelli Campbell-Goodnow, Executive Director of Heart of America Patriot Foundation, discuss her personal journey through navigating the benefits available to military children, the education benefits for military families provided by the organization, and the impact education can have on the wellbeing of 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 military community who they are.

Ep. 40 – Transforming Lives Through Educational Aid: A Conversation with Kelli Campbell-Goodnow from Heart of America Patriot FoundationThis episode takes a deep dive into the topic of Heart of America Patriot Foundation Scholarships with guest Kelli Campbell-Goodnow. Kelli serves as the Executive Director of the Heart of America Patriot Foundation, a non-profit organization that is committed to providing scholarships to the spouses and children of 100% disabled and deceased service members.

Kelli’s own journey has been a powerful driving force behind her work. After losing her husband, a Marine, in a tragic helicopter collision, Kelli faced the daunting task of starting a new life. She highlights how educational scholarships were pivotal in helping her family navigate their loss and change, as they enabled her children to attend school in Kansas City.

Education Benefits for Military FamiliesKelli then talks about the various education benefits available to military families and the mission of the foundation to provide scholarships for the dependents of disabled veterans.

She details the Dependents Education Assistance (DEA) program, the Fry Scholarship, and the Post-9/11 GI Bill, explaining how these programs are designed to help the families of military personnel further their education. However, she acknowledges that these programs often fall short in covering the full cost of education. She highlights the financial struggles many military families face when trying to pursue higher education, indicating the need for additional support and assistance.

Kelli shares her own experiences navigating these programs, giving listeners an intimate look at the challenges and intricacies involved. She also discusses her advocacy work for military families and her plans to reform the Chapter 35 benefit.

Education's Impact on Family Well-BeingKelli then discusses the profound impact education has on the well-being of military families. She shares how the foundation has been providing scholarships for the families of disabled or deceased veterans, and the transformative effect this has had on their lives.

She describes how the foundation works in partnership with schools to provide scholarships to those with high financial need, doubling donor. This unique approach not only provides significant financial assistance to deserving families but also encourages more people to donate, knowing their contribution will have double the impact.

Additionally, the foundation gives autonomy to the schools in administering the award process. Kelli explains that this approach fosters a community-oriented model of support where the schools become active participants in the process, ensuring the funds are used effectively and responsibly.

The discussion then delves into the tangible impact education has on the well-being of these military families. Education provides a lifeline, helping these families build resilience and open up new opportunities.

Expanding Volunteer Opportunities and ScholarshipsKelli talks about expanding volunteer opportunities and scholarships for military families. As the Executive Director of the Heart of America Patriot Foundation, Kelli discusses how they are forming an intern program in partnership with their school affiliates. This program aims to provide students, not just Heart of America scholarship recipients, but any student, with valuable internship experience.

These students would have the chance to work with the foundation, gaining invaluable practical skills and experience in fields such as non-profit operations, marketing, and data analysis. By establishing this program, the foundation can leverage the academic and professional resources of their partner schools, while offering students an opportunity to gain real-world experience and contribute to a cause they care about.

Kelli also talks about the expansion of scholarships for military families. The foundation is continuously partnering with more schools, which results in a growing number of scholarships available. The foundation's model of matching donations means that as they grow and receive more donations, the impact on students is doubled. The more funds they raise, the more students they can support.

Kelli then shares the story of a student in Missouri who was able to continue her education because of a scholarship from the foundation. She also talks about a mother and daughter who were able to attend Johnson County Community College together, thanks to the scholarships.

Another heartwarming story Kelli shares is of a grandmother who was able to pursue her dream of opening a business by going back to school with the help of the foundation's scholarship. These stories underscore the foundation's impact and the life-changing power of education.

Kelli stresses the importance of providing support to veterans and their families, who often face unique challenges due to their service. She passionately advocates for education as a crucial tool for these families to build new lives after service or loss. The foundation's expansion efforts aim to make these opportunities available to more veterans and their families.

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 first names of the founders of Johnson & Wales University?

● Answer: Gertrude and Mary

● This week’s Military Minute question: How many partner schools currently support the Heart of America Patriot Foundation?

● 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.

● John Broda also pledged a matching donation to the charity and the winner of this week’s Military Minute.

● After a winning selection, Military Minute participants are eligible for another selection after 12 months.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest John Broda, President and CEO of Armed Forces Financial Network (AFFN), discuss the powerful role of AFFN to military banks and defense credit unions. They also passionately discuss their mission of spreading kindness through acts of generosity and how AFFN supports their cause.

“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.

Ep. 39 – Military Philanthropy with John Broda from Armed Forces Financial NetworkIn today’s episode, we talk with John Broda, President and CEO of the Armed Forces Financial Network (AFFN). John has a wealth of experience, having been with AFFN for 36 out of its 37-year history. He shares his journey in the banking industry, which started when he was a part-time teller in high school and continued through his college career. After graduation, he continued in the banking industry and eventually became the Senior Vice President of EDS CNS.

John discusses the integral role AFFN plays behind military banks and defense credit unions' ATM and debit card programs. AFFN handles all the connectivity between the issuer, like Armed Forces Bank, and the acquirer or retailer or ATM. Essentially, AFFN is responsible for the behind-the-scenes operations that allow transactions to happen smoothly.

Career, Education, and PhilanthropyBeyond his corporate achievements, John's commitment to philanthropy and his deep-rooted passion for the military and nonprofit sectors also take center stage in his life. His enthusiasm for these sectors is palpable, reflecting in the extensive connections he has built throughout his career. He talks about his contributions to various industry oversight committees, religious community organizations, and, notably, veteran and military-focused charities.

His profound dedication to philanthropy positions him as a leader in this field, setting an example for his family and community on the strength and impact of service. The hosts and John also discuss how he manages to balance his demanding professional life with his philanthropic endeavors, underscoring the importance of giving back to the military community.

Family Ancestry and Work-Life BalanceJohn then discusses his familial ties to the military, the impact of his ancestry on his career, and how he balances a demanding professional life with philanthropic pursuits.

John reveals his ancestral lineage that dates back to the Revolutionary War. This history has given him a profound appreciation for the sacrifices made by the military community, which further fuels his commitment to serving them through his role at AFFN.

However, managing a busy professional life alongside philanthropic commitments can be challenging. John acknowledges that maintaining a work-life balance is one of the greatest challenges he faces. To manage this, he emphasizes the importance of time management and being present for those who need him at specific times. Despite the hectic nature of his schedule, his passion for serving the military and nonprofit sectors drives him forward.

Giving Tuesday Military ProgramThe conversation then shifts to the Giving Tuesday Military Program, an organization designed to inspire and uplift military spouses and veterans. John discusses the organization's mission to spread kindness through random acts of generosity, and how AFFN provides financial support and matching grants to their ambassadors.

Moreover, John discusses his method of balancing work and philanthropy by treating every day as an opportunity to give back. Despite his busy schedule, he finds time to engage with this organization, underscoring his commitment to service and generosity. He further encourages listeners to get involved with organizations like the Giving Tuesday Military Program.

Getting Involved in Military Nonprofit OrganizationsJohn then delves into the topic of getting involved in military non-profit organizations. The conversation provides valuable insight into the process of vetting organizations and how one can use their passions and talents to make a difference.

John shares that one of the most important steps to getting involved in military non-profit organizations is vetting the organization. He advises listeners to check the reputation of the organization they wish to support. This can be done by looking at Better Business Bureau ratings or local rotary clubs to ensure the organization is reputable and trustworthy. Unfortunately, some organizations may take advantage of the goodwill of citizens, making this step crucial in the process of choosing a non-profit to support.

John emphasizes the importance of aligning one's passion and talents with the organization or cause they choose to support. For instance, if someone is a baker or chef, they could consider preparing meals for a Fisher House in their community. If they knit or crochet, they could make baby bonnets for NICUs or scarves and mittens for the homeless. For those with musical talent, they could volunteer to play music at military retirement homes, nursing homes, or hospice organizations.

He also mentions a unique initiative where individuals hang items such as scarves or mittens in ziploc bags with notes near soup kitchens for the homeless. This creative idea serves as an example of how individuals can use their talents and resources to support their community in unique and 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 father and son duo has each scored 50 goals in a season?

● Answer: Bobby and Brett Hull

● This week’s Military Minute question: What are the first names of the founders of Johnson & Wales 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.

● John Broda also pledged a matching donation to the charity and the winner of this week’s Military Minute.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Kevin Hutchison, Executive Director of KC Warriors, to discuss the power and community of hockey to provide not only therapeutic healing for veterans, but also as a platform to reignite the sense of brotherhood many veterans crave post-service

“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.

Ep. 38 – Healing on Ice: The KC Warriors Story with Kevin HutchisonIn today’s episode we talk with Kevin Hutchison about the inspiring work done by KC Warriors in aiding the recovery and rehabilitation of disabled veterans through the sport of hockey. Kevin says he began playing hockey only four years prior. The concept behind the KC Warriors is to reignite the sense of camaraderie and brotherhood that many veterans miss post-service.

He explains that they aim to provide therapeutic healing to disabled veterans through team sports. They are part of the USA Hockey Warriors Division, a nationwide network of over 30 teams offering a similar service. The KC Warriors have grown impressively from eight players in 2018 to 90 in the past year.

Kevin highlights how the program provides a common mission for veterans, fostering a sense of community and shared experiences. He compares this to the feeling of companionship one might miss after a summer camp or long-term experience with a close-knit group.

Kevin reveals that he began playing hockey following encouragement from a friend when his son started playing. The high cost of entry to the sport is mitigated by partnerships with other non-profits like United Heroes League, which provides equipment to veterans and active-duty members.

Kevin's account of the therapeutic impact of the sport is inspiring. He mentions that stepping on the ice allows players to momentarily escape their everyday stresses and focus solely on the game. This mental break is invaluable for many participants, demonstrating the therapeutic power of the sport.

KC Armed Forces Hockey ClassicThe KC Armed Forces Hockey Classic is an integral part of the KC Warriors program, providing a competitive and fun platform for veterans to engage in. Kevin said initially, the tournament started as a small gathering of four teams, each comprising players of mixed abilities. However, the event has grown exponentially with the latest edition of the tournament seeing twelve teams from various arms of the military and first responders, including the Army, Navy, Air Force, and Marines.

Kevin discusses the structure of the tournament, explaining that the registration fee covers the cost of the tournament. The surplus funds, raised through raffles and donations, go directly towards improving veterans' lives. In an exciting announcement, Kevin reveals the date of the much-anticipated I-70 Showdown against the St. Louis Blues Warriors. This match is eagerly awaited by players and fans alike, marking a highlight of the tournament.

The tournament's success is not just due to the players' dedication but also relies heavily on sponsors, such as Armed Forces Bank. Kevin emphasizes the significant role sponsors play in making the tournament possible. Their support is instrumental in covering the costs of the tournament and ensuring its smooth execution.

Supporting KC WarriorsKevin then discusses the organizational side of the KC Warriors hockey classic tournament. The organization and planning of such an event is no small task, and Kevin explains how committees are formed to ensure everything runs smoothly.

Fundraising plays a crucial role in the success of the tournament, and Kevin explains who is responsible for tracking donations and sponsorships, which are integral to the functioning of the tournament. Kevin emphasizes the importance of getting sponsors for the 2023 tournament, noting that any donations over a certain amount will earn the donor a spot on the jersey for next year.

Kevin says it costs an estimated $600 per month to provide minimum programming for the program's 35-45 players. These costs are offset by the generous donations of sponsors and individuals.

Finally, Kevin mentions the 2022 sponsors and the raffle prize donated by Ken Mauro, a former gold medalist and Stanley Cup winner. The raffle prize is another way the organization raises funds for the program.

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 best-selling fiction author by estimated sales?

● Answer: William Shakespeare

● This week’s Military Minute question: What father and son duo has each scored 50 goals in a season?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Krista Simpson Anderson, co-founder and president of The Unquiet Professional, discuss her passion and commitment to supporting military families, providing them with the necessary tools to thrive amidst the unique challenges they face.

“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.

Ep. 37 – The Unquiet Professional: Fostering Growth and Healing with Krista Simpson AndersonAs the wife of a Retired Green Beret Master Sergeant and a gold star spouse, Krista intimately understands the hardships and loss that military families can experience. After the death of her husband in 2013, she co-founded The Unquiet Professional, using her grief as a catalyst to make a difference in the lives of others navigating similar experiences.

The Unquiet Professional has been recognized for its impactful programs and services. From personal and professional development opportunities for military spouses to casualty support, the organization offers a comprehensive range of resources to service members and their families.

The Unquiet Professional doesn't just support military families in crisis. It proactively equips them with knowledge and tools, promoting family and financial readiness as a cornerstone of a stronger military force. One of Krista’s main philosophies is "arm yourselves and be brave", which translates to empowering military families to be prepared and resilient, rather than merely surviving their circumstances.

Krista also emphasizes the importance of community in the healing process. The Unquiet Professional provides a platform for military families to connect with each other and share their experiences, fostering a supportive and understanding environment. This sense of community is a crucial element in their journey towards healing and growth.

Partnerships, Fundraisers, and Conservation InitiativesKrista then delves into the importance of strategic alliances in the success of The Unquiet Professional. She talks about several partnerships that she has cultivated with organizations that align with her mission of empowering military families.

One of these is the collaboration with We Are the Mighty Military Families Magazine, which provides a platform for military families to share their experiences and struggles. Another partnership mentioned is with Relentlessly Resilient, a podcast that features stories of individuals who have faced adversity and found resilience. Through these partnerships, Krista has been able to share the stories of military families with a wider audience, bringing more visibility to their unique challenges and triumphs.

After prompting from Tom, Krista discusses the Virtual Memorial Mile, a fundraising initiative that gives families a platform to celebrate their loved ones' lives, not just mourn their loss. The event was not only a fundraiser but also a means for families to share their stories and experiences, thus humanizing and honoring the sacrifice of the fallen soldiers.

Powerful Stories of Overcoming AdversityKrista shares some of the inspiring stories she has encountered throughout her work, introducing listeners to the life-altering narratives of individuals and military families who have shown an immense amount of resilience in the face of adversity.

One such tale revolves around Force Blue, an organization dedicated to the conservation of marine life and the rehabilitation of veterans through diving initiatives. Krista emphasizes the importance of being around warriors who demonstrate compassion and respect, a sentiment that is deeply embedded in the ethos of Force Blue.

Supporting Survivors and Planning for the UnexpectedAs a Gold Star spouse and a key figure in the military community, Krista underscores the necessity of having a support system in place for those who have experienced loss. She highlights the importance of reaching out to these individuals, even years after their loss, demonstrating the enduring need for empathy and connection in the aftermath of grief.

Beyond offering emotional support, Krista discusses the practical aspects of planning for unexpected events. She uses her platform to educate military families on essential preparatory steps such as assigning beneficiaries to bank accounts and creating wills and powers of attorney. She emphasizes the need for individuals to be proactive in ensuring their families are taken care of in the event of their absence.

She also shares her personal experience of hosting a 10-year reunion for her late husband, a retired Green Beret. This personal story serves as a testament to her strength and resilience, as well as the power of community in healing and growth.

Krista reminds listeners to focus on the present and the future. She encourages individuals to ask for help when needed and shares a powerful quote that highlights the beauty of a community coming together. This poignant reminder serves as a call to action for listeners to be mindful of their current circumstances while also preparing for future uncertainties.

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 poem that was the inspiration behind wearing red poppies on Memorial Day?

● Answer: In Flanders Fields

● This week’s Military Minute question: Who is the best-selling fiction author by estimated sales?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Carolyn Blashek, founder and interim CEO of Operation Gratitude, shares how they massively impact the lives of U.S. service members and their families, and she shares heartwarming stories of each care package and the significance of each letter from the recipients.

“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.

Ep. 36 – A Grateful Nation: The Story Behind Operation Gratitude with Carolyn BlashekIn this podcast episode, Carolyn Blashek, founder and interim CEO of Operation Gratitude, shares the inspiring story of how the organization came to be and the tremendous impact it has had over the years. Born out of a deep sense of gratitude and a commitment to support those serving in the military, Operation Gratitude began as a grassroots initiative that has now blossomed into a nationwide movement.

The Story Behind Operation GratitudeCarolyn recounts her journey, starting from a deeply emotional encounter with a soldier at a military lounge in LAX, which became the turning point that ignited her mission to make a difference. This soldier, feeling alone and unappreciated, revealed the stark reality of many service members' lives, prompting Carolyn to find a way to show her gratitude and ensure that every soldier knows they are cared for.

This realization led Carolyn to create Operation Gratitude, an organization dedicated to sending care packages to soldiers overseas. Initially working alone, she started by sending packages filled with snacks and personal care items, including handwritten letters expressing her appreciation for their service. What started as a personal project soon caught the attention of fellow citizens and transformed into a nationwide effort.

Tom and Jodi also highlight the significant recognition Operation Gratitude has received, including invitations to the White House and the prestigious Minerva Award. Despite the recognition, the real testament to the organization's success is the countless lives it has touched.

Sending Care Packages to TroopsOne remarkable incident at a Costco store demonstrates the early stages of Operation Gratitude and the immense support it received from ordinary citizens. When Carolyn was buying supplies for care packages for troops before the invasion of Iraq, other shoppers, moved by her cause, started handing her money to support her endeavor. This spontaneous act of kindness from strangers demonstrated the nation's sentiment towards the troops at that time.

Carolyn managed to send about 650 packages before enlisting the help of a Staff Sergeant at an armory in Van Nuys. Her approach was grassroots and deeply personal, with every package containing a letter from her expressing her gratitude for their service.

The conversation also touches on the changing sentiment of the nation before and after 9/11, indicating how the level of support for the troops has fluctuated. While the visibility of troops in the public eye may have diminished, Carolyn and Operation Gratitude continue their mission to support and uplift those who serve.

Operation Gratitude's Success and Corporate PartnershipsOperation Gratitude's astounding success can be attributed to Carolyn’s astute business acumen, her indefatigable passion, and her commitment to the cause. She strategically established a dual mission for Operation Gratitude. Firstly, the organization aimed to express heartfelt gratitude to service members. Secondly, it sought to provide every American citizen an opportunity to show their appreciation to our service members. This unique approach created a platform where people could unite and give back to those who protect their freedom.

Carolyn wisely leveraged corporate alliances to gather resources and propel Operation Gratitude forward. These partnerships enabled the organization to extend its reach and increase its impact to have a nationwide movement.

