Military & Veterans strategies
10 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.
- Military & Veterans
SCRA 6% Interest Rate Cap on Pre-Service Debt
Servicemembers Civil Relief Act caps ALL pre-service debt (mortgage, credit card, student loan, auto) at 6% during active duty.
$1K–$10K+ in forgiven interest per year of service - Military & Veterans
VA Loan Bonus Entitlement — Multiple Homes with $0 Down
Vets keep second-tier entitlement to buy another home with 0% down before selling the first — house-hack indefinitely.
20% down payment saved × multiple properties - Military & Veterans
Combat Zone Tax Exclusion (§112) + Roth Mega-Fund
Combat pay is federal tax-free — contribute up to $70K to TSP as tax-free traditional, withdraws tax-free as Roth conversion.
$20K–$50K/yr in tax-free tax-deferred growth capacity - Military & Veterans
TSP G Fund — Government-Only Bond Fund with No Interest Rate Risk
The TSP G Fund pays intermediate-Treasury rates with the price stability of a money market — no civilian equivalent.
150–250 bp/yr vs money market with zero rate risk - Military & Veterans
100% VA Disability Rating — Property Tax + Federal Tax Waivers
100% P&T disability triggers state property tax exemptions, federal income tax exclusions, and dependent education benefits.
$8K–$50K/yr across tax + benefit stack - Military & Veterans
Post-9/11 GI Bill Transfer to Dependents
Servicemembers with 6+ years service can transfer up to 36 months of Post-9/11 GI Bill benefits to spouse/kids.
$50K–$150K per dependent in education benefits - Military & Veterans
Savings Deposit Program — 10% Guaranteed on Deployed Pay
Deployed servicemembers can deposit up to $10,000 in SDP and earn a guaranteed 10% APR — the best fixed rate in America.
$1,000/yr guaranteed per $10K deposited - Military & Veterans
MSRRA / SCRA State Tax — Keep Home-State Residency
Servicemembers and spouses keep home-of-record state tax residency regardless of duty station — pick a no-income-tax state.
5–13% of gross pay saved for entire career - Military & Veterans
CRSC / CRDP — Recover VA Waiver on Military Retirement
Combat-Related Special Compensation restores tax-free VA disability payments offset from military retired pay.
$500–$3,000/mo recovered from VA waiver - Military & Veterans
Military Bank Rate Arbitrage (USAA / Navy Fed / PenFed)
Military-affiliated banks offer 0.99% auto loans, no-fee wire, foreign ATM refunds, and top rewards cards.
$500–$3K/yr in reduced fees + better rates