KateHorrell

Helping Military and Veteran Families Be Confidently Prepared for The Next Stage of Life

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Life Insurance and Disability Claims

11 July 2026

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

An image of a man reading forms with the title "Life Insurance and Disability Claims."

“Make sure you buy life insurance before your disability claim is finalized.” I hear this myth a lot. And, like most myths, it’s based in a little bit of fact. But that little bit of fact doesn’t make it a true statement.  Insurers underwrite based on your actual medical history and symptoms, not on whether… | Read More…

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Filed Under: Retirement, Transition/Separating

10+ Places To Learn About The Survivor Benefit Plan (SBP)

10 June 2026

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

Retiring service members and their spouses MUST learn about the Survivor Benefit Plan before they make a decision. The choice whether to purchase the military’s Survivor Benefit Plan (SBP) coverage may be the largest financial decision of your life. As I’ve discussed extensively, it is a very individual decision and there is no best answer… | Read More…

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Filed Under: Retirement

What Is A Transition Fund, And Why Do You Want One?

20 April 2026

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

If you’ve hung out around this website long enough, you have heard me talk about having a transition fund. I think I may have made up that term…maybe not. But I sure am fond of it. So what exactly is a transition fund, and why would you want one? This post is part of The… | Read More…

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Filed Under: Retirement, Transition/Separating

2026 Retired Military Paydays – With Printables

14 January 2026

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

The 2026 Military Retirement Payday calendars are here! Military retirement pay is paid monthly, on the 1st of the month, unless the 1st is on a weekend or holiday, in which case it is paid on the previous business day (the last business day of the previous month.) Military retirement pay is paid in arrears,… | Read More…

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Filed Under: Pay, Retirement

Legal Residence after Leaving The Military

2 January 2026

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

As active duty service members and their spouses, you’ve benefitted from laws that allow you to maintain your legal residence somewhere other than where you actually live. However, these federal laws no longer apply once you leave the military. So what happens then? In short, you become a legal resident of the place where you… | Read More…

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Filed Under: Retirement, Transition/Separating

Your Military Retirement Move: Travel, Household Goods and Storage

28 November 2025

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

Your military retirement move can be a big step in the transition to civilian life. Retiring military members are authorized a move from their last duty station to a home of selection. This includes the movement of household goods and the transportation of eligible family members. This post is part of The Comprehensive Military Retirement… | Read More…

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Life Insurance or SBP? Asking The Right Questions

11 October 2025

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

Life Insurance or SBP? (That’s the military’s Survivor Benefit Plan.) If I had a nickle for every time I was asked that question – well, I’d be able to go out for a coffee this week. And next week. And every week into the future. At least once a day, someone asks me some variation… | Read More…

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Filed Under: Pay, Retirement

Kate Rants: TSP Is Not The Right Tool For Timing The Market

10 September 2025

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

Thinking about timing the market with your Thrift Savings Plan account? I see many people who want to turn their TSP into a platform for what is essentially day trading. There are whole Facebook groups about it. Just don’t. Usually, my rants are on subjects that I know inside out. But today’s rant is going… | Read More…

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Filed Under: Personal Finance, Retirement

Everything About The Military’s Survivor Benefit Plan (SBP)

16 July 2025

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

This post is part of The Comprehensive Military Retirement Checklist. Be sure to read all the other posts that go with the checklist, too! It iss also part of a larger series about the Survivor Benefit Plan. Here’s the complete list of posts. Life Insurance or SBP? Asking The Right Questions Retiring Military: Should You Choose… | Read More…

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Filed Under: Personal Finance, Retirement

From The Mailbag: Term Life Instead of SBP

11 June 2025

This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

This post is part of a larger series about the Survivor Benefit Plan. Here’s the complete list of posts. Everything About The Survivor Benefit Plan Understanding the SBP-DIC Offset Life Insurance or SBP? Asking The Right Questions Retiring Military: Should You Choose SBP? 10+ Places To Learn About The Survivor Benefit Plan The Survivor Benefit… | Read More…

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Filed Under: Retirement

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WELCOME!

Confidently Prepared!™

Hi! I'm Kate! Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner®. I'm also the spouse of a retired sailor and mom of four young adults.

Here at the blog, I talk about the financial issues that affect military families - pay, allowances, and benefits. Plus college stuff, landlording, moving, taxes. We cover a little bit of everything.

My goal is to give you the tools to make the best decisions right now, so you'll be confidently prepared for whatever comes next - whether that's a PCS move, transition to civilian life, or retirement.

So grab a cup of coffee, tea, or whatever makes you happy, and let's get to know each other.

Confidently Prepared™ A Printable Binder to help your military family be ready for whatever surprises life throws at you next.

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Kate does not represent the Department of Defense, the Department of Veterans Affairs, or any government agency. This blog is strictly for informational and entertainment purposes only. The content on this site should not be considered professional financial or legal advice. I may receive compensation through affiliate or advertising relationships from products mentioned on this site. All reviews on this site represent the personal opinions of the author. All references to third party products, rates, and offers may change without notice.

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