Tom comments on how Carolyn’s leadership set an exemplary standard. Her passion, dedication, and selfless service inspired the volunteers and instilled in them the same values. As a result, Operation Gratitude became more than an organization. It transformed into a movement driven by unity, respect, and gratitude.

Letters and Care Packages for TroopsIn this section of the podcast, Carolyn recounts a poignant moment in her journey with Operation Gratitude, specifically when she was making her son's care package. This particular experience took place amidst hundreds of volunteers, adding a palpable sense of community and unity to the task. This, according to Carolyn, is one of the defining moments of the Operation Gratitude initiative – not only does each care package serve a practical purpose for the recipient, but the process of assembling these packages also fosters a sense of community and shared purpose among those involved.

Carolyn then shares a deeply moving letter she received from one of the care package recipients. The letter illustrated how each care package not only uplifts the spirits of the recipient but also serves as a heartening reminder of the support and appreciation that exist for them back home.

She notes that that Operation Gratitude is actively archiving all the letters they receive from the troops. Carolyn’s recollections serve as a powerful reminder of the incredible impact a single act of kindness can have when amplified by the power of community and shared purpose.

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 actor was offered the role of Jack Dawson in Titanic, but turned it down?

● Answer: Johnny Depp

● This week’s Military Minute question: What is the name of the poem that was the inspiration behind wearing red poppies on Memorial Day?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Monica Bassett, Founder and CEO of Stronghold Community Food Pantry, shares how she turned a personal quest to feed needy military families from her garage into a nationally recognized food pantry, shedding light on the unseen challenges faced by 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 military community who they are.

Ep. 35 – Stronghold Community Food Pantry’s Fight Against Food Insecurity Among Military Families with Monica BassettCombating Food Insecurity in the MilitaryMonica Bassett, Founder and CEO of Stronghold Community Food Pantry, gives a heartening and insightful talk on combating food insecurity among military families. She shares her personal journey of becoming a late-career military spouse and how it deeply influenced her life. The transition was challenging but also transformative, as it inspired her to create Stronghold Community Food Pantry to help combat food insecurity among military families.

Monica tells the story of how she started feeding military families from her garage, a personal initiative that eventually transformed into a nationally recognized food pantry. She continues by discussing the troubling statistic revealed by the Secretary of Defense that 24% of military families across all service branches are grappling with food insecurity. This revelation drove her to increase her efforts, combined with other factors that led to establishing a new branch of Stronghold at Fort Leavenworth.

In 2022, Monica was named the Armed Forces Insurance Army Spouse of the Year, which serves as a testament to her tireless work in addressing food insecurity and providing essential resources to military families. Tom and Jodi underscores Monica's unique approach in addressing food insecurity by ensuring that her services are delivered with care and dignity, always protecting the anonymity of the families involved.

Military Spouse and Community Advocate JourneyMonica explains that being a military spouse is not just about supporting a partner in service, but also being part of a larger community. It's a unique role that requires adaptability, resilience, and a deep sense of service. Monica admits that it was her experiences and interactions with other military families that opened her eyes to the pervasive issue of food insecurity in this community.

Stronghold Community Food Pantry became her mission, her way of giving back to a community that she was a part of. She shares how the pantry doesn't just provide food to those in need but also works to empower the younger generation. They strive to instill a sense of community service and the importance of giving back to those less fortunate.

Throughout her journey, Monica has been supported by organizations like Armed Forces Bank. They have been with her from the start, providing crucial support as she moved from one military base to another - from JBLM to Carson, to Riley, and now to Leavenworth.

Monica's recognition as the Army Spouse of the Year has been a significant boost for her mission. It not only validated her efforts but also amplified the conversation about food insecurity among military families. Monica shares that this award has allowed her to reach more families in need and attract more support for her cause.

Expanding StrongholdMonica elaborates on her mission to end food insecurity among military families on a national level. She introduces the Ambassador Program, an innovative initiative designed to spread the reach of Stronghold Community Food Pantry beyond the local area. This program involves vetting installations and ambassadors who will represent Stronghold, feeding military families across the nation.

The Ambassador Program has been made possible due to funding provided by the Uncommon Grit Foundation. Monica also speaks about a recent achievement – winning the top prize at the Second Service Foundation Military Entrepreneurial Pitch competition. This victory helped Stronghold gain further recognition and support that is aiding their expansion efforts.

Monica also discusses how the Ambassador Program facilitates the growth of Stronghold at a sustainable pace. This program allows for gradual expansion while ensuring that the organization's core mission remains the same – to serve military families facing food insecurity with care and dignity.

Challenges and Support for Military FamiliesMonica candidly shares her personal experiences with the unseen difficulties faced by military families. She discusses how military families are often trapped in a cycle of hardship due to factors like moving expenses, delays in reimbursement, and unexpected occurrences such as her own experience of having to rent a hotel room for seven weeks due to a flooded house.

She goes on to reveal how the military culture of "Don't Ask, Don't Tell" exacerbates these problems, explaining how military families are often discouraged from discussing their struggles, leading to an increased sense of isolation and despair. This culture of silence, she argues, makes it even more critical to provide support and resources for these families in need.

Monica talks about their drive-through event that happened on Father's Day and their mobile delivery services. These initiatives aim to provide accessible, convenient solutions to food insecurity, and to send a message to military families that they are not alone and that help is available.

Moreover, she mentions the importance of data in shedding light on the reality of food insecurity among military families. She shares how data collected by organizations such as Blue Star Families and MFAN has been instrumental in driving change. Monica notes how she sees Stronghold not just as a food pantry, but as a vehicle for raising awareness and sparking systemic change in the way society supports military families.

Finally, Monica emphasizes the importance of building community and establishing trust with the families she serves. This, she says, is the key to breaking down barriers and creating an environment where families feel safe and supported. In doing so, she aims to change the narrative for military families, from one of struggle and silence to one of strength and community support.

Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.

● Last episode’s Military Minute: The marathon course of the 1972 Munich Olympics was shaped like the mascot Waldi, which is what type of dog?

● Answer: A Dachshund

● This week’s Military Minute question: Which actor was offered the role of Jack Dawson in Titanic, but turned it down?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Tom Tice, President and CEO of Warrior Strong Inc., shares his journey of empowering veterans through wellness and his commitment to helping them rediscover their purpose. They also discuss the incredible free health and wellness programs Warrior Strong offers, and how they foster inclusivity and camaraderie among veterans.

“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.

Ep. 34 – Empowering Veterans through Wellness: A Conversation with Tom Tice, CEO of Warrior StrongTom Tice, President and CEO of Warrior Strong, tells us about his background in exercise science, and how he developed a strong desire to assist veterans transitioning into the civilian world by connecting them through health and wellness programs.

We learn how Warrior Strong provides free health and wellness programs to the veteran community, with a focus on yoga and meditation. Tom shares his passion for inclusion, explaining how Warrior Strong is dedicated to providing veterans, veteran family members and first responders with resources and programs to support their health and wellness.

Suicide Awareness in Active Duty and Veteran CommunitiesTom describes a pivotal moment that galvanized him to take action and focus his efforts on the mental health of veterans. He shares his experience of attending a suicide awareness training, an event that left a lasting impact on him.

Tom was invited to the training by the Garrison Commander at the Picatinny Arsenal. He arrived at the training feeling somewhat out of place, being the only civilian there amongst military personnel. Throughout the training the reality of the situation struck him hard as he learned about the devastating impact suicide has on both active-duty service members and veterans.

One of the most poignant moments was when the Garrison Commander openly acknowledged that he had lost more men and women to suicide stateside than he had during overseas deployments. This alarming fact made Tom realize that the fight for mental health was just as essential as any battlefield confrontation.

The training not only highlighted the high rates of suicide among service members and veterans but also shed light on the mental health struggles faced by many. It sparked a determination in Tom to augment the mental health sector within the veteran community.

This experience ultimately led to the creation of Warrior Strong, an organization that provides free community exercises, mental health relief, adaptive fitness and sports, health and wellness retreats and other programs to veterans. Tom is working for mental health support within the veteran community, and understands how awareness and understanding can spur individuals to take action and make a difference.

Supporting Veterans with Expanded PartnershipsWe hear about Warrior Strong's strategic partnerships with Armed Forces Financial Network, Fisher House Foundation, and Wounded Warrior Project, and how they are helping to expand their program offerings and connect with other veteran organizations.

Tom also speaks about the importance of American Legion and VFW posts and how Warrior Strong is working with them to help them transition and adapt in order to stay alive and serve their community. Tom shares his vision for the future of Warrior Strong, including growing the programs, offering more classes, getting more veterans certified, and having larger wellness retreats.

Stories of Veteran ImpactTom Tice shares two inspiring stories of how Warrior Strong has helped veterans. He talks about Christopher Smith, a two-time combat veteran in Iraq who never did yoga before, but found Warrior Strong. He went on to get his yoga certification, even before Warrior Strong had a certification program. Today, Christopher is the lead yoga instructor at Warrior Strong, sharing his experience and helping other veterans find their peace and purpose through the practice of yoga. It's a full-circle moment that embodies the essence of Warrior Strong's mission.

The second story that Tom shares is about Kenny Keith, another combat veteran who had a life-altering experience after his deployment. Post-service, Kenny was involved in a car accident that left him paralyzed from the waist down. Despite the physical setback, Kenny's spirit remained unbroken. He was introduced to Warrior Strong and their adaptive fitness programs.

Seeing his determination, Warrior Strong helped Kenny get his adaptive certification in training. Today, Kenny is the face of Warrior Strong's adaptive fitness training videos. He is an inspiration to other veterans dealing with physical disabilities, showing them that their current condition does not define their future potential. Kenny is a living testimony to the transformative power of Warrior Strong's programs and the resilience of the human spirit.

Through these stories, Tom Tice underscores the impact of Warrior Strong's initiatives, not just in terms of physical health, but also in empowering veterans to find new purpose and community.

To learn more about Tom’s story, or to get involved with Warrior Strong, we encourage our audience to learn more at https://www.warriorstronginc.org/ or download their app on Apple or Android.

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 1952 the US Air Force created Project Blue Book to study what?

● Answer: UFOs

● This week’s Military Minute question: The marathon course of the 1972 Munich Olympics was shaped like the mascot Waldi, which is what type of dog?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Robin Kelleher, Co-Founder and CEO of Hope For The Warriors, discuss how Hope For The Warriors provides financial education, scholarships, internships, and employment opportunities to service members 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. 33 – Hope For The Warriors with Robin KelleherRobin Kelleher, the CEO and co-founder of Hope For The Warriors, shared her extensive background, including her entrepreneurship, leadership, and passion that have led the organization to success.

Hope For The Warriors was founded in 2006 by military spouses who wanted to provide comprehensive support programs for service members, veterans, and military families. The organization is focused on transition, health and wellness, peer engagement, and connections to community resources. She tells the story of how they got started with an event to bring the community together.

Supporting Military Spouses and FamiliesRobin explains how the organization has been providing scholarships, internships and employment opportunities to military spouses for over 16 years. She also explores how the organization has evolved over the years, noting that since they are actively involved in the community, they are able to be on the pulse of what is needed most.

This led the organization to address the challenges of post-traumatic stress and the stigma around mental health. Robin adds that if we can help solve those issues in the military community, the general public would also benefit. She explains how there is past precedence of this, where findings amongst the military community have led to better outcomes for the civilian population.

Podcast Launch and Impactful StoriesRobin also notes that their organization has launched a new podcast that helps further their mission to serve service members and their families. Hope For The Warriors has been providing support to the military community for 16 years, addressing food insecurity, home insecurity, and employment.

The organization has raised $75 million, but Robin stresses that they can always use further support, and tells the listeners how they can get involved to provide meaningful support. She says that the easiest way is to go out to their website: https://www.hopeforthewarriors.org/

Hope For The Warriors has had a positive impact on the community and is helping to create a brighter future for those in the military.

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 most watched YouTube video of all time?

● Answer: Baby Shark Song

● This week’s Military Minute question: In 1952 the US Air Force created Project Blue Book to study what?

● 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Master Sergeant Blaine Scott from Semper Fi & America’s Fund, discuss his incredible story of service and injury that led to the life-changing support he received from the organization. He explains how they support veterans and veteran owned business startups, and how you can help the organization.

“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.

Ep. 32 — Semper Fi & America’s Fund with Master Sergeant Blaine ScottJodi introduces Master Sergeant Blaine Scott from Semper Fi & America's Fund. She then shares the story of his service in the Marine Corps and his personal experience of being wounded in Iraq and later returning to active service in Afghanistan.

Blaine talks about the mission of Semper Fi & America's Fund, which is to support combat-wounded service members, veterans, and military families from all branches of the U.S. Armed Forces. Blaine explains how the organization helps service members and their families with small things like gas for cars and hotel rooms to bigger things like vehicle and house modifications and helping with bills.

He then shares his personal story of how the organization has supported him and his family from the time of his injury to the present day. For Blaine and his wife, this including providing baby clothes and furniture when they were starting out. Blaine's story is a reminder of the organization's commitment to helping veterans for the rest of their lives.

Semper Fi & America’s Fund ProgramsBlaine explains how case management is the backbone of Semper Fi & America’s Fund for service members, helping them build relationships and trust so they can access the resources they need. He explains how the case managers build that relationship for the long term, actively calling the service members asking what they need assistance with. He notes that his wife is one of the case managers.

Blaine then discusses their apprenticeship program that helps veterans to build businesses. He explains the importance of their support in providing emotional and financial resources to veterans. He continues by sharing the numbers of the Fund, including how they've helped over 30,000 veterans and given out over $280 million.

He continues by telling the story of one of the veterans they have helped, drawing attention to the lifelong relationship they form. He explains how a number of combat injuries have a lifelong impact, and how they have helped veterans over the years.

How to Support Semper Fi & America's FundBlaine notes how word-of-mouth is a key factor in the success of Semper Fi America's Fund. He explains that they would rather spend the money on veterans than pay for advertisements to bring in more donations. This reason is why they are able to give almost $0.92 per $1 donated towards assisting veterans.

He continues by mentioning the many ways people can get involved, either by volunteering, providing financial support, or visiting their website to learn more.

Blaine and Jodi joke about Jodi’s experience being a military spouse and how her nickname of ‘Household 6’ is still affectionately used at home. Jodi then asks Blaine to discuss how he feels being able to give back to the veteran community, that he is a part of. He explains how rewarding it is being able to help other veterans and service members achieve their goals.

Military MinuteJodi concludes the episode by introducing the Military Minute, beginning by closing out last episode’s Military Minute.

● Last episode’s Military Minute: What movie recently became one of the top 5 grossing movies of all time?

● Answer: Top Gun Maverick

● This week’s Military Minute question: What is the most watched YouTube video 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Mark Doyle, founder of Rags of Honor and Veteran Roasters, discuss his incredible journey that led him to create businesses that focus on providing low-barrier entry jobs for homeless and chronically unemployed veterans.

“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.

Ep. 31 – Rags of Honor and Veteran Roasters with Mark DoyleMark Doyle, founder of Rags of Honor and Veteran Roasters, joined us for an inspiring conversation to detail his journey from being a financial subject matter expert in Afghanistan to creating businesses that focus on providing low-barrier entry jobs for homeless and chronically unemployed veterans. His dedication to making a difference in the lives of veterans is truly admirable, and we were captivated by his passion for helping our nation's heroes.

During our conversation, Mark shed light on the challenges faced by veterans, such as high unemployment rates and homelessness, and how his silk screen shop and coffee roastery are providing much-needed lifelines. We also discussed an upcoming venture with Veteran Roasters, which promises to create even more job opportunities for veterans. As if his story wasn't inspiring enough, Mark also shared his experiences working with Joe Biden and his time in Afghanistan, which ultimately fueled his desire to create these life-changing initiatives.

Making a Difference for VeteransMark Doyle's commitment to helping veterans is remarkable. His business, Rags of Honor, is a silk screen shop that is 100% run and operated by homeless and chronically unemployed veterans. This initiative aims to provide low-barrier entry jobs, giving veterans a chance to re-enter the workforce and regain their independence. To date, Rags of Honor has hired over 100 veterans, providing them with a stable income and a sense of purpose.

In addition to Rags of Honor, Mark founded Veteran Roasters, a veteran-owned and staffed coffee brand that sources, roasts, and distributes its own coffee beans, cold brew, and other coffee products. This venture not only provides employment opportunities for veterans but also gives them a chance to learn valuable skills in the coffee industry.

The Impact of Veteran-Supportive BusinessesThe impact of businesses like Rags of Honor and Veteran Roasters cannot be understated. By providing stable employment opportunities and a supportive environment, these ventures help veterans break the cycle of homelessness and unemployment. For many of these individuals, having a job and a steady income is a crucial step towards regaining their independence and dignity.

Mark's upcoming venture, Veteran Roasters, promises to create even more job opportunities for veterans. Potentially partnering with Veterans Community Project, they aim to create a community where veterans can live and work, as they build their civilian life. This initiative will build on the success of Rags of Honor and Veteran Roasters, further expanding the support available to veterans in need.

Supporting Veterans: Engaging with Veteran Organizations and Utilizing ServicesMark believes that engaging with veteran organizations and utilizing services that prioritize the hiring of veterans is essential for addressing the challenges faced by this population. By supporting these initiatives, individuals and businesses can help create a better future for veterans in need.

In addition to supporting businesses like Rags of Honor and Veteran Roasters, individuals can also make a difference by reaching out to veteran organizations and using services that prioritize the hiring of veterans. This not only provides much-needed support to veterans but also helps raise awareness of the issues they face, encouraging more people to get involved in helping this vulnerable population.

Military MinuteJodi concludes the episode by introducing the Military Minute, beginning by closing out last episode’s Military Minute.

● Last episode’s Military Minute: The Swiss Constitution prohibits Swiss citizens from participating in foreign military service, except for the military unit responsible for guarding what area in Europe?

● Answer: Vatican City

● This week’s Military Minute question: What movie recently became one of the top 5 grossing movies 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Major Bonnie Carroll, TAPS President and Founder, discuss how TAPS provides support to those grieving the loss of a loved one in the military. They also explore the organizations impactful programs, events, and advocacy efforts.

“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.

Ep. 30 – Tragedy Assistance Program for Survivors with Bonnie CarrollJodi introduces Bonnie, including her military history, before founding Tragedy Assistance Program for Survivors (TAPS) in 1994.

In addition to founding TAPS, Bonnie has held government appointments such as the White House liaison, the Department of Veterans Affairs.
Jodi also lists many Board of Directors that Bonnie has sat on throughout the years.
Bonnie also coauthored Healing Your Grieving Heart After a Military Death, and has appeared on many national programs speaking about military loss.
She has also received many award including the Presidential Medal of Freedom, the Distinguished Civilian Humanitarian Award from the Department of Defense, any many more.
Bonnie says that after the unexpected death of her husband in an Army plane crash, she redefined who she was and what her next chapter was going to be about.

TAPS Mission and ProgramsJodi then asks Bonnie to describe the mission of TAPS and what the organization is all about.

Bonnie explains the story of why and how the organization began, after she realized there was no organization to support those who had lost a loved one in the military.
She realized that between her own military experience and background working with nonprofit organizations, she needed to stop up and create the organization.
Bonnie continues detailing how TAPS has played a major role in connecting care for more veterans who developed cancers and pulmonary issues due to their time in the service.
She says that in addition to continuing support groups for those grieving, TAPS is also pushing for the Love Lives On Act that allows a military widow to remarry before age 55 without losing benefits.

After discussing the artists on the Love Lives On album, Tom asks Bonnie to share some other programs and highlights of the work TAPS has accomplished over the years.

Bonnie notes how TAPS steps into the space that isn’t covered by the government, with their number one core service being a national network of per based emotional support.
She explains how grief is a normal human response to love, and the loss of a loved one, which is why they added nearly 9000 new surviving family members last year.
Last year, she says they had over 1000 events, including community -based care groups called TAPS Togethers, regional survivor seminars, empowerment camps, retreats, and outdoor programs.
Bonnie adds that in addition to all of those pieces, they also assist with casework to expand the support available to families, emergency financial assistance, and education services.
Since the beginning of the year, they have fielded almost 500 education requests to help surviving families understand their benefits, securing $116.8 million for surviving children.

How to Support TAPSTom then asks Bonnie how others can connect with the organization to either participate or support an event.

Bonnie begins by noting their very broad assortment of events, meeting people exactly where they are.
She adds that their National Military Survivor Seminar and Good Grief Camp is coming up over Memorial Day weekend.
She continues by explaining that everything they do is through donation dollars, and people can learn about how far those donation dollars go at www.taps.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 was the name of the one president who served as an enlisted man in the military and did not go on to become an officer?
Answer: James Buchanan
This week’s Military Minute question: The Swiss Constitution prohibits Swiss citizens from participating in foreign military service, except for the military unit responsible for guarding what area in Europe?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Bob Thomas, CEO of Operation Homefront, discuss how they help military families in urgent need of assistance. Bob runs through their myriad of programs and different ways they help active-duty service members and their families make the tough transition 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 military community who they are.

Ep. 29 – Operation Homefront with Bob ThomasJodi introduces Bob, including his military history, before introducing Operation Homefront.

Bob served nearly 31 years of distinguished service in the Air Force, the last assignment was directing education and training programs for officers of the Air Force.
Operation Homefront, a nonprofit that has proudly served America's military family since 2002, provides relief, resiliency and recurring family support programs and services throughout the year to help military families overcome short term difficulties so they don't become long term hardships.

Jodi then asks Bob to continue discussing Operation Homefront, including how the organization got started.

Bob describes the mission of their organization and how they help build strong, stable, and secure military families.
He continues by telling the story of how they got started by two spouses in a garage, looking for ways to help the troops.

Help for Military FamiliesTom runs over statistics of how many military families, veterans, and military dependents they have helped, and asks what the secret sauce is behind all the great achievements.

Bob gives praise to their donors, saying that without them they wouldn’t be able to provide any of their programs.
He also runs over some milestone achievements the organization is planning to achieve this year, including supporting their 750th military family in a transitional housing village.
He describes a few of their military support programs and partners, and how they help with anything from collecting school supplies to providing holiday meal assistance to military families.

Jodi notes that military families are very proud community, and asks what situations the military find themselves in when asking for assistance.

Bob says the vast majority of people they help through their critical financial assistance program are those that have recently transitioned out of the military.
He describes the very difficult transition military members have to make when leaving the military for the civilian world, and how this is a vulnerable time for them.
Bob then tells a story of one person they helped, and how they were able to save his family from becoming homeless due to missed mortgage payments.
Tom notes that there are Air Force Relief Aid, Navy Relief Aid, and Army Emergency Relief, which Bob notes are not always able to help at the last minute, and may be location specific.

Jodi comments about how much time Bob has spent serving in the military, and continuing that service now by helping military families in need.

Bob discusses his time in the Air Force, and dives into his personal background of being born on, and growing up in, military bases.
He continues by identifying with those military families in need, describing how good it feels to be able to help them get through a tough situation.

Operation Homefront Programs and AssistanceTom asks how they decide which programs take priority, and what the process looks like to identify the programs that meet the military community’s needs today.

Bob says they are focused on the relief space, especially in critical financial assistance and transitional housing.
He describes the underlying importance of housing to supporting the entire military family, and making sure they can have a safe space to grow.
He adds that if someone is struggling with their mortgage, they pay the mortgage servicer, landlord, etc. directly to ensure the donor’s money is being used effectively.

Jodi begins asking about the role their leadership team and board help in fulfilling the mission Operation Homefront has laid out.

Bob describes everyone’s commitment to their mission, noting that the board members are not paid, and in fact they pay and make a commitment to support the organization.
He then tells the story of one of their board members and their connection to supporting the mission.

Get Involved and Month of the Military ChildTom asks how people can get involved with Operation Homefront.

Bob says the best place to get information is their website: www.operationhomefront.org
Through the website, you can see bios of board members and the exec team, stories of the military families they have helped, apply for financial assistance or their housing programs, as well as find ways to donate or volunteer.

Tom follows this up by asking about their involvement in the 15th annual Month of the Military Child Celebration happening in D.C.

Bob says the event helps put a spotlight on the service and sacrifice military families make all the time.
He then tells stories about some of the military children that apply to be awarded, and how remarkable they are.

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 made more money playing poker during his Navy days than he did from his military paychecks?
Answer: Richard Nixon
This week’s Military Minute question: What was the name of the one president who served as an enlisted man in the military and did not go on to become an officer?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Mitch Fitzpatrick, Director of Training and Outreach at VetBiz, discuss how they help veterans and military spouses start or grow their veteran owned business, the resources available, and benefits of being involved in the military community.

“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.

Ep. 28 — VetBiz with Mitch FitzpatrickJodi introduces Mitch, going over his military history, before introducing VetBiz.

Mitch is the Director of Training and Outreach for VetBiz, which is a nonprofit dedicated to helping veterans and military families achieve their dream of owning a business by transitioning military skills to business success.
The goal of VetBiz is to strengthen communities by building strong veteran small businesses.
Mitch connects veterans, military spouses, and active military members with business resources.

VetBiz Helps Veterans and Military SpousesJodi notes that Armed Forces Bank also aims to help veteran owned businesses be successful, and asks Mitch to go into more detail about VetBiz.

Mitch says VetBiz operates as a resource partners Veterans Benefits Outreach Center (VBOC), as part of the Small Business Administration (SBA).
He adds that they are focused on providing no cost resources to the military community, including military spouses.

Jodi follows up by asking what the distribution is between veterans, military spouses, and other groups that they serve.

Mitch says that a large part are transitioning service members, describing how Boots to Business Program.
He says that they are at the forefront with VBOCs including military spouses, and that they make up about 30% of who they serve, with the other 70% being military and veterans.
Mitch says that the Boots to Business is typically held on military installations over two days, and the refresher Reboot Training is one day that is held online.

How to Start Your Veteran Owned BusinessTom asks Mitch to walk through the steps of how a veteran would begin starting their own business.

Mitch walks through a couple of their touchpoints, and how they meet with individual veterans to get them the right resources.
Tom follows this up by asking what the biggest fear is for a veteran or military spouse that might be starting a business.
Mitch says it is likely imposter syndrome, but he helps them by getting them to recognize the soft skills they already have from their time in the military.
Tom notes that part of getting a small business loan is getting approved for credit, and how their military background can help with credibility.

Jodi understands how difficult it is for transitioning military members, and asks how important VetBiz or an organization they might refer them to are to that community during that time.

Mitch runs through statistics of military wanting to start businesses, and current military owned businesses compared to their demographics.
He says that they help bridge that gap to give them the training and strategy to start their own businesses.
After Tom chimes in with statistics, Mitch continues noting that just being a veteran does not guarantee a successful business.

Veteran Business Help and SupportTom asks Mitch how his military experience helps him walk in the footsteps of those looking for assistance.

Mitch reiterates the importance of the soft skills that people develop in the military.
He goes through how his time serving has molded his mindset, and how he uses that when helping other veterans.
After prompting from Jodi, Mitch discusses the importance of some of their training compared to the increasing other number of resources that are available for veterans.

Tom asks how Mitch has seen communities be strengthened by the growth of veteran owned small businesses.

Mitch notes that service is at the heart of what they do, which is why they often hire other veterans, as they have the same heart.
He runs through the reasoning on why small businesses are the lifeblood of communities.
Jodi says that Armed Forces Bank retail locations are proud to be staffed by 85% veterans, military spouses, or dependents.

Veteran Transferrable Skills to WorkforceJodi asks what are the most transferrable skills that Mitch sees when working with veterans.

Mitch goes back to the soft skills that are developed during their time serving in the military.
He then runs through some examples of how he helps those transitioning veterans understand and relate those skills to entrepreneurship.

Tom talks about some of the testimonials VetBiz has received over the years, and asks Mitch for some of his favorite stories of people that have gone through the program.

Mitch discusses the different stages that they can help clients, from starting the businesses to growing the business.
He then gives examples of some of his favorite stories from previous clients.
Mitch also explains the importance of their training such as VetBiz Activate, and how it helped a previous client.

After further questioning from Tom, he runs through the difference between VetBiz and vetbiz.va.gov

Tom runs through the area that VetBiz can help people, which Mitch adds to and includes the Saint Louis Metro Area including Scott Airforce Base.
He notes that if someone from outside their area contacts them, they will let them go through the training and then connect them with the VBOC in their area to find more veteran business services.
After prompting from Tom, Mitch talks about upcoming VetBiz events.
He wraps up by encouraging veterans and military spouses to reach out to their SBA to get connected to the resources they need to get their business up and running.

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 initially supposed to be Luke Skywalker’s last name in the original script for Star Wars: A New Hope, that eventually was used as the name for a military base?
Answer: Starkiller
This week’s Military Minute question: Which President made more money playing poker during his Navy days than he did from his military paychecks?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest David Kim, Co-Founder and CEO of Children of Fallen Patriots Foundation, discuss the background and start of the foundation, current goals of the foundation, and how they aim to help fund every children of a fallen patriot.

“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.

Ep. 27 — Children of Fallen Patriots Foundation with David KimIntroducing David Kim and Children of Fallen Patriots Tom and Jodi introduce their guest David Kim, and give his military background and current career, and ask him to explain his organization.

David says that the mission of Children of Fallen Patriots is to provide college scholarships for military children of all branches who lost a parent in the line of duty.
He says this is their way of honoring the sacrifice of our fallen heroes by investing in the future of their children.

Tom congratulates David on recently winning Veteran of the Year, and asks about David’s personal connection with the mission and with Sgt. William Delaney Gibbs.

David talks about their shared time in the 7th battalion, and his death a short time before the birth of his daughter.
He says that thinking about his daughter was what prompted him and his wife to start the foundation.

Connect with and Support Children of Fallen Patriots FoundationJodi asks how children get connected with the organization, how do they receive help, and how many children have they helped so far.

David says that there are about 25,000 gold star children, and they are trying to find all of them and put them into a single database, noting that they have found about half.
He explains how they find other gold star children through partnerships with the VA, Gary Sinise Foundation, and other organizations serving the same population.
He continues by noting they have helped roughly 3,000 students go to college, half of which have graduated debt free.
David goes over the financial gap that currently exists in trying to send all of these students to college.
Tom refences the tightknit world of military supporters, including the likes of Sam Meek, the Pat Tillman Foundation, and encourages how they are all working towards a common goal.

Tom asks David to go into detail about how their support has helped families over the years.

David says that they think of it as wholistic care, trying to get those students through college debt free to lighten the burden.
He adds that they also provide emotional care and support for their students, and tells the uplifting story of one their students who connected with other individuals like her.
He continues by discussing their career seminars that they host to help those students find internships and jobs.
After Jodi asks how a company can get involved with those career seminars, David explains a number of companies and their varied ways of giving.

Background and Inner Workings of Children of Fallen Patriots FoundationJodi asks how David manages to work a fulltime job on top of working with the organization.

David notes how great his team and board are, mentioning that most of those are veterans or gold star children.
He also thanks to all the people that donate to supporting our veterans and their families.

Tom asks David to speak about the different and innovative ways the organization raises money.

David explains how there are individuals in addition to corporate sponsors who raise money through a variety of ways.
He then gives examples of some of the different ways individuals have raised money.
David continues the topic by discussing where the money goes, how it is used, and noting that they have a 100% on charity navigator.

Family and Foundation Goals Jodi asks how David enjoys getting to work together on the Foundation.

He talks about how great working with his wife has been, and how inspirational she is.
David also mentions their background and upbringing, and the tough times when they first started the organization.
Tom and David discuss some of the other people they both work with, as the military community and military banking community are intertwined.
Tom continues the conversation by asking David to talk about his family and their trajectories in life.

Tom notes that David is 10% of the way to his goal for the Foundation, and asks if there is anything else he would like to achieve.

David says his big goal is still to find all 25,000 students, and get them funded by raising $600 Million.
He says they are a focus factory and that his goal is go achieve those things before he stops working on it.

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 name of the first bakery opened in the United States?
Answer: United States Bakery or Franz Family Bakery
This week’s Military Minute question: What was initially supposed to be Luke Skywalker’s last name in the original script for Star Wars: A New Hope, that eventually was used as the name for a military base.
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Meghan Ogilvie, CEO of Dog Tag Inc., discuss how their bakery business got started, details about their fellowship program for veterans, military spouses, and military caregivers, and ways that you can get involved.

“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.

Ep. 26 — Dog Tag Bakery with Meghan OgilvieIntroducing Dog Tag Inc. and Meghan OgilvieTom and Jodi joke around with Meghan before introducing Meghan Ogilvie, CEO of Dog Tag Inc.

She discusses the motive behind Dog Tag Bakery and their innovative 5-month fellowship program.
Jodi then continues discussing more of Meghan’s background, including her family’s military service.

The Mission Behind Dog Tag BakeryJodi then ask Meghan to explain the story behind Dog Tag Inc. and Dog Tag Bakery.

Meghan walks through the history of Father Rick Curry and Constance Milstein, who were both avid bakers and advocates for military families.
She then continues by explaining how the two met and together opened Dog Tag Bakery, and the mission to empower veterans with service-connected disabilities, military spouses. and military caregivers.
Meghan then talks about the beginning of their fellowship program, and what is involved in the programs.

Tom asks about whether Dog Tag Bakery has a full bakery in both locations, Washington D.C. and Chicago.

Meghan says that they only have a full bakery in D.C., and talks about some of the memorabilia that can be found in the bakery, including a massive chandelier made out of veteran dog tags.
She mentions some of the baked goods they sell, and adds that they are nut-free certified.
She then discusses their coffee that comes from Compass Coffee, which was started by two marines in Washington D.C., and their partnership with Veteran Roaster in Chicago that employs formerly homeless veterans.

Dog Tag Fellowship ProgramJodi asks Meghan to give more details about the Dog Tag Fellowship Program, and how people can become a part of it.

Meghan says they look for veterans with service-connected care, military spouses, and caregivers and discusses the application process.
She goes into details about the program, and more specifics about what the program entails.
She discusses the struggles of transitioning from being an active military member to part of the civilian workforce, and how they help through their program.
Meghan then describes the different aspects of the program, such as wellness, academic, experiential, and networking pieces.

Jodi asks how others might get involved in or support the program, and Tom asks for some stories about the fellowship’s alumni.

Meghan mentions different ways to get involved such as donating or volunteering.
She then tells the stories of a few different fellowship alumni, including an Air Force Veteran.

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 letters to recruits in training and deployed service members has Sandboxx sent?
Answer: 8.5 Million
This week’s Military Minute question: What was the name of the first bakery opened in the United States?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Sgt. Sam Meek, Founder and CEO of Sandboxx, discuss their founding story, how they help the military and their families stay connected, and how they support the military community.

“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.

Ep. 25 — Sandboxx with Sgt. Sam MeekSandboxx Beginnings and Introduction of Sgt. Sam MeekBefore introducing Sgt. Sam Meek, Tom asks him to tell the listeners the story of how they came up with the name Sandboxx.

Sam explains the story of how they came up with the name, and the meaning behind having two x’s on the name.
Jodi then properly introduces Sam, and describes his service history as a Nuclear Biological Chemical Defense Specialist, continuing on to work in reconnaissance, and serving two tours in Iraq.

Send Letters to Military with SandboxxJodi follows that up by asking Sam to explain how he moved from that life to where he is now working on Sandboxx.

Sam briefly touches on how pivotal his military service was to shaping who he is, and then explains how he began creating a platform to help our military be successful.
He describes the initial goals of the startup, launching their app, and the problems they seek to address.
He notes that after their initial launch, only sending a few letters per day, how being able to send a letter to someone in basic training is now a main staple of their business.
Sam adds that the marines were the first to quickly realize the importance that receiving those letters had on morale.
He also notes that they currently onboard about 70% of new DoD members.

Supporting Military Members and Families Stay ConnectedTom then asks Sam to speak about their new ‘Muster’ app.

Sam discusses the feature they initially launched with was called “units” that allowed people to communicate better.
He explains how when they first implemented it, they experienced an empty man in the room scenario.
He continues by explaining that now they have a critical mass, they are re-implementing the feature with new updates to allow for even better communication.
Sam lists off some features of the app for recruiters, and how it helps them perform their job better.

Jodi asks what other means Sandboxx offers support to military members and their families.

Sam notes that most of what they deliver is specific to the individual, after creating a Sandboxx account.
He says that a lot of the value people can get comes out of their news channel, adding that they communicate a lot via their YouTube videos as well.

Tom asks how many men and women join the military each year, and how many they support through their various pipelines.

Sam gives numbers for heavy vs. light years of recruitment, and notes that they get about 70% of those that sign up.
He explains how Sandboxx provides support not only those joining, but also their families and relatives receive information and feel at ease.
After prompting from Tom, Sam then talks about the team behind the scenes at Sandboxx, and how they feel that they are serving their country as well.

Sandboxx Partners Provide Assistance to MilitaryTom wraps up by asking about partnerships other organizations might have with Sandboxx.

Sam says that they recognized to do what they wanted to do, the right way, they would have to bring the right partners to the table.
He says more than the companies that just want to advertise, but the ones who truly care about the military and want to provide positive impact for the military, are the businesses they partner with.
He finishes by thanking Armed Forces Bank for their support over the years, and for how they support the military.

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 one of the partners of Next Move Military?
Answer: Armed Forces Bank
This week’s Military Minute question: How many letters to recruits in training and deployed service members has Sandboxx sent?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Clint Jordan, Director of Next Move Military, discuss the story of how they got started, how they help military families during PCS or any other move, and other ways they help the military community.

“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.

Ep. 24 — Next Move Military with Clint JordanIntroducing Clint Jordan and Next Move MilitaryJodi introduces Clint Jordan, discussing his 21 years of service history, and what he is doing after.

He got into real estate, achieving great success, and becoming an expert in military home buying.
Clint has also become an expert in the VA Loan process, market analysis, investing, wealth building, and the needs of veterans and their families.
As director of Next Move Military, his vision is to help educate military families about the benefits of home ownership and the path towards financial freedom.

Jodi then asks Clint to discuss how Next Move Military got started and the mission of the organization.

Clint begins by noting that they are a network of veteran and military spouse real estate agents.
He briefly tells the story of how he came up with the idea, and how the organization got started, and their selection process of selecting new real estate agents.
Tom and Clint discuss how and why Armed Forces Bank became a financial partner of Next Move Military.

Services for Veterans and Military FamiliesTom asks about the myriad of services they provide and who they provide those services to.

Clint notes that their agents, because they all have military experience, they understand all of the different processes.
He adds how he recruits others into their military network, and the importance of educating others on the home buying process for the military.
After prompting from Tom, Clint says that their educational material can be found at www.militarypcs.com
To begin the process with Next Move Military, click the contact button on their website.

Next Move Military Agents and GrowthTom asks Clint about his network of military real estate agents, and how they are selected.

Clint discusses their vetting process for real estate agents that are looking to join their network.
Tom then adds a testimonial from someone within the network about their cohort.
Clint says that their agents started off by finding agents within major military markets, and then expanded to include most any city.

Clint adds that their next step of growth is to donate service animals.

He discusses the process of funding and raising a service dog through Second Chance K9 for a service member in need.
He notes that this is their first step in looking for additional ways to help military veterans.
Tom adds that they are of like minds, noting their partnership with Southeastern Guide Dogs.

Connect with Next Move MilitaryJodi asks what populations they service, and what other places people can find them.

Clint says that they are big on Instagram and Facebook, and they are working to build their YouTube as well.
He adds that they service all branches including DoD, civilians, and then mentions AFB’s Hero Loan Program for veterans, educators, law enforcement, firefighters/EMTs, and nurses.
After prompting from Tom, Clint discusses what differentiates them from some of their competitors, even though he doesn’t view them as such.

Jodi asks if there are any other services or things they provide for veterans that they hadn’t asked about.

Clint says that he owns a CrossFit gym, and says they are almost entirely veteran owned.
He says their goal is to fund the gym through real estate and provide memberships for free to every veteran.

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 TLI?
Answer: Tillman Leadership Institute
This week’s Military Minute question: Who is one of the partners of Next Move Military?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Dan Futrell, CEO of the Pat Tillman Foundation, discuss the story of how they got started, the impact the foundation and their scholars have had, and share a number of ways to get involved.

“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.

Ep. 23 — Pat Tillman Foundation with Dan FutrellIntroducing Dan Futrell and the Pat Tillman Foundation

Jodi introduces Dan Futrell, CEO of the Pat Tillman Foundation, and discusses his background, including his time serving as a Ranger Qualified Infantry Officer in Iraq.

His background also includes being awarded multiple military awards, as well as being a Tillman Scholar himself.
Dan then shares Pat Tillman’s story of going from playing in the NFL to then joining the U.S. Army Rangers after 9/11.
Dan notes that while he never met Pat, he can still tell how present he is in the mission of the organization today.

Jodi then asks Dan to share how Pat’s life has translated to the pillars of the foundation, and what they do for the community.

Dan discusses how the Pat Tillman Foundation was started, and what it looks like today.
He adds that the Pat Tillman Foundation sees their goal as amplifying the impact of their scholars.
He continues by describing the connections Pat had with those around him, and how the foundation aims to continue that ripple effect through their efforts today.

Impact of the Pat Tillman Foundation and Tillman ScholarsTom asks Dan for more details about the impact the foundation has had, and their expansion over the years.

Dan says they select 60 Tillman Scholars each year, which is about a 3% selection rate.
He notes that the board decided to serve a few individuals more deeply than to serve a larger number of individuals not as much.
He continues by discussing their partnerships with universities, and their Tillman Scholars that are currently enrolled.

Jodi asks Dan to talk more about the application process for those who want to become a Tillman Scholar themselves.

For veterans or military spouses, go to apply.ptf.org and apply before the end of February.
He then shares the importance of a cover letter by someone that knows you well, and the essay questions that are a part of the application.
He also notes that there are more resources on their YouTube channel, or reaching out to Tillman Scholars to ask for their assistance.

Tom asks Dan to discuss some of the partnerships the foundation has.

He discusses their partnership with Service to School, and the Warrior Scholar Project.
He explains that their Tillman Scholarships are for military veterans and their spouses, noting that there are other organizations that focus on gold star children, and other specialized groups.

Tillman Leadership Institute and Ways to Get InvolvedJodi notes that there are leadership attributes and asks Dan to speak a bit more about those.

Dan notes that in January 2023 they launched the Tillman Leadership Institute, which is an investment in leadership development.
He continues by describing the six leadership attributes, and the Foundation’s goal of filling the leadership gap that exists today.

Tom then asks Dan to talk about Pints for Pat, which is a longstanding tradition.

Dan talks about the history of Pints for Pat, and how it got started.
He then mentions the involvement of other organizations, such as Diageo, in the event, and the special rights they have granted to Pints for Pat.

Jodi asks about Team Tillman and its purpose within the organization, and how others can get involved.

Dan explains that Team Tillman is a program that they have for those that want to run a marathon and support their organization in the process.
He explains how others can get involved, and get some swag in the process.
Dan continues by mentioning Pat’s Run, which is coming up in April, and explains what that event is all about.
Tom continues the conversation by discussing the leadership board for the organization, and the amount of leadership, talent, and diversity they have on the board.

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 families did FISH surprise with Walmart gift cards in December of 2021?
Answer: 29
This week’s Military Minute question: What is TLI?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Paul Chapa, Founder of Friends in Service of Heroes (FISH), discuss the myriad of ways that FISH supports veterans and first responders, events they host, and touching stories of a few of their members.

“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.

Ep. 22 — Friends in Service of Heroes with Paul ChapaIntroducing Paul Chapa and Friends in Service of HeroesJodi begins by giving a background of Paul Chapa and how 9/11 was a life changing event for him spurring the founding of Friends in Service of Heroes (FISH), and then asks him to explain the history of the organization.

Paul tells the story of how 9/11 impacted him and made him want to do something to honor the military and first responders.
He then describes how he started his own publication rather than utilize the one he worked for, and the fortuitous events that surrounded FISH’s first event.
He continues by telling the story of how he was able to talk military leaders and Chef Rick to host a dinner to honor our heroes, and have hosted 30+ of these dinners around the country.

Tom asks Paul to discuss the three pillars of support of FISH.

Paul begins by describing the first pillar of Recognition, and how they aim to remind retired military members how much their service meant.
He then dives into their Health pillar where they provide individuals that need assistance with service dogs, mobility scooters, etc.
Paul explains their final pillar which is Support, where they provide financial assistance for veterans through rent support, utility payments, purchasing flights to see family, etc.

FISH Member Stories and Upcoming EventsJodi notes that on FISH’s website there is a story about veteran Jerry Ingram, and asks Paul to share that story with the listeners.

Paul talks about Jerry’s history in the service, specifically how he was one of a handful of people that came back from Iwo Jima.
He continues by describing what made Jerry an incredible man and a true American hero.
He then describes a few of the conversations that he had with Jerry in his final days.
Paul adds that the service dogs they provide to veterans they name after members of the FISH family, to honor those that have served and passed away.

Tom asks Paul to speak about some of the events FISH has coming up on the calendar.

Paul describes their speaker series that they have on the third Thursday of every month, at the American Legion at 7500 W 75th St, and lists a couple of the speakers.
He adds details about a 5k/10k run in Fort Leavenworth, as well as their Armed Forces event that is coming up in May.
He finishes by describing their 10th Annual FISH Combat Golf Tournament, where on certain holes golfers will tee off while wearing full body armor.

To learn more about Friends in Service of Heroes, visit their website www.friendsinserviceofheroes.org or check out their YouTube channel.

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 success rate of transitioning veterans from homelessness to permanent sustainable housing in 2021?
Answer: 85%
This week’s Military Minute question: How many families did FISH surprise with Walmart gift cards in December of 2021?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Bryan Meyer, CEO of Veterans Community Project, discuss all of resources made available to any veteran through their Veteran Outreach Centers and their tiny homes villages.

“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.

Ep. 21 — Veterans Community Project with Bryan MeyerIntroducing Bryan Meyer and Veterans Community ProjectTom and Jodi their guest Bryan Meyer, CEO of Veterans Community Project (VCP).

Jodi discusses Bryan’s service history, and briefly touches on how he, along with a few other cofounders, started VCP.
Bryan then shares his struggles transitioning to civilian life, and how that motivated him to start Veterans Community Project.
After graduating law school, he started a non-profit that granted free legal services to veterans.

Bryan continues to discuss what Veterans Community Project is, and what they do to help veterans.

He says that it is a walk-in clinic where the only prerequisite is that you have taken an oath to serve our country.
He continues by saying they are more famous for building their villages of tiny homes for veterans with on-site case management.
After prompting from Tom about the sizes, Bryan notes that they are not like the tiny homes you see on tv, but are actually regular homes, just less square footage.

Veteran Outreach Center and VCP VillageTom asks Bryan what their solution to provide both the Veteran Outreach Center and the VCP Village, and how veterans can transition between them.

Bryan begins with the outreach center, noting that extremely low barrier for entry of taken an oath to serve the country.
He says that VCP doesn’t house all of the programs themselves, but partners with local businesses that have agreed to partner and help veterans in need.
When people show up are homeless or housing insecure is when Bryan says they move them to the residential program.
He talks about how if someone is housing insecure, they aren’t able to focus on other things that may be going poorly, which is why they start at the most basic level.

Jodi notes that VCP is one of the fastest growing veterans’ nonprofits in America, and asks Bryan to talk about where they are expanding, and how people can bring VCP to their community.

Bryan recalls the timeline of starting VCP, and where they are now, noting they see the demand to expand to other cities, but limit their growth to not dilute their service offerings.
He says that the best place for people to learn about VCP, or how to bring it to your city, visit their website: https://www.veteranscommunityproject.org/
He then discusses how far along every city is that they are currently building in.

Tom says that they have 50 houses in Kansas City, with 49 occupied, and asks Bryan if that is normal, or if they are now at full occupancy.

Bryan says they strive for 85% occupancy, because that allows them to flip houses in between residents, and have extra room in case of emergencies.
He then tells two stories of two veterans that suddenly found themselves homeless, and how they were able to help in those situations.

Get Involved with Veterans Community ProjectTom then asks a number of questions, focusing on how people can get involved in the organization.

Bryan says that they operate entirely off of donations of good will, because federal or state funding has a number of restrictions.
He then reiterates to find out more about how to help, whether through donations or volunteering, visit their website: https://www.veteranscommunityproject.org/
After prompting from Tom, Bryan then discusses their successful transition rates compared to other programs of a similar nature.
He says that while the case management programs are individualized, the are based off of their five pillars of support: health and wellness, income stability, fiscal understanding, education and training, network and support.
He then recalls another story of a veteran that they assisted, even though he was dishonorably discharged.

Jodi then asks Bryan to touch on the other services Veterans Community Project offers to veterans.

Bryan discusses their emergency assistance program, which offers financial assistance in particular cases.
He notes that they don’t just give the help as a band aid, but do a deeper dive to solve the issue at its core.
He then discusses the free bus pass program they set up in Kansas City.

Jodi then asks Bryan in what ways he is getting involved in the local communities to raise awareness for Veterans Community Project.

He says raising awareness is the most important thing they do because there are people out there that need their assistance that are just unaware that this type of assistance exists.
He continues by noting some of the events they host, such as their annual House Party in Kansas City, where they talk about how many of their ideas are permeating across the country.
Bryan also says there are other organizations that also host bingo nights, golf tournaments, etc. that help them raise both awareness and money.

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 U.S. Department of Agriculture, food insecurity nationwide is at approximately ____%
Answer: 10%
This week’s Military Minute question: What was the success rate of transitioning veterans from homelessness to permanent sustainable housing in 2021?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Kristen Beattie, Military Family Advisory Network discuss the variety of resources available to military families through their website and programs.

“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.

Ep. 20 — Military Family Advisory NetworkIntroducing Kristen Beattie and Military Family Advisory NetworkTom and Jodi introduce the episode and their guest Kristen Beattie, Director of External Relations.

Jodi lists a number of Kristen’s accomplishments and achievements.
Tom and Kristen then discuss some of their similar hobbies such as reading and traveling.

Jodi then asks Kristen to talk about Military Family Advisory Network (MFAN) and their vision.

She begins by saying their mission is to understand and amplify the needs of military connected families.
Kristen says they do this through data inspired research, which then allows to develop programing, design and raise awareness, and inform policy.
She notes that three of the key issues that they address are related to housing, food, and security, and financial readiness.
She says they are celebrating their 10th anniversary, and it is all made possible through the wonderful sponsors.

Tom notes that Armed Forces Bank took on MFAN as one of their lead organizations during their Days of Giving, and after discussing a conference the MFAN Director attended, he asked what the big take aways were.

Kristen discusses the conference, noting that their involvement was important to represent military families.
She notes that through that, they are able to develop partnerships to figure out how best to serve military families.
Tom and Kristen briefly chat about each of their involvement in community food banks and food drives.
She says from their research, there are four areas where food insecurity are hitting the hardest: Joint Base Lewis-McChord, Fort Hood, Norfolk, and Fort Bragg.

Resources Provided for Military Families by MFANTom asks Kristen to mention some of the financial resources provided by MFAN.

She notes that through their educational programming, they have experts share practical information around saving, budgeting, navigating Federal benefits, utilizing financial support and grants.
Kristen adds that recently in partnership with the Association of Military Banks of America they launched Vet Cents, which is designed to help military families around budgeting, building credit, home buying, and investing.

Jodi circles back to the food insecurity, and asks how people can connect to food resources through MFAN, and what would they tell people or organizations looking to help with this.

Kristen says that they have served over 10,000 families over the last year and a half.
She notes that for their food distribution events, they always partner with a local food bank, and give each attendee a resource bag that gives they ways to access that help locally.
She adds that the research is looking at causal factors that lead to food insecurity, and looking to drive long term change.
Kristen says that during this time of giving, if others feel so inclined, they can donate on their website.

Tom then discusses what housing resources are available through MFAN for families that might be PCS-ing.

Kristen says they have partnerships with public and private organizations to ensure affordable, equitable, and safe housing for military families.
She says they convene once a year to share research, offer programing, and collaborate on solutions to improve housing both off and on-base.

Jodi says that also out on the MFAN website is information around health and well-being, and asks Kristen to discuss more about those programs, and what MilMap is.

Kristen says MilMap is a way to connect military families to their community and support services where they live.
She notes that you can find information around moving, resources for children, employment support, health and wellness information, etc.

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 tunes does Argyle play on a limousine tape deck on the way to the Nakatomi Plaza with McClain?
Answer: Christmas in Hollis by Run-D.M.C.
This week’s Military Minute question: According to the U.S. Department of Agriculture, food insecurity nationwide is at approximately ____%
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi discuss the myriad of ways Armed Forces Bank employees have been giving back to their local communities at their AFB branches all around the country.

“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.

Ep. 19 — Days of GivingDays of Giving and Community OutreachTom and Jodi introduce the episode and what Days of Giving at Armed Forces Bank is all about, noting that their teams all around the country have been hard at work.

They add that Armed Forces Bank has philanthropy embedded in their hearts as well.
Tom tells one of his favorite quotes, “It’s not about how much you gather, but how much you scatter.”

Tom and Jodi jump into Fort Leavenworth and Fort Carson.

Tom discusses what Armed Forces Bank at Forth Leavenworth has been doing, including help open and raise money for the first foodbank on base.
He adds that they also donated lots of food for Second Harvest, and assisted the Frontier Freedom 5k.
Jodi mentions Fort Carson’s contribution to the Care and Share Pantry, which included food donation, and volunteering their time.

Tom and Jodi then discuss some of their Thanksgiving traditions.

They then bring the conversation back to Days of Giving at Fort Leonard Wood, Fort Myers, and Fort Waukegan.

Tom discusses the donation boxes set up in the AFB banking center that were donated to the chapels.
Jodi mentions how the local Fort Myers Armed Forces Bank location donated items to Bridges to Independence, which provides food, access to education, etc.
Tom notes that AFB at Fort Waukegan donated over 100 pounds of food to a local food pantry.

After an attempted joke by Tom, Jodi moves back into Fort Bliss, Fort Irwin, Fort Huachuca, Joint Base Lewis-McChord

At Fort Bliss, Jodi says, Armed Forces Bank worked with the Armed Services YMCA to collect nonperishable food for the Junior Enlisted Family Center.
Tom says how the AFB at Fort Irwin set up a donation box for a Red Cross program.
Jodi adds that at Fort Huachuca Armed Forces Bank location, they set a donation box for the Peaches Pantry, which is a local food pantry.
Fort Huachuca also raised money to donate turkeys for Thanksgiving Day, and donated 30 wreaths through Wreaths Across America.
Tom notes that Joint Base Lewis-McChord donated over 900 items (300 pounds) to the Fisher House, and volunteered their time as well.

Tom attempts another joke, after which they discuss Luke Airforce Base, Nellis Airforce Base, Travis Air Force Base, Fort Knox, and Fort Drum.

Jodi says the Armed Forces Bank at Luke Airforce Bank supported the base chapel’s drive through donation event.
Tom then discusses Nellis Airforce Base AFB location donated 45 pounds of nonperishable food to 926th Reserve Wing.
Jodi mentions the Travis Air Force Base AFB Team has been helping the Travis Spouse Club at the base thrift store.
Tom notes the items that the Armed Forces Bank at Fort Knox donated to a local food pantry.
Armed Forces Bank at Fort Drum volunteered at the Feed Our Vets event, and also helped the food pantry.

After a failed joke attempt by Tom, they discuss Christmas plans and movies before bringing the conversation back to the Air Force Academy, Fort Riley, and lastly Fort Rucker.

Tom says the Armed Forces Bank at Air Force Academy volunteered for the Care and Share Distribution Center, packing boxes to be delivered to senior citizens.
Fort Riley AFB team, Jodi continues, partnered with Wheels of Hope and donated items.
Tom and Jodi continue their prior discussion on Christmas traditions in their families, and Tom gives another joke.
Tom finishes by mentioning the Armed Forces Bank at Fort Rucker who teamed up with the NCOA to give back to a local food bank.

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 Fisher House locations are currently in operation?
Answer: 93
This week’s Military Minute question: What tunes does Argyle play on a limousine tape deck on the way to the Nakatomi Plaza with McClain?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Vat Garcia discuss Fisher House. Together they learn about how Fisher House helps active duty military members, veterans, as well as military spouses and military children. They also share ways that people can help support their cause.

“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.

Ep. 18 — Fisher House with Vat GarciaIntroducing Vat Garcia and Fisher HouseJodi introduces Vat and her history with Fisher House, and then asks her to tell the listeners about the mission of Fisher House.

Vat discusses how the Fisher House Foundation got started, noting that it helps house family members of active duty military and veterans near the hospital where their loved one is undergoing care, at no cost to the family.
After prompting from Tom, Vat discusses the requirements and eligibility for people to be able to take advantage of the program.
She continues by mentioning what they provide and amenities that are provided, and what safety precautions they take.
She does note that eligibility differs between the VA and Army.

Tom asks for her to share some stats around how many service members the Fisher House has helped.

Vat goes through the fiscal year 2022, mentioning how many service members they have helped, the average length of stays, how many houses they have running around the country, etc.
She continues describing what their ‘Angel Volunteers’ do for the Fisher House, and what other organizations help them with as well.

Scholarships for Military Spouses and Military ChildrenJodi asks about the programs they run to assist military spouses or children of service members.

She begins by mentioning their Heroes Legacy Scholarship, and other scholarships for military spouses.
She also notes that there are more scholarships for military children.
Vat says they have awarded over $35 Million in scholarships, and helped over 14,000 military children.

Hero Miles and Hotels for Heroes ProgramsTom asks Vat to speak about their Hero Miles program.

She gives examples of how they use the miles that are donated to the Hero Miles program.
Vat then notes you can donate miles for Alaska Airlines, Delta Airlines, Frontier Airlines, or United Airlines on www.FisherHouse.org

Jodi then asks her to speak about the Hotels for Heroes program.

Vat says that if the Fisher House is full, they will use the donated hotel points to put families up at no cost.
She notes that this is typically where there is already a Fisher House.
Continuing, she says people can donate their hotel points at www.FisherHouse.org for Best Western, Choice Hotels, Hilton, Marriott, and Wyndham hotels.

Tom notes the ways Armed Forces Bank supports Fisher House and their ongoing efforts, and asks how other companies or individuals can help support their causes as well.

Vat takes the opportunity to give a shoutout to a local Armed Forces Bank employee who helps out at the Fisher House that Vat runs.
She says that people can donate their airline miles or hotel points, or become a recurring monthly donor, or corporate sponsor.

Tom, Jodi, and Vat thank everyone that assists Fisher House and their efforts, and Tom reads off a couple of glowing reviews of their organization.

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 year did the U.S. Congress unanimously vote to approve Wreaths Across America Day?
Answer: 2008
This week’s Military Minute question: How many Fisher House locations are currently in operation?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Michelle Cebe discuss Wreaths Across America. They discover the mission of the program, how to participate or sponsor wreaths, and what partnerships have enabled them to do.

“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.

Ep. 17 — Wreaths Across America with Michelle CebeIntroducing Michelle Cebe and Wreaths Across AmericaJodi introduces Michelle and her history with Wreaths Across America, and then asks her how the program got started.

Michelle tells the story of how Wreaths Across America got started.
She notes that it initially started with 5,000 wreaths in 1992 and now placed 2.4 Million wreaths across 3100 cemeteries including some abroad.
After prompting from Tom, Michelle discusses the founder’s childhood and why he chose to start this program.
Michelle adds that every year there is a theme, and this year’s is “Find a way to serve.”

Tom asks Michelle to talk about ‘The Greatest Generation’ and how it connects to the generation of hope.

Michelle discusses her personal experiences with volunteers for Wreaths Across America.
She says how they embodied the mission: Remember, Honor, Teach
Jodi adds how much of a treasure having those members must have been.

Participation and Sponsorships Wreaths Across AmericaMichelle asks how many years the Leavenworth National Cemetery has been participating in the program.

Michelle says that the National Cemetery joined in 2009, and Forth Leavenworth joined the following year.
Tom and Jodi discuss a few Armed Forces Bank employees have volunteered at the events.
After some discussion, Michelle adds that they will be up to 3500 locations where they will be putting out wreaths.
She notes the easiest way to find a participating cemetery is to go to their website locations page.
After realizing how close so many Armed Forces Bank locations are, Tom and Jodi encourage participation from their whole organization.

Tom asks what her passion for participating in the program.

Michelle shares her personal experience in how she found the program, her connection, and her reason behind continuing with it.
She also shares her story about how she became one of the coordinators.
She says that her goal is to have a wreath for every grave in Leavenworth National Cemetery, which is the site she is the location coordinator for.

Tom asks Michelle to explain how people can get involved through sponsorship or volunteering.

She says she has tried to get corporations to sponsor sections of cemeteries, and how they recognize those large sponsors.
Michelle then discusses some ideas they have used in the past to get sponsors.

Jodi asks for more details about the wreaths, the deadlines around the wreaths, and what day Leavenworth lays their wreaths.

She draws attention to the fact that the wreaths are not Christmas or holiday wreaths, rather they are specifically a Veterans Wreath, and then describes what that means.
She says that every location participates on the same day, which is the third Saturday in December - this year is December 17th.
She discusses some of the differences in the ceremonies between the different locations.
Michelle notes that the final deadline for sponsoring a wreath is usually the Monday after Thanksgiving, but they have extended it to Giving Tuesday, which is the following Tuesday - this year is November 29th.

Tom brings up their website again, and asks Michelle about a possible discount code.

Starting November 1, through until supplies run out, if you get merchandise with this year’s theme on it, you can get 25% off your entire purchase by using the code: FIND A WAY 2022

Wreaths Across America PartnershipsTom asks about Wreaths Across America’s partnership with CGSC, and what they did a couple weeks ago.

Michelle talks about the mobile exhibit that has been traveling around the state of Kansas.
She discusses how the mobile exhibit is basically a museum on wheels, and what is included in that, including how they focus on Gold Star Families.
She continues by detailing the schedule for the mobile exhibit starting in 2023.

Tom then questions Michelle for more details on their partnership with Wreaths Across America Radio and the Veteran Radio program.

She discusses the Radio for Veterans, her previous interview with them, and some of the special programs they put on, such as Medal of Honor Monday.
She then talks about a number of their other shows and how they help Veterans.
She also tells the story of how they raised money to move a Medal of Honor recipient from potters field to Leavenworth National Cemetery.

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 year was the inception of the school of applications for infantry and cavalry born?
Answer: 1881
This week’s Military Minute question: What year did the U.S. Congress unanimously vote to approve Wreaths Across America Day?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guests Col. Roderick Cox and Lora Morgan discuss the Command and General Staff College (CGSC) Foundation. They dig into the different schools CGSC has to offer, their fervid community involvement, and how you can donate to support the Foundation.

“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.

Ep. 16 — Command and General Staff College with Col. Roderick Cox and Lora MorganIntroducing CGSC, the CGSC Foundation, and Guests Col. Cox and Lora MorganJodi and Tom begin by introducing their guests Col. Roderick Cox and Lora Morgan

Col. Cox became the third President of CGSC in 2018, and became a board member of CGSC Foundation a few year later.
Prior to his role he has held a number of positions and was awarded many medals.
Lora Morgan is the Director of Operations at CGSC Foundation.

Jodi asks for their guests to describe the vision of CGSC Foundation and how it got started.

Col. Cox talks about the vision of CGSC Foundation is to support CGSC and its operations that might not be otherwise funded.
These areas include scholarships, outreach, and soldier and family support.

Tom asks Col. Cox to talk about the student enrollment at CGSC and how student enrollment works.

Col. Cox notes that there are actually four different schools at CGSC, and shares details about each of the four and what their main curriculum includes
The Command and General Staff School (CGSS)
The School of Advanced Military Studies
The School for Command Preparation
The Sergeants Major Academy (SGM-A)
He continues by talking about the international students that are coming from around the world to take part in these programs.
He notes how important these students are to helping share cultures and creating lifelong friendships
Tom then talks about Armed Forces Bank’s participation in the Training With Industry Program.
Col. Cox talks about how great that program is and how many of their students who might be part-time military take advantage of that program.

CGSC Foundation Community InvolvementTom asks Lora to speak about their involvement with the Combined Arms Research Library’s reading program.

Lora notes that the CARL is not only the on-post library, but also the community library for the families.
The reading program, she continues, was a way to get kids involved in reading by recording live readings and then posting those videos to their facebook page.
Lora adds by giving descriptions of a number of other different reading programs that the library runs, and CGSC Foundation supports.
Tom thanks them for their support and participation that CGSC always shows for their community.

Students at CGSCJodi asks how students are selected to join the programs that CGSC offers.

Col. Cox talks about how students are selected to enroll in the programs
He notes that these tax-funded programs are for the best of the best, and it is highly competitive and the school is very selective.
He continues talking about the world class faculty that teach at the school as well.
He says that students have had a decade or more of service, and they are required to bring that experience into the classroom.
Col. Cox notes that while the school is tax-funded, it is not necessarily open to the public because of its location.
He discusses the campus and the historical aspects of the facilities and the grounds, including two halls of fame and desks from Generals past, and the largest auditorium in the state of Kansas.

Tom discusses how the facilities are state of the art and how great of an experience it must be for the students there.

Col. Cox then discusses how the entire school district is within their purview, which includes a junior high and three grade schools.
Typically those schools are for the families that are living on post.

How to Support CGSC FoundationTom asks how people can support the foundation and their different causes.

Col. Cox says that the CGSC Foundation is completely donor funded, and to donate you can go to the CGSC Donation webpage.
He says that while the tax dollars provide for quite a bit, there are certain things that they cannot be used for, and that is where the foundation comes into play.
He adds that you can denote your donation to a specific program, or leave it as general then lists out a number of specific things those donations have helped the CGSC Foundation fund in the past, and events in the future.

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 types of Thrift Savings contributions are there?
Answer: Three
This week’s Military Minute question: What year was the inception of the school of applications for infantry and cavalry born?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Brittany Crocker discuss The Military Wallet and Veteran.com. They dig into all the different financial education resources, discounts, and newsletters available through those sites.

“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.

Ep. 15 — The Military Wallet with Brittany CrockerIntroducing Brittany Crocker, The Military Wallet and Veteran.comJodi gives a brief history of Brittany’s background, welcomes her to the show, and then asks her to give a bit of background on how and why The Military Wallet got started.

Brittany discusses how the initial founder wanted to help people navigate the military’s finance and benefits systems.
After joining the site, she has continued this mission by closely focusing on financial assistance for military members.
She notes that she also manages veteran.com, that is more focused on military benefits such as VA home loans, disability benefits, military allowances, etc.

Tom asks Brittany what is unique about the military community that requires specialized financial guidance.

She talks briefly about her history serving, and recalls feeling lost while reading articles, noting that they were geared towards people that already had a certain level of financial literacy.
She continues by saying her goal is to be that easy and understandable resource that she was looking for while in the service.

Jodi notes that Veterans Day is coming up and asks for more details about the discount section of their website.

Brittany says the easiest way to find a company is to search their name on their website.
She adds that there is a newsletter and pdf guides that you can sign up to receive to keep track of Veterans Day discounts.
Brittany adds that shopping local is still important, and to simply ask them if they have a military or veteran discount.
Tom notes that Armed Forces Bank has begun their Days of Giving, where they give back to local food shelters and food security organizations near AFB locations.

Financial Education and Financial Resources for the MilitaryTom asks Brittany for her top resources dedicated to financial education that she has found particularly helpful.

She says that the number one resources is the Military Wallet’s Tax Guide that they publish every year.
Her second resource is for people looking to buy or sell a home, and says that Veteran.com is full of information around VA Home Loan.
Brittany says her last favorite piece is the article: Investment and Finance Rules for Security Clearance Holders, which talks about the unique financial rules related to those with security clearance.
She adds that Veteran.com has a wealth of information on policies that affect military members, such as new BAH rates, military pay, etc.

Tom briefly mentions how a number of veterans are still unbanked, and as they are looking for places to open an account or get a debit card or credit card, what information has she found that would be beneficial for the military community.

Brittany says they examine what banks are competitive in this space, as well as robo-advisors.
She recommends the reviews and roundups on the Military Wallet that discusses those services, cashback apps, credit cards, etc.
She adds that last year a group of her friends came up with a holiday gift guide for military members.

Retirement Accounts and Educational NewslettersJodi asks what information people can find about the savings plan on their websites.

Brittany discusses what the Thrift Savings plan is, and further details about that program, noting that their website has many resources for both new investors, and those nearing retirement.
Tom stresses how important education around these financial topics is for people of all ages, but especially those early on in their careers, as they might not see the immediate benefits.
Brittany talks about her multiple retirement accounts, and how she balances her TSP account and her civilian retirement accounts.

Tom asks Brittany what people can expect if they sign up for the Military Wallet’s newsletter.

Brittany says it is a curated monthly news that talks about new content, new military benefits and discounts, as well as a personal letter from her.
She says that there are also weekly newsletters that are primarily focused on discounts for military members.

Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.

Last episode’s Military Minute: Does AFI insure classic and antique cars?
Answer: Yes
This week’s Military Minute question: How many types of Thrift Savings contributions are there?
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.

Tom closes the episode by asking listeners to out 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

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Lori Simmons discuss Armed Forces Insurance. They discuss who and what AFI will insure, and then dive into the philanthropic endeavors that AFI is involved in, including the Military Spouse of the Year program which AFI now runs.

“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.

Ep. 14 — Armed Forces Insurance with Lori Simmons, VP and Chief Growth Officer Introducing Lori Simmons, VP and Chief Growth Officer at AFIJodi opens the episode by welcoming Lori Simmons from Armed Forces Insurance (AFI) and giving a bit of her background.

Lori is the Chief Growth Officer of AFI and President of the AFI Foundation.
She also plays an integral role in the AFI Military Spouse of the Year program.
Jodi continues to list out a number of other accolades about Lori.

What does Armed Forces Insurance Cover?Jodi then asks Lori to provide a high-level overview of AFI’s products and services that they provide for the military and their families.

She notes that AFI exclusively serves the military and those who serve the military, and later lists the qualifications of who is able to use their services.
She adds that they are primarily property insurers, insuring cars, homes, and personal property.

Jodi follows up by asking what their most popular products are and how people can get a personal quote for insurance.

Lori says their most popular product is home owners insurance, with auto and renter insurance coming after.
She adds that they offer commercial insurance for military and spouse owned businesses and services.
She discusses how veteran run businesses are underserved in this area, and what they are doing to help, by shopping insurance rates for you.
To get a quote, you can visit their website (www.afi.org) to get a real time price on homeowners insurance, and a fast response time for other inquiries.
Lori says for renters insurance, you can get proof of insurance to get a quote, see the price, change your coverages to suit your needs, make your payment, and get proof of insurance within minutes.

Tom asks Lori to discuss more about the renters insurance and about what extra it covers compared to other insurers.

Lori says that it is the best coverage on the market for the price, and discusses some of the items it covers such as firearms, and government issued equipment.
She tells the group a story of customers who were covered when their neighbors weren’t because they didn’t use AFI.

AFI’s Philanthropic EndeavorsTom then asks her about some of the other services that AFI offers and ways that they give back to the military community.

Lori says that AFI is also committed to providing services that are not insurance related, but are still valuable, oftentimes coming directly from the military community.
Tom adds that Armed Forces Bank has a similar mindset in that they too want to be a source of information to help educate the military.
Lori talks about AFI’s involvement with Snowball Express, which Tom notes you can hear more about in the previous episode of Militarily Speaking.
She then discusses their involvement with the Military Warrior Support Foundation.
Lori continues by sharing details about the AFI Affinity Program.

Jodi asks her to discuss the Armed Forces Insurance Foundation, and how it is distinguished from AFI, and how they work together.

Lori says the Armed Forces Insurance Foundation is a non-profit that was set up to deliver information and resources to military families to promote better financial decisions.
She continues by discussing what the foundation does for military families through educational opportunities, seminars, and workshops.

Tom says he was excited when Lori took over the Military Spouse of the Year program, and then asks her to discuss about the program.

Lori regales her personal history as a military spouse, and AFI’s involvement with the event.
She says that after being a sponsor of the program for a number of years, they decided to take ownership of the program to take it to the next level.
She then discusses how the program has impacted military spouses, especially the winners.
She adds that everyone that is in the running are nominated, and to nominate someone you can go to msoy.afi.org.
She says that there can be winners from every base, and then eventually one national winner.

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 Forest Gump, what was the first lesson does Lt. Dan told Forest and Bubba regarding GI gear that can mean the difference between a dead grunt and a live grunt?
Answer: Socks
This week’s Military Minute question: Does AFI insure classic and antique cars?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Jim Ravella discuss the Gary Sinise Foundation and the programs they run to help veterans, first responders, and their families. They also talk about the history of why Gary Sinise started the organization, Lt. Dan’s Band, and more.

“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.

Ep. 13 — Gary Sinise Foundation with Jim Ravella, VP of ProgramsIntroducing Jim Ravella, VP of Programs at the Gary Sinise FoundationTom opens by thanking Jim for joining them on the podcast, followed by Jodi giving a bit of Jim’s background.

Jodi discusses his educational background, history at the Gary Sinise Foundation, and his years serving in the Air Force, among other accolades.

Jodi asks Jim to discuss more about the Gary Sinise Foundation, how it got started, how he got involved, etc.

Jim discusses the history of the 12 years of the Gary Sinise Foundation, and Gary’s history and mindset behind why he started the organization.
He notes that the mission of the organization is to help any veteran or first responder that is in need, which is purposefully a very broad mission.
He then discusses his story of he came into his role at the Gary Sinise Foundation, through his current wife who is an ambassador of the organization.

Tom asks about recent addition of a chapter of the organization in Orlando.

Jim mentions that they recently opened a chapter both in Orlando and in San Diego.
He says that those organizations are volunteer run, and it allows them to really get in touch with the local communities and the service members that need assistance the most.
Jim also mentions that their team will be on the ground after the incoming hurricane helping first responders in any way they can.

Programs of the Gary Sinise FoundationTom notes that while the mission of the foundation is purposefully very broad, the RISE program focuses on houses for those in need.

Jim discusses how Gary would take his band to raise money to renovate or build homes for the service members who were in the hospital after returning from duty.
He notes that they do custom home builds, home modifications, adaptive vehicles, and mobility devices.
He says that it is all about supporting independence for the veterans.
So far Jim says they have worked on 78 homes so far, and have two more to finish out the year.

Jodi brings up the program Snowball Express, mentioning her personal ties to the program, and asks Jim to speak a bit more about how that program came to be a part of the Gary Sinise Foundation.

He discusses the history of Snowball, and how it was absorbed into a Gary Sinise Foundation initiative.
Jim mentions how the program brings children of fallen service members or first responders to Disney World, and build the community.
He adds that they have added community events in different cities around the country in order to help them maintain that support community.
Jim continues by mentioning their partnership airline, and all the fanfare that goes along with participating in a trip like this.

Jodi then asks about the Soaring Valor program, what it means, and how the organization runs that program.

Jim notes that it was built around taking WWII veterans to the national museum in New Orleans.
He describes what the typical trip looks like, noting that they will typically do five trips a year, and a few of them pair up high school students with those veterans.
He recalls his own trip to the National WWII Museum and how impactful it was for him.
Jim adds that they will also pay for individual veterans to go down that can’t make the larger trip.

Tom asks about some of the other programs such as Serving Heroes.

Jim describes the process through which they give out hundreds of thousands of meals every year both nationwide and in military outposts abroad.
Tim adds how AFB has a similar program where at certain locations for service members who can’t get home for the holidays, or volunteer at food pantries among other locations that support those experiencing food insecurity.
Jim responds by noting how thankful they are for other organizations that also support their causes, since the demand is always so large.

The Heart and Passion Behind the FoundationJim notes how important serving those meals are as well, because it brings the family together.

He continues by noting how the family also serves, even though they weren’t the one who took an oath to defend the Constitution.
Tom adds that is one reason they are always so thankful for Jodi, as she is a military spouse.
Jim notes that the spouses sometimes serve as much as the service member themselves.

Jodi asks if there are specific grants for veterans versus first responders.

Jim notes that everything he has mentioned is for veterans and first responders alike.
He adds that there is one program, the First Responders Outreach program, that helps first responders around the nation.
Jim states that between 75-80% of the fire stations are run by volunteer firefighters, who oftentimes don’t have the same equipment as more well-funded stations.

Tom asks Jim a few more questions about his favorite military movie, and how good Lt. Dan’s Band actually is.

Jim responds noting how good the band actually is, noting that the band has performed for the military more than anybody else with over 550 shows.
He adds a personal story about how much Gary truly cares about the families and the sacrifices they make, trying to repay a debt that he can never repay.

Tom then asks how people can either donate or get involved with the Gary Sinise Foundation.

Jim says that there is a donate button on the Gary Sinise Foundation website.
He says that becoming a partner with a recurring donation is always welcome, because the needs are great and the organization is very efficient with every dollar they receive.
Tom then commends them for utilizing $0.87 from every $1 goes to the programs.
Jim says to see the impact the organization has on a daily basis, follow them on Facebook or Instagram.

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 insect assisted in the aerodynamics of the F-117 fighter jet?
Answer: the bumblebee
This week’s Military Minute question: In Forest Gump, what was the first lesson does Lt. Dan told Forest and Bubba regarding GI gear that can mean the difference between a dead grunt and a live grunt?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Andia Dinesen discuss the Association of Military Banks of America (AMBA) and the services they provide for military members, veterans, and their families. They also dive into the plethora of services that exist to help military members and veterans achieve good financial health.

“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.

Ep. 12 — A Talk with Andia Dinesen from AMBA (Association of Military Banks of America)Introducing Andia Dinesen from the Association of Military Banks of AmericaJodi introduces Andia Dinesen, the Executive VP of Communications and Operations at the Association of Military Banks of America (AMBA).

Jodi continues to list off the awards and recognitions, as well as her affiliation with the military.
Tom discusses more aspects of Andia’s personal life, and works his way into a joke.

Jodi asks Andia to explain what AMBA does and how it helps banking institutions.

AMBA is a non-profit trade organization for military banks, both on and off installations.
She notes that AMBA also acts as consultants those organizations on the military financial challenges and culture.
Tom notes that Andia has a history with the Airman Family Readiness Center in her career.
Andia adds that those partnerships are vital to getting public / private partnerships.

AMBA Memberships and ProgramsTom asks how people or organizations can become a member at AMBA.

Andia notes that “military banks” is a general term, as their members can be anyone that has a focus on military and veterans customers.
The banks who physically support the community by having banking centers or ATM services (or both) on a military installation are considered Regular Members.
Andia then dives into the details of an Associate Member, which is those outside the walls of a military installment, as well as Corporate Memberships and Individual Memberships.
She adds that all of the information around those memberships can be found on AMBA’s website: https://ambahq.org/

Jodi asks her to discuss the Veteran’s Benefit Banking Program (VBBP).

Andia and AMBA helped develop the program alongside the VA because more than 250,000 veterans who were identified as unbanked or underbanked.
The participating financial institutions committed to providing a free checking account with no minimum balance to veterans who bring a qualified monthly deposit to the bank or credit union.
This program now includes more than 40 banks, with more being added.
AMBA then partnered with other organizations to add financial and credit counseling and financial education called Vet Cents.
Veterans can access these services by going to: https://veteransbenefitsbanking.org/

Tom notes that while she’s touched on it already, if there are other places she knows where veterans or military members can find services and financial education.

Andia brings up the free VBBP programs with certified credit and financial counselors, as well as Vet Cents is another easy recommendation.
She adds that banks and financial institutions that are on military installations, as well as the family readiness centers offer financial education classes.
Military One Source, she says, is a great go to place if you are not near a military installation.
Andia then discusses https://finred.usalearning.gov/ that has a plethora of resources, and the Armed Forces Financial Guide which is available on the AMBA website.

AMBA Partnerships and Military Spouse EmploymentTom then asks Andia to discuss AMBA’s partnership with other organizations, such as the FINRA Foundation Military Spouse Fellowship Program.

Andia discusses how this fellowship program launched her career, and details about the program.
She says that you can get board certified through the program, and because applicants have knowledge of the military community and culture, and can give back to the military community.

Jodi asks what affiliation Andia has with military spouse employment associations, including MSEP.

Andia discusses the Military Spouse Employment Partnership program, which has partners with both small local branches and large national chains.
She notes that Armed Forces Bank is an originating member of MSEP, starting back in 2010.
Andia also brings up the Hiring Our Heroes programs.
Tom discusses a partnership with Military Saves as well, which AFB did a podcast with not too long ago.

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 year was Park University founded?
Answer: 1875
This week’s Military Minute question: Which insect assisted in the aerodynamics of the F-117 fighter jet?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Shane Smeed discuss Park University and the services they provide for military members and their families. They also dig into the Valor Medals Review Project and the many awards Park University has won.

“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.

Ep. 11 — A Talk with Shane Smeed from Park UniversityIntroducing Shane Smeed and Park University Tom and Jodi introduce President of Park University Shane Smeed, and then run through his previous background in a wide number of roles.

In that time he was responsible for 16,000 students annually, including 10,000 active duty, national guard, reserve, veteran, and military family member students.
He holds volunteer leadership roles with several Kansas City organizations, and serves on the Board of Directors of the Kansas City Area Development Council and the Command and General Staff College Foundation, located in Fort Leavenworth, Kansas.

Jodi asks Shane to provide an overview of Park University’s mission and how they serve military members around the world.

Shane then talks about the military background and history, as well as their military students and family.
He notes that Park University’s affiliation with the military stretches all the way back to the civil war, and later in 1901 the university established a military department.
He says that Park University understands that the military’s focus and value is on education.
He continues describing how Park is uniquely positioned to provide that to active-duty service members, veterans, and their families at the military locations.

What is the Global Warrior Center?Tom asks Shane to describe what the Global Warrior Center is.

Shane says that while the Global Warrior Center is located in Parkville, MO, it is there for the success of all students, and non-students of the university that are seeking more information on how to receive educational services.
He notes that Park University supports thousands of military affiliated students through their VA benefits to help them with their education.
Shane continues stating that they also provide support and information to make their transition from civilian life to higher education, which can be a difficult transition.
Realizing they have students all over the world, he adds that of their 41 campus locations, 22 of them are on air force bases, 5 on marine corp. bases, 3 on army bases, and 1 on a navy base.
Tom notes that Park has campus locations in many of the same places that there are AFB bank and ATM locations.

Tom asks how having the physical presence on an installation, in addition to having an online option, helps further the mission of Park University.

Shane says that a lot of students still appreciate having the face-to-face experience.
He adds that a large portion will end up taking classes online at some point as well.

Jodi asks what support services are offered through the Global Warrior Center, or outside of it through Park University.

Shane says that a large number of the faculty and staff have some kind of connection with the military, which helps them understand the military culture, and help military students as they transition.
He adds that Park University works as a liaison with a number of Veteran Service Organizations (VSO).

Workshops and Resources Park University Offers Military StudentsTom asks what the workshop environment is like at Park for military students who are looking to pick up additional skills.

Shane begins by saying students can build their professional network through their career development center, where they partner with veteran inclusive organizations that provide mentors, internships, jobs.
He adds that to help with the schedules of their military students, Park has enrollment five times a year: August, October, Jan, March, and June.
Shane also says Park looks at how to get college credit from military experience, to help those students graduate sooner.

Jodi asks if there are certain resources that Park offers specific to military families or military spouses that are different than that offered from the active duty member.

Shane says that they treat the military member and their family members, such as spouses or children, the same.
He continues stating that this means the spouse can pay the same tuition rate as if they were a member of the military themselves.

Tom reads a few reviews of Park University, and then asks Shane about the ROTC program that they offer.

Shane regales a personal story of his own connection to the military through his father.
He then discusses how Park University is one of a few schools in the country that are a part of the U.S. Cadet Command Pony Express Battalion.

Valor Medals Review Project and Park University AwardsJodi brings up the story of George S. Rob, and asks Shane to review Park’s involvement with the Valor Medals Review project.

He says that Park University has a team of researchers and historians that are investigating veterans from the great war that were unjustly denied high level valor awards due to their racial or religious background.
Shane notes that there are 214 service members that they are going through the review process, and discusses the documentary More Than a Medal adding that people can find showings at gsr.park.edu

Tom says that Park University has been recognized for a number of awards, and asks Shane to speak about some of them.

Shane says that Park University is designated a Military Friendly School in 2022-2023, and goes through a few other awards they have won as well.
He says that credit for all of the awards and recognition goes to the faculty and staff that are passionate about helping their students.

Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.

Last episode’s Military Minute: Veterans train on campus learning to navigate with their dogs for how many days?
Answer: 11 days
This week’s Military Minute question: What year was Park University 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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Sean Brown discuss Southeastern Guide Dogs and the services they provide. They also get into the process of matching with a dog, different programs they offer, and how Southeastern Guide Dogs differentiates themselves.

“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.

Ep. 10 — A Conversation with Sean Brown from Southeastern Guide Dogs and Working Dog NickIntroducing Sean Brown and Southeastern Guide Dogs Tom and Jodi open up the show and introduce Sean Brown from Southeastern Guide Dogs.

Sean served for 7 years in the Army Intelligence Core before injury cut his service time short.
Sean then jumps in and describes more details of his background, and how he first got introduced to Southeastern Guide Dogs.
He describes how his life has changed after receiving his first working dog in March 2018.

Tom asks Sean about his philanthropic role he now holds with Southeastern Guide Dogs.

Sean dives into the history of how he went from a speaker at one of their Dining in the Dark events to the position he plays with the company now.
Tom notes that the program used to be called Dining in the Dark, it’s now called Beyond the Dark.
Sean then describes the new program, some of the things it entails, and how you can experience it for yourself.

What Can a Guide Dog Do?Tom says that Armed Forces Bank, which has been committed to serving our military community since 1907, was recently matched with a working dog named Jamy. He then asks Sean to describe his history with his two working dogs.

Sean begins by describing the matching process and how he got matched with his first working dog Pella.
He continues by listing off the different things Pella enabled him to do, giving him a level of autonomy back to his life that he had not experienced in a while.
Sean then shares about the transition when Pella retired to his new working dog Nick.

Jodi asks what Nick’s cues are, and what he is tuned into to help Sean with.

Sean says one of his main tasks is retrieval, helping him pick up things from the floor or getting medication.
He continues by describing how tuned in Nick and he became more in-tune with each other after just a few weeks of becoming a new team.

Tom asks how long a veteran has to wait before getting a guide dog.

Sean says the wait is typically about 12 months, but may sometimes be longer.
He adds that the way to find the best match is to tell the instructors what kind of help they need, and those instructors will help find the best match, based on your specific needs and lifestyle.
After more questioning from Tom, Sean then talks about what types of dogs Southeastern Guide Dogs has available, and how their team helps create those breeds on campus.

How Much Does a Guide Dog From Southeastern Guide Dogs Cost?Jody questions how much it costs the person receiving the guide dog?

Sean says that every dog is given for free to every recipient, as well as food, annual vaccinations and vet visits.
He notes that each dog costs between $50,000-$60,000 to raise them from birth to team placement.
Sean continues by stating they are a non-profit and need to raise $16 Million to fund the programs.

Tom asks about the process to be selected and matched with a guide dog.

Sean says that the longest part is the application process, which includes vetting the applicant’s need for a guide dog through the VA, doctors, and home visits.
After the application process, Sean says they will call you saying that you’ve been approved and welcoming you to class.

Jodi circles back to the $16 Million Southeastern Guide Dogs needs to raise, and asks how people can help in those efforts?

Sean says the best way is to go to their website: www.guidedogs.org
He notes that they have 3-4 matching programs throughout the year
Sean also adds that if people want to contribute directly to the veterans program, or one of their other programs, they can specify that in their donation

What Makes Southeastern Guide Dogs Different?Tom notes that there are a number of organizations that also work in training guide dogs, and asks Sean what differentiates their program.

Sean says the first is that they are the only school that provides the lifetime of care at no cost through their alumni care program, which includes food, preventative medicines, annual vaccinations
Sean says that the other differentiating factor is that since they started their veterans program, they haven’t lost a single veteran to the battle against suicide.

Sean makes one final note saying that they are always in need of puppy raisers to help them raise the next generation of super 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 is the Beyond Basic Life Insurance Plan best for?
Answer: Ages 18-44
This week’s Military Minute question: Veterans train on campus learning to navigate with their dogs for how many days?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom, Jodi, and guest Col. Jerry Quinn discuss life insurance and other policies offered by AAFMAA. They also talk about the different ways AAFMAA is driven to honor the military and military spouses, and share their thoughts on the Blended Retirement System.

“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.

Ep. 9 — A Talk With Col. Jerry Quinn, USAR, COO and Secretary of AAFMAA (American Armed Forces Mutual Aid Association)Insurance Stats and Welcoming Col. Jerry QuinnTom opens the episode by discussing different stats around insurance, including $3.29T of life insurance policies are purchased in the US.

Jodi introduces Col. Jerry Quinn, USAR, Chief Operating Officer and Secretary of AAFMAA, including fun facts
Jerry the, at the request of Jodi, discusses his history in getting involved in AAFMAA, including his military service and financial background

What Services Does AAFMAA Offer?Tom asks Jerry to discuss the array of services including the life insurance policies offered by AAFMAA.

Jerry begins by noting that all of their offerings are also designed to fit the military spouse.
He then dives into some details around AAFMAA life insurance policies, and briefly describes the difference between term and whole life insurance policies
Continuing, he notes that AAFMAA only sells insurance policies to military members and their families
Jerry describes that AAFMAA’s Veteran Survivor Plan which is a guaranteed issue, and any spouse is also eligible with no underwriting
He concludes by drawing specific attention to the fact that AAFMAA policies are design specifically for the military and veterans
Jodi adds that for more information around any of their policies, you can check out www.aafmaa.com

Military Appreciation and Military SpousesTom recalls an article by Jerry about Military Appreciation Month and Military Spouse Appreciation Day, after which Jodi asks how AAFMAA reaches out to the military spouse community.

Jerry says there is information on AAFMAA’s website
He also encourages people to visit Spouse Link, which is an online lifestyle magazine centered around military spouses, among other tips and tricks

Thoughts on the Blended Retirement SystemTom goes off script a little bit and asks Jerry, and all of his financial wisdom, what his take is on the blended retirement system (BRS).

Jerry begins by stating that the blended retirement system is a good retirement system
He notes that investing in a blended retirement account, it will do more than just act as a savings account by encouraging you to engage in savings habits
Tom comments that he wishes there was a crystal ball to show people what the future looks like when they invest in accounts like this
Jerry notes that the Blended Retirement System’s website has a lot of really useful information about not only these accounts but also other investing and savings tools
Jerry tells the struggles of getting his own son enrolled in BRS and on the path to savings, and the discipline of saving

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 Lady Gaga’s real name?
Answer: Stefani Joanne Angelina Germanotta
This week’s Military Minute question: Who is the Beyond Basic Life Insurance Plan best for?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

** Products and services, including life insurance, offered by AAFMAA are:

NOT FDIC insured

NO Bank guarantee

MAY lose value

NOT SPIC insured

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi discuss all things related to consumer credit. They recollect on their own credit journeys, share tips and tricks to get your credit in good standing, and provide insight on some resources to help you wherever you’re at in your financial journey.

“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.

Episode 8: A Talk to Learn About Consumer CreditShow Opening and History of Consumer CreditTom opens the episode by telling two banking jokes about credit and loans, and then dive into the rest of the show.

Tom lists out the many topics they will cover including: consumer credit, responsible ways to obtain and use credit, maintaining good credit history, helpful tips on credit products.
He notes that when they started the Militarily Speaking Podcast, they promised to deliver some financial education and give the listeners tools to be more successful in your personal and financial lives.
Tom recalls previous episodes with guests in order to present those resources to listeners.

Tom and Jodi dive into their personal histories of establishing credit, and the history of consumer credit.

Tom discusses purchasing his first car with a loan, and how the payment history was sent to the credit reporting agencies.
Jodi regales her start with building credit by signing up for every credit card at the booths they had on her college campus.
Jodi notes that before opening a line of credit, there are a few things to take into consideration:
Do you really need the item/service?
Is it something you need to borrow money for and pay interest on?
Are there products out there that give you options?

Armed Forces Bank Products and ServicesJodi says that for people looking to develop credit there are a couple of products Armed Forces Bank has that can help.

The first product is the Credit Builder Credit Card, which is a fully secured credit card, and the payments of which get reported to all 3 credit reporting agencies.
In order to save the money to deposit into a savings account for the Credit Builder Credit Card, Jodi mentions Armed Forces Bank’s Saving Cents program.
Jodi also highlights the Access Loan (or Personal Military Loan), which an unsecured loan that allows people to set up a repayment over a period of time.

Good Credit Decisions and EducationTom says that there are other key concepts that go along with making good credit decisions for yourself.

Credit Utilization Rates: There is a general rule of thumb that you should not use more than 30% of your line of credit.
Don’t carry a balance from month to month to avoid paying high interest rates that come with credit cards.
Credit Monitoring Services and FICO: These are your scores that range from 300-850, with higher scores being better that rank your financial prowess that are based off of 5 factors:
Payment History (35%)
Amounts Owed (30%)
Length of Credit (15%)
New Credit (10%)
Types of Credit (10%)
Tom notes that there are a number of other scores based around your credit as well, but they are all tied back to how you handle your finances.
There are lots of options for credit monitoring including: Experian, Credit Karma, LifeLock, Identity Guard, I.D. Shield, etc.
Tom reveals that Armed Forces Bank will be releasing a product later this year that will allow you to monitor your credit score directly

Jodi says that with inflation and the rising cost of everything, people are pinching pennies and get scared if they get in a tight spot.

She encourages people to call their bankers and lenders, as they are understanding people, and are usually willing to help work through your situation.
Rather than going dark and making it more difficult to get out of your situation, she says being proactive about communicating with your bank or lender is the smart choice.

Tom adds that there are lots of resources available for education as well.

There are regulatory bodies that govern banks that put out educational material such as:
Federal Reserve Education
FDIC Money Smart Program
FTC publications
Airman Family Readiness Center
Armed Forces Bank Blogs

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 so special about Dan Bozung’s hair?
Answer: It does not move in the wind.
This week’s Military Minute question: What is Lady Gaga’s real 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 $100.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.

In this episode of “Militarily Speaking,” Tom and Jodi talk with Dan Bozung, author of This Civilian S**t is Hard. They discuss Dan’s military career and his transition to civilian life. Dan also gives advice on how to make that transition easier. Tom and Jodi also play the next round of Military Minute.

“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.

Episode 7: Meet Dan BozungIntroducing Dan BozungJodi begins by listing Dan’s many accolades including enlisting in the U.S. Navy at age 17, graduating from the U.S. Naval Academy in 1997, after which he became a naval pilot, and leaving active duty in 2005.

Jodi continues by listing the many different roles Dan has held since leaving the military, which includes writing his book This Civilian S**t is Hard.
Dan then gives the background on how his book ended up with that title, even though that ultimately ended up making it unavailable in the Army and Air Force Exchange Services.
He then continues by relaying his reasons behind writing the book.

Tom asks after being a U.S. Navy pilot, and then graduating from Harvard Business School, what happened next as he made the transition to a civilian career.

Dan starts by saying that what happened was entirely predictable, but only in retrospect.
He describes his story as an extreme case, but believing in his abilities, even after he was fired five months after starting his first civilian job.
Jodi continues this line of thought by asking what advice he would give to people that are about to make the transition, or are going through that transition right now.
Dan hesitates, realizing that every situation is different, but ultimately he gives some advice that he thinks everyone should follow.
He also gives words of wisdom for those leaving active duty and returning to civilian life, that may help them process and deal with the transition.
Jodi and Tom weigh in on his advice and relate it back to their own experiences.

This Civilian S**t is HardTom notes that both he and Jodi have read his book. He asks Dan what kept him motivated to keep moving forward when facing challenges along the way?

Dan starts by saying he didn’t really have a choice other than to move on, noting all of his responsibilities and duties.
Dan continues by describing his mentality of refusing to be defeated by the civilian world, believing in himself and his capabilities.

After some jokes thrown back and forth, Jodi says that people can find out more by visiting Dan’s website at www.danbozung.com. There you will find a section on “stories.” So Jodi asks Dan to elaborate on the why the storytelling side was important to him.

Dan describes the reason behind the numerous stories posted on his website.
He also says that even though the stories were intended to serve a specific purpose, he found value in exercising his writing muscles.
Dan continues by saying that he’s working on a second book, which he is hoping to release within the next year.
He then dives into why he enjoyed the publication process so much, after initially being hesitant.

Life After the MilitaryTom pulls a quote from Dan’s book, “Being in the military is easy. Being a civilian is hard.” Tom asks how those coming from the military can make civilian life less difficult.

Dan says that it depends on what your role was in the military, noting that some will have an easier time than others.
He continues by relaying some advice that he received from one of his professors at Harvard.

Jodi pulls out some advice Dan gave in his book, and then asks Dan if there is else he thinks people should know about.

Dan begins by stating how the civilian world can use more ‘servant leaders’ that are found in the military.
He continues by noting how is honor and purpose in the struggle of the transition from military to civilian life.

Tom asks Dan what other resources he has used and would point people to, such as What Color is Your Parachute.

Dan looks over his bookshelf saying that he has read everything but couldn’t point to anything in particular.
He continues by then giving two pieces of advice to those anyone, not just those making the transition to civilian life.

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 military families PCS annually?
Answer: Between 450,000-500,000
This week’s Military Minute question: What is so special about Dan Bozung’s hair?
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.

Tom closes out the episode by asking listeners to out 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.

He thanks Dan for joining them on the show, as well as Brent Bowen from Sparkcade Marketing for the introduction, and for all of the other work his company does for them.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi talk with Danielle Adams from Mil Housing Network. They discuss the benefits available to those using Mil Housing Network’s services, especially their real estate partners and lending partners, the latter of which includes Armed Forces Bank. Tom and Jodi also play the next round of Military Minute.

“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.

Episode 6: Mil Housing Network with Danielle AdamsTom’s TangentTom leads in by listing some statistics about the current market conditions, promising not to sound too doom and gloom, while also noting that the opinions contained within this segment are his own and not that of Armed Forces Bank.

Current inflation rate is 8.3%, unemployment rate is 3.6%, 5.9 million people unemployed but 11 million job openings, wages are increasing across the country.
The average home value appreciation since 1987 is 4.6%, however during the pandemic in 2021 home valuations were up 19%, and in 2022 so far they are up 11%.
Rent is up 26.5% just this year, mortgage rates since the first time in the 1980s went up two full percentage points in just a few months from around 3% to now 5%, with home owners insurance prices also increasing 6%.
Tom continues to list other statistics about increasing prices on gas, food, other daily stapes, meanwhile the stock market is down significantly.
Tom notes that all of those statistics are a reason that a home purchase is one of the most important decisions someone can make, and a reason that Mil Housing Network is so vitally important to help out our military.

Mil Housing NetworkJodi welcomes Danielle to the show, and runs through a bit of her background, but asks Danielle more detail on her background.

Danielle goes through her background, which includes PCS-ing during early 2021.
She noted that when they were moving in the middle of the pandemic, she was looking for remote work, and found Mil Housing Network.
She describes how much she loves the work she does as a support provider for military families.

Tom notes that Mil Housing Network has a Free Ultimate PCS Guide, and then asks what Mil Housing Network is and how it helps service members before, during, and after a move.

Danielle says that at Mil Housing Network, their team is mainly military spouse powered, meaning they are just like their clients and have experienced firsthand what PCS moving is like.
She continues saying that they work with clients beginning to end providing helpful resources such as the Ultimate PCS Guide, connecting clients to vetted agents and lenders to assist with their home search or home sale, all the way through to closing.

Benefits of Using Mil Housing NetworkJodi says that as someone who has PCS-ed many times before, she understands how valuable it is to have that continuity. She then asks if you are a real estate agent, how do you get connected into Mil Housing Network so you can help, and why is it so important to have people that understand that PCS journey?

Danielle notes how important how important a great fit is when finding an agent to work with.
At Mil Housing Network, she continues, they have an agent services team that interviews potential agents and thoroughly researches their background to understand their familiarity with VA Loans, how many military families they have helped, etc.
She said that if you are a real estate agent and are interested in getting involved, you can send them an email at agentservicescoordinator@milhousingnetwork.com

Tom asks how a military service member begins their journey with the Mil Housing Network, and what are some tips and tricks that will help them make their move more seamless.

Danielle says that a majority of inquiries come from their online communities, such as their Facebook group, or directly from their website milhousingnetwork.com
She lists out a couple of other Facebook groups that might be helpful for people about to PCS, and also mentions that Mil Housing Network hosts a show every Wednesday.
Danielle shares her favorite tip which is, “it’s never too early to start asking questions,” and recommends preparing for the aspects you have control over.
She discusses the benefits of using the real estate agents within the Mil Housing Network, as they understand the clients they will be working with, and are flexible enough to meet the ever changing circumstances during a PCS move.

Changing Conditions and Mil Housing NetworkJodi asks when you are a family that has “Orders Subject to Change” and they do in fact change, do you keep working with the same agent, or do you get a new agent depending on where you are going to be stationed at?

Danielle says that her role is to work closely between the real estate agent and the lender, so if your orders change they will work on your behalf to find a new agent in your new location for you.
She also notes that because they have realtor partners throughout the US, they can help their clients regardless of where they will be moving to.

Tom asks whether she stays apprised of the market conditions, especially since the dates when working with the military are in so much flux.

Danielle says that the markets are rapidly changing, so she always defers to lender and realtor partners for the most up-to-date info on the markets.
Mil Housing Network does provide updated market reports when requested, though she notes that it is still best to talk to a real estate agent who has their ear to the ground.

Jodi then follows this line of thinking, questioning Danielle what benefits Mil Housing Network offers to military families, or especially the spouses that are likely carrying most of the weight when it comes to the logistics of the move itself.

Danielle notes that the biggest benefit of using them is that they are primarily military spouses, meaning they have walked a mile in their customers shoes and are able to relate to the situation they are going through.
She notes that there will always be things to learn, but they will be there to provide information, connections, and support in any way they can.
Danielle adds how the company is growing as well to make sure they can continue to be a one-stop shop for military families.

Jodi and Tom wrap up their interview, thanking Danielle and noting Armed Forces Bank’s partnership with Mil Housing Network.

Military MinuteTom introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.

Last episode’s Military Minute: How long must a Coast Guard vessel be for it to be deemed a “cutter”?
Answer: Over 65 feet!
This week’s Military Minute question: How many military families PCS annually?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.In this episode of “Militarily Speaking,” Tom and Jodi talk with VA Loan specialist Melanie Aguto. They discuss the different aspects of obtaining a VA Loan or VA Mortgage, challenges and rewarding aspects of being a military family, and how to make PCS moves as easier. Tom and Jodi also play the next round of Military Minute and what charity they sent a donation to from the last episode.

“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.

Episode 5: VA Lending with Melanie AgutoVA LendingJodi begins by welcoming Melanie Aguto to the show, a VA Loans Specialist with over 27 years of experience, who is one of the top producing Loan Officers at Armed Forces Bank since joining the team in 2002. Tom then asks Mel to describe the VA certification process for the listeners.

Melanie says it starts with assisting veterans and surviving spouses with applying for their VA Certificate of Eligibility (COE).
This COE also helps determine their eligibility for a home loan with the VA Loan process, as well as if the Veteran is in receipt of any VA disability income.
She notes that there is no cost to go through this as part of their free pre-qualification process that Armed Forces Bank offers.

Jodi asks what kind of programs Armed Forces Bank offers mortgage borrowers in particular to veterans.

Melanie says Armed Forces Bank has VA, FHA, Conventional, and HERO programs on primary homes, adding that they also can help with vacation homes, investment properties, home purchases, and refinancing.
In particular to Veterans, Melanie adds, they have a VA Home Loan Program, which provides 100% financing and zero down payment requirements for home purchases or refinancing options, all with zero lender fees to Veterans.
Melanie continues listing other benefits including competitive rates and home buying education as part of the process as well.

PCS Moving in Military CareerTom points out that Melanie has moved 14 times over the course of her career as a military spouse, and asks her what guidance she has to those making a PCS move when assessing the home buying process.

Melanie says the key to buying a home during a PCS move is preparation in advance of the move itself.
From being educated on the process and being comfortable with taking those steps, to talking to your loan officer in advance and becoming pre-qualified are the first steps of being prepared for the move.
There are multiple other factors that come into consideration when considering a move, which Melanie lists out.

Jodi asks what are some recommendations she has on selecting a good, reputable real estate agent or company.

Melanie says that there are many key factors, including interviewing agents ahead of time, to reaching out to your trusted sources, are all great resources.
The key factor is finding someone you connect with and that you’re comfortable with can really help ease the home buying process as well.
Tom then jokingly asks Melanie to list out all of her 14 moves, to which she happily obliges.

Aspects of a Lifetime in the MilitaryTom asks Melanie, who was a military brat and has been a military spouse of over 20 years, what challenges and rewarding aspects have there been in her lifetime in the military.

Melanie says as far as challenging aspects go, waiting on PCS orders and all of the planning, preparation, and timeline tracking that goes into it can be a challenge for families.
She continues by saying how rewarding it is to become such a resilient family, and be a part of such an amazing military network.
She says being a part of Armed Forces Bank and being able to relate to the families she is helping on the other side of a PCS move has been incredibly rewarding as well.

Fixed Rate versus Adjustable Rate MortgagesIn today’s environment, Jodi notes, that loan rates for 30-year fixed rate have even been below 3%, however now we are in a rapidly rising interest rate. She asks Melanie what advice she has about that volatility, how to select the right product to meet their needs, and provide a little perspective about where rates have been versus where they are at today.

Melanie says that we are in an increasing rate environment, so it is important to work closely with your loan officer to ensure your payment comfort level is really where you want it to be.
She continues by saying instead of heavily focusing on the rate, focus on the actual payment amount and what level you are personally comfortable with.
Jodi notes that she is gladly going to be adding “payment comfort level” to her vocabulary she uses when looking at large purchases such as a house.

Tom asks Melanie if due to the increasing rate environment she finds that more people are interested in an Adjustable Rate Mortgage (ARM), or if those conversations are coming up more often, and if she has any guidance on adjustable versus fixed rate mortgages.

Melanie says that as interest rates increase, they are getting more inquiries about adjustable rate mortgages.
She continues by noting that most customers are still choosing the fixed rate option and locking in that rate for a peace of mind, as well as because the fixed rate are more attractive than the adjustable rate in the current market.
Tom notes that historically, we are in historic lows for mortgage rates, which he notes might mean that adjustable rates might go up later.
Melanie adds that how long a person is expecting to live in a home will play into what interest rate option someone might choose, saying that your loan officer will walk through that and all of the other variables with you.

Tom notes that getting a mortgage can be overwhelming, intimidating, and even confusing at times. He asks Melanie if she can provide some assurances to the listeners to make the home buying process as painless and easy as possible.

Melanie says she agrees that the mortgage process can definitely be overwhelming and confusing.
She notes that her goal at Armed Forces Bank is to ease and simplify the process as much as they can, helping people navigate their way through the process each step of the way.
She continues saying that it is their responsibility to clearly explain all aspects of the loan process so it is not overwhelming, but rather an exciting experience of getting into your new home.
Tom says that people will definitely want to learn more and ask questions to Mel, which they can do through www.afbank.com

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 said the following, “Feeling gratitude and not expressing it is like wrapping a present and not giving it.”
Answer: William Arthur Ward
This week’s Military Minute question: How long must a Coast Guard vessel be for it to be deemed a “cutter”?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi VickeryIn this episode of “Militarily Speaking,” Tom and Jodi talk with the founder of A Million Thanks, Shauna Fleming. They discuss the how A Million Thanks was started, the different milestones they have reached, and discuss how A Million Thanks has expanded their mission to serve military families after they have returned from deployment. Tom and Jodi also play the next round of Military Minute and what charity they sent a donation to from the last episode.

“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.

Military Appreciation MonthTom begins by asking Jodi if she can believe it’s May, which she responds is also Military Appreciation Month.

Military Spouse Appreciation Day is on May 6th
Mother’s Day is on May 8th
Tom points out that in addition to those holidays, May also has Armed Forces Day, Memorial Day, Children of Fallen Patriots Day, and Month of the Military Care Giver
Tom notes that their banking centers are going to be very active this month

A Million Thanks with Founder Shauna Fleming* Shauna Fleming founded A Million Thanks in 2004 when she was 15 years old. * The project began as a community service project in Orange County, California with the goal of sending one million cards and letters of appreciation to US Military serving around the globe. * The local project turned into a national cause just 3 weeks after it’s initial launch as other organizations caught wind and took part. * Within 6 months of starting, Shauna and her initial team of volunteers reached their goal of sending one million cards and letters.

What Inspired and Drives A Million ThanksJodi asks Shauna to tell the story of how A Million Thanks got started, and what continues to drive the mission forward today.

Shauna says she was a freshman in high school as a community service project.
While her school gave the students a bunch of options to participate in, she didn’t feel fully connected to any of those.
She asked the school if she could come up with her own idea, to which they agreed.
At the time, much of what was on the news revolved around troops being deployed overseas, so she thought what if there was an easy way to support them by sending them thank you letters.
After presenting the idea to her school, they got on board to support, and shortly after word got out to more organizations, leading to it becoming a nation-wide effort after only 3 weeks.
The organization just celebrated 18 years in March, 2022.

Grant-A-Wish and Fund-A-Scholar Expansions of A Million ThanksTom notes that there have been a few expansions of the A Million Thanks company over the last few years to now also include “Grant A Wish” and “Fund A Scholar” programs as well. He then asks Shauna to give more details on these programs.

Over the course of the first 10 years, a large portion of the business was focused just on sending letters to the troops that were deployed.
Shauna says they were also noticing a large gap in the support the military and their families were receiving once they came back from being deployed, being medically discharged, or for those who gave their lives for our country.
She recognized that writing letters is great, and will always be at the core of A Million Thanks, but wanted to expand the organization to express gratitude to the entire military community and their families.
Around the 10th anniversary of A Million Thanks, they added the Grant-A-Wish and Fund-A-Scholar missions.
The Fund-A-Scholar mission is about funding scholarships to children of fallen military, to ensure they are able to pursue their higher education and career goals.
The Grant-A-Wish mission functions similar to the Make-A-Wish organization, but is centered around quality of life wishes for injured military members.

How to Participate in A Million Thanks Letter CampaignsJodi thinks back to how A Million Thanks started 18 years ago aiming to send a million letters to service members, and then asks Shauna how many letters they have sent by this point.

Shauna says the organization has sent about 12 million letters.
She notes that the initial goal was 1 million, but then continued to raise that number with other symbolic numbers centering around the military.
After a few times of raising the goal, she said they stopped setting new goals, but continue to keep track and continue to send the letters.
Jodi notes that if there are any listeners looking to participate in this letter campaign, they can go to any Armed Forces branch and fill out a physical postcard, or go to the Armed Forces Bank website.
Shauna adds that if you are not near one of those locations, you can go to amillionthanks.org to find the information on how to send the letters.

Shauna’s Celebrity InteractionsTom says he knows Shauna has been around a lot of celebrities due to A Million Thanks, and then proceeds to list off many of her encounters.

Shauna notes that the inspiration for the Fund-A-Scholar mission came from her father and Alex Wax starting an Armed Forces Children’s Education Fund.
She adds that Alex Wax is also the one responsible for getting the bill passed through Congress to have May become Military Appreciation Month.
After some further questioning from Tom, Shauna then details her favorite celebrity interactions that she has had over the years.

How to Become A Million Thanks Drop-off Location PartnerJodi notes that while Armed Forces Bank has been the exclusive financial partner for A Million Thanks’ dropbox locations, there might be someone listening who wants to get involved and partner as a location as well.

Shauna says that A Million Thanks partners with different organizations and community businesses, schools, and churches to become an official drop off location.
She continues that this essentially means you are making yourself available as a drop off location, and then are responsible for sending along the letters to A Million Thanks.
If you or an organization you are in is interested in becoming an official partner, there is an application on the website: amillionthanks.org

Military Appreciation MonthTom explains all of the different ways that Armed Forces Bank locations are getting involved in their communities in celebration of Military Appreciation Month, and then asks Shauna in what ways A Million Thanks will be celebrating the month.

Shauna says there are a number of organizations that have a number of events to bolster our military members right in their own communities.
She then notes that there are a number of websites that pull together the list of extra discounts or freebies businesses may be offering during the month of May.
Tom notes that links can often be found on Miltarytimes.com, airforcetimes.com, navytimes.com, etc.

A Million Thanks RadioTom recalls how A Million Thanks used to host a radio show and asks Shauna to share some details of that experience.

Shauna says that growing up during the age of the early internet, before podcasts came out, a military owned radio station called WSO asked her to host her own radio show.
She details the exciting experience of what it was like to create that show, starting as a sophomore in high school.
She adds that it was a great way to interview the myriad of people she became acquainted with as A Million Thanks was growing into the larger organization that it is today.

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 Armed Services YMCA locations are in the state of Alaska.
Answer: Three – Eielson Air Force Base, Fort Wainwright, Joint Base Elmendorf-Richardson
Tom adds that from the prior episode, they sent a check to St. Jude’s organization, which gave them a great amount of joy to be able to do that.
This week’s Military Minute question: Who said the following, “Feeling gratitude and not expressing it is like wrapping a present and not giving it.”
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.

In this episode of “Militarily Minded,” Tom and Jodi talk with Tim Nye from Armed Services YMCA and discuss how the organization helps the military community from serving as a food back to child care. Tim talks about other initiatives the AS YMCA has going on as well such as the Horse of the Sun Ranch. They also play the next round of Military Minute.

“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.

Episode 3: Armed Services YMCA with Tim Nye

Jodi opens the episode by introducing Tim Ney, who is the executive director for Armed Services YMCA (AS YMCA), and a veteran, having served 8 years in the United States Marine Corp. The AS YMCA provide free or low cost services for military children, spouses, and the military family unit. Today they have over 25,000 military members and volunteers have donated over 112,000 hours to support the AS YMCA.

Jodi welcomes Tim and then asks for the background of AS YMCA, as many people are familiar with the YMCA, but likely not as familiar with the Armed Services branch and how it came to be.

Tim says there is a lot of confusion about the Armed Services branch and how they relate to the YMCA, and this includes people within the military community itself.
He says they are in twelve branches across the nation, and have existed since 1861, and are one of five organizations that have a Memorandum of Understanding with the Department of Defense.
He notes that one of the ways they are different is that 99.9% of the people they serve are active duty military and their families.
Tim says the second way they are different is that they are grass-roots fundraising, since they don’t charge membership fees or high camp fees.

Tom brings up a statistic showing that 29% of junior enlisted families say they are food insecure. He asks Tim what types of support the AS YMCA provide through the food assistance and emergency food relief for military families program.

Tim says that as a non-profit professional, it’s easy for them to raise money around food insecurity.
He notes that the easiest mindset for people to get to is thinking that the military doesn’t pay them enough, which is why they are food insecure.
He says that the reality of the situation is, through studies they have shown that military members get paid a livable wage, but it gets complex because many of the military families are younger, have a few kids, and child care is very expensive.
Tim says that between child care, rent prices surging, inflation, and high gas prices, the problem is very complex and it is getting worse.
He says that hunger is an economic issue and it revolves around education, workforce development, cost effective child care, financial literacy, and even learning how to cook to save money.
Their food program is called “Distribution with Dignity” is also a gateway for the members to begin using some of their other services as well.

Jodi asks if there are specific ways that people, or companies, can contribute to that effort if they are interested?

Tim says that it doesn’t take a lot of funds to run something like this because they partner with Feeding San Diego, as well as the San Diego Food Bank, so the food costs very little.
He notes that it only takes one staff member to facilitate 24 distributions a year, with the help of all of the volunteers.
He says making a small gift of even just $25-100 can make a large impact, or people can get involved and volunteer by going to www.asysd.org or go to the national website for the Armed Forces YMCA of the USA and find a local branch to get involved.

Jodi says that as a military family herself, she realizes that it is a proud community. She asks Tim how he approaches that and gets people to realize they need help, and then get them comfortable with the idea of asking for help.

Tim reiterates “distribution with dignity” that they practice, saying that the families can register online, guaranteeing their spot, reducing anxiety around the who situation.
At the event itself, he says, they have music playing in the background, jovial volunteers, Starbucks serves coffee or other drinks, and other non-profits that are natural partners helping out as well.
He points out that the environment is very fun and festive, kind of similar to a farmers market.
He notes that during the pandemic military spouse unemployment was near 30%.
Tim also says that’s why the AS YMCA isn’t just about food security, but also cost-effective child care, getting military spouses education or course development, and giving them opportunities to find employment.
He says the main goal is to elevate and strengthen the military family, growing the family out of the food line, rather than simply distributing food to them.

Tom says in a prior conversation he and Jodi had with Tim, they discussed the Military Spouse Symposium that was being held in San Diego. He asks Tim to share more details about the symposium.

He says that the program is really great, and also that they are full, likely because they are focused on running really great high quality programs.
Tim notes that their organization has received a lot of great support for the symposium.
In the last Military Spouse Symposium there was a fashion show by Nordstroms, resume writers, creative artwork, speakers that were military spouses from base commanders, as well as strong powerful women from around the community.
Tim says that there was also a large U-shape of companies that were hiring military spouses on the spot.
The next one, Tim notes, is going to include segments on financial literacy and other things around how to utilize VA benefits.
More details can be found on www.asysd.org

Tim says he is excited about not only his branch, but also the growing of other branches around the nation.

He is leaving for a trip to Washington D.C. to meet with a strategic planning team with the National Board and their National Executive Team to plan the future of the organization.
Tim notes that it is important not on who you were in the past, but who you’re going to be in the future.
He says they are going to be an organization that focuses on solving food insecurity, child care, and most likely mental health
Tim makes a note about child care, saying that their plan isn’t to just be a place where a child will be watched, but where development will happen through character building and STEM courses.

Jodi says she thinks it’s great how aligned each of the branches is to the national mission, but wants to highlight something that the San Diego branch is doing. That being the Horse of the Sun Ranch. She asks Tim to give more details on what that is exactly, and what they are doing there.

Tim says there was a $1.7 Million donation of a ranch to the San Diego branch of the AS YMCA, that included land, 11 horses, and facilities.
That outdoor space, he says, was constantly used and full during the pandemic since people were able to be outside there with their families.
The horseback riding lessons, Tim notes, are completely full and help sustain the ranch.
Tim also says that because of the nature of the gift, they didn’t want to limit it to just military families, and that anybody is able to come use the facilities and ride the horses.

Tom notes many branches of Armed Forces Bank, where there are also branches of Armed Services YMCA nearby. He asks how people can get involved if they wanted to do some work locally for the affiliate locations.

Tim says to go to the National website at www.asymca.org to find a location near them, or an affiliate program
He asks that if people want to help they can make a donation, but really urges people to roll up their sleeves and go volunteer
Tom encourages Armed Forces Bank associates to do the same, as there are plenty of ways to serve military communities.

Tom adds that a quote he read from Tim previously is, “the service member enlists, but the whole family serves.” Which Tom says is right on point.

Tim responds saying when he was active duty, he was sent to 23 different countries, and was a single father for much of that period.
He adds that it takes a very special person to be a military spouse, managing the entire household.
Tim says that the children don’t fully comprehend why their parent is gone, only that they understand they are not there for their birthday, or recital, or other events in their life.

Tom thanks Tim for being a guest, and discusses how appropriate it is for him to bring this up April is the month of the Military Child, and next month is Military Appreciation Month.

He brings up some statistics he found on the AS YMCA website, that kids will move between six and nine times from birth through 12th grade.
Tom continues with more statistics around military families and the things they are struggling with, nothing that people can donate via their website.

Tom asks Tim if there is anything else about the organization or certain events that he would like to bring to the listeners’ attention.

Tim says there is more than just one way to serve your country, it is not just joining the military.
It could be going to college, doing what is right for this country and making it a better place, such as volunteering in your community, or making a donation.
Tim signs off by thanking Tom and Jodi for having him on the podcast.
Jodi and Tom thank Tim for being on the podcast with them.

Tom introduces the Military Minute segment of the show.

Last episode’s Military Minute: What is Military Saves’ 30 – 40 – 30 plan?
Answer is 30% past, 40% present, 30% future, where the past is paying off loans or any outstanding debt you may have, the present is taking care of your current needs, and the future is saving for something.
This week’s Military Minute question is: Who was the first donor to the AS YMCA?
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.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.

In this episode of “Militarily Speaking,” Tom, Jodi, and guest Kia McCallister Young talk about the Military Saves program, how to establish the habit of saving, and the largest barriers in improving your own financial standing.

“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.

Episode 2: Military Saves with Kia McCallister Young

Tom McLean opens by introducing their guest Kia McCallister Young, Director of America Saves, an Air Force Veteran, and a mom, among other responsibilities and titles. He then asks her what Military Saves is.

Kia says that Military Saves is America Saves’ commitment to the military community, giving them services, tools, and advice on how to establish successful savings, reducing debt, and getting on a path to building wealth.
She says that she likes to think of themselves as a savings accountability partner, that focuses specifically on the military community.
Jodi says that as a military family herself, it’s no secret that military families experience financial stress.

Jodi notes that 62% of military families experience financial stress, and 56% of Americans can’t cover a $1000 unexpected event that happens in their life. She then asks Kia what kind of situations she sees that might challenge military families more than their civilian counterparts.

Kia says the first item that comes to mind is the constant moving and transitioning, noting that while the military might help some with the costs, there are always going to be out of pocket expenses.
This is especially true for military members who have to move every 2-3 years.
The second thing, she says, is military spouse unemployment, meaning they have a single income household.
She notes that while sometimes this is by choice, oftentimes it is difficult for them to obtain a meaningful employment because of how often they are moving.
Jodi notes that there has never been a free PCS move in her household.
Tom says that he read recently that military spouse unemployment is around 24%, which is he thinks is too high.
Kia agrees, and is happy that there are certain movements trying to shine a spotlight on that problem now, and bringing that number down.

Tom asks what the biggest barrier or challenge to people improving their financial position.

Kia says the biggest barrier is the personal finance industry’s message, which is in order to be successful you need to have 3-9 months of expenses saved in your accounts.
She says while there is some truth to you being more vulnerable if you don’t have that saved up, but the idea of saving that much money for someone not even making a living wage is insurmountable.
Kia thinks the way to make this message more relatable and achievable is the idea of starting small and thinking big.
While the end goal might be to save up a few months of living expenses, the message should be centered on around how to get started on that path, which is an achievable goal.

Tom says he thinks about the phrase “pay yourself first” which could be setting aside a few dollars a month, or cutting out one expense per month, or set up a routine to automatically put money into your savings account. He asks Kia what ways people can establish the behaviors or get in the disciplined routine of saving.

Kia agrees and says that is why they start of Military Saves Month with “Save Automatically” because that is the easiest and most successful way to save which splits direct deposits between checking and savings.
She says that if you’re working gig-work where you’re not getting paid regularly, having an auto-transfer set up to automatically transfer money from your checking to your savings account is a great way to save.
Jodi says it is similar to how they interact with their clients at Armed Forces Bank, trying to meet their clients where they are at, and building a plan.
Tom also notes that Armed Forces bank has a ‘round up’ program, where each time you use your card it can round it up to the next whole dollar and put that into your savings account.

Jodi asks what ways people that are listening can get involved with Military Saves.

Kia says the first way is for people looking to have a savings accountability partner, is to take the Military Saves Pledge on militarysaves.org.
They will then send you information related to whatever your savings goal is, whether that is to save for vacation or save to buy a house.
As an organization that supports the military, Kia says the way to get involved is to become a partner of Military Saves, and a participating organization of Military Saves Month, also by signing up through militarysaves.org.
Tom notes that there is a new theme for each week during the month of April, and then Kia lists out each week’s theme.

Tom asks if listeners can follow them on social media.

In order to follow Military Saves on social media:

Facebook
Instagram
Pinterest
Twitter
TikTok (coming soon)

Jodi asks Kia if she could rewind time and tell her younger self something about saving and how to get off to a good start, what would she tell herself.

Kia says the biggest message is getting in the right mindset of thinking like a saver.
She notes that America Saves embraces that saving is a habit and not a destination, and that it is about forming the habit of saving.
Kia points out that if you are saving for something, even if that thing is an unexpected emergency, you will spend that money eventually, so it’s better to focus on the habit of consistently saving.

Tom asks Kia if there are any calls to action for the listeners if they want to know more.

Kia says to go take the military saves pledge.
She said to also set up automatic savings, or sign up for the roundup program at your credit union or your bank.
Both Kia and Tom then tell a stories of customers that use the roundup programs and have either used that money to put a down payment on a house, or keep themselves from having to take out a loan.

Jodi and Tom then move into the Military Minute.

Last episode’s Military Minute: Who was the radio DJ that inspired Robin William’s character in the movie Good Morning Vietnam?
Answer is Adrian Cronauer
This week’s Military Minute question is: What is the Military Saves 30-40-30 plan?
Watch for Facebook and Instagram posts about this episode.
Answer with the correct answer and you plus a charity of your choice can each with $50.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

Visit www.afbank.com

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Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery.

In this episode of “Militarily Speaking,” Tom and Jodi introduce the show, and themselves, as they discuss what they hope their listeners will be able to take away from the show. They also ask the very first ‘Military Minute’ for listeners to answer on their social media.

“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.

Episode 1: Introducing Militarily Speaking

Tom McLean opens the first episode of Militarily Speaking, brought to you by Armed Forces Bank, by welcoming everyone and introducing his co-host Jodi Vickery.

Tom begins by stating how there is no better time to launch this new podcast than right now, with two great months ahead.

April begins Month of the Military Child, and Tom points out specific key dates.
He speaks to how resilient children of military members are.
April is also Military Saves month, with more information coming about how to establish great savings habits.
May begins Military Appreciation Month, and Tom points out a few key dates once again.
Tom notes how it is nice to see military bases opening up around the country again, as COVID lessens its grip on society.
Tom brings up how Spring is in the air, and there are so many sports either wrapping up their season or just getting kicked off soon, along with graduations and family vacations happening very soon.

Jodi answers the question as to why they are starting this podcast.

She says it’s to help you, the listener, and them as the hosts, navigate both finances and military life.
It’s also to discuss and navigate the road where the two worlds intersect.

Jodi then leads into introductions of the hosts, beginning with herself.

Proud spouse of career retired soldier, whose service lasted over 20 years.
During his service, she was able to engage with various unit FRGs and serve in various capacities at several duty stations.
Her family then made the difficult decision to plant roots while her husband was still serving in other locations.
She has two amazing teenagers, who are involved in sports, among other hobbies.
Jodi says she is excited to get to know you, the audience, over the course of the next episodes.

Tom begins his introductions with a lighthearted joke, quoting “to know you is to love you” but that he isn’t sure how true that will be after he introduces himself.

Tom states he has been in the banking business for over 34 years, with 6 of those working for Walmart Financial Services.
He states that most of his banking experience was in Florida.
Tom then acknowledges that the last fifteen years of his career working for Armed Forces Bank has been the most rewarding for him.
Tom says that while he has not served in the military himself, he serves those who are in the military everyday he puts on his Armed Forces Bank badge.
He gives a shoutout to his two daughters, and then talks about how grateful he is for his wife.
Tom then describes his hobbies that includes all of the Wordle and all of the other variations, and then discusses favorite movies with Jodi.

Jodi breaks into discussing what topics the show will cover.

She gives an example of navigating a VA Loan and a home purchase, which usually come at the heels of a PCS move.
She notes they will also discuss strategies on how to get ahead when it comes to military benefits, organizations that are great to know, and military lifestyle milestones and how to make the best of them.

Tom says that they want to interact with their audience in some way and then introduces the ‘Military Minute’.

The ‘Military Minute’ he says, is where they will throw out a military item of interest, such as pop culture, trivia, military jargon, bank jargon, or current events.
The answers to the trivia questions will not be revealed until the next episode of the show.
He says if you know the answer to the question, and comment the answer on the social media post accompanying this episode, you plus a charity of your choice, can each win $50.

Jodi asks the very first Military Minute question: Who was the radio DJ that inspired Robin Williams character in the movie “Good Morning Vietnam”?

Watch for Facebook and Instagram posts about this episode
Answer with the correct answer and you plus a charity of your choice can each with $50.

Join us to hear how to better navigate your finances, military life, and the crossroads of the two.

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“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.

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