Military Millionaire

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Military Millionaire

Hi, I’m David Pere! I’m here to show you exactly how you can build wealth through real estate investing, entrepreneurship, and personal finance. I want to be your guide to financial freedom!

8 Do’s and 3 Don’ts to Become a Military Millionaire

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Simple, but not necessarily easy.

It isn’t hard to save money, invest it in a boring index fund, and let compound interest work its magic…except this is slow, not exciting, and requires discipline.

Luckily service members have an innate amount of discipline!

If you can follow these ten steps (and avoid the three pitfalls below) you can become a military millionaire before retirement as well!

1. Expense Creep

Expense creep is a silent killer.

We tend to increase our spending habits a little bit with every pay raise, it is human nature.

Resist the urge, and save at least half of every pay raise you receive. In the military, you will receive a pay raise with every promotion as well as every other year (every year for your first 4)!

It will be tempting to increase your spending with each pay raise, but you must check that impulse.

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If you want to treat yourself to a one-time expense that is perfectly acceptable but don’t buy something that will increase your monthly spending (like a membership, monthly service, or financing a new car).

This is important because you want to be able to save as much of your income as possible in order to invest it.

If you increase your expenses with every pay raise you will be adding years to your military millionaire timeline.

An easy way to keep these expenses from creeping is to shop on base as much as possible. Gas on base is usually the cheapest you will find in the area, and the commissary is (almost) always cheaper than anything off base.

The commissary is so cheap because they are required to sell everything at cost!

Don’t forget, everything on base is tax-free …depending on state taxes this could save you a fortune!

The bottom line is this; with personal finances, income is seldom the problem…expenses are!

2. Pay yourself first

Repeat after me, “I will always pay myself first!”

Okay, good…now let me tell you what that means.

Paying yourself first is the best way to ensure you save/invest every month.

Imagine this, you receive your paycheck on the first of the month. You pay your mortgage and utilities, buy gas, purchase your groceries for the next two weeks, spoil the kids a little bit, and spend a night out on the town. On the 14 th of the month, you decide to save everything that is left from your first paycheck…only to discover you don’t have anything left.

This unfortunate scenario is a reality for entirely too many people!

According to CNBC, 78 percent of government employees live paycheck to paycheck…

Now, let’s imagine a better scenario.

You receive your paycheck on the first of the month. You have an automatic allotment set up that puts $500/paycheck into an account for saving/investing (that you do NOT touch). This will force you to adhere to a budget in order to cover your expenses for the month.

At the end of the year, you will have saved $12,000.

Let me curb your worries, complaints, and fears about this concept. The beautiful thing about paying yourself first is that you will find a way to pay for mandatory expenses, but you will have already budgeted for saving/investing.

In the first scenario, you would be tempted to spend this $500/paycheck because it is available…and thus hurting your financial future.

I know it is bad to speak in absolutes (they say the gods love to toy with people who use absolutes) but you should ALWAYS pay yourself first.

Stop what you’re doing right now and set up an allotment to pay yourself first.

…seriously, stop and go do that right now!

The military millionaire will pay themselves first.

3. Increase your income

This is the part everybody likes to talk about, making more money!

There are so many ways to increase your income in the military, but here are a few of my favorites!

First, make sure you have taken advantage of any opportunities for promotion. If you’re close to promotion, but need to finish some online training in order to be eligible…finish it.

It baffles me that people miss out on opportunities to get promoted in the military because they’re too lazy to finish a couple of classes.

If you’re eligible to take (and think you’ll pass) the language exam(s), do so. This is free money for bilingual service members.

After you’ve exhausted all means to increase your income from the military perhaps it is time to look towards a side hustle.

I have known Marines that worked as a bouncer for local night clubs on the weekend, and Marines that worked as security guards on the weekend.

The more common side hustles I see nowadays though are things like driving for Dominoes, Uber, Lyft, Bite Squad, Uber Eats, or any number of delivery services.

I like these ideas because the hours are flexible, and (bonus) you can listen to audiobooks and podcasts while doing it.

Learning while working is a huge life-hack if you can take advantage of it!

Another option is to start a small business, if you’re reading this (which you are), it is because of one of my side hustles!

You can even earn more money by volunteering for deployments to receive imminent danger pay!

4. Invest in yourself

I alluded to this above, but the ability to learn while you work is a force multiplier in life!

I like to have a 15 or 20-minute commute to work in order to listen to Audible on my commute.

As I mentioned, listening to podcasts/audiobooks was a bonus for delivery side hustles, but imagine if the military would pay you to invest in yourself…

Newsflash, they do!

Not only does the military pay you to go to basic and advanced schooling for your job, but they require you to attend professional military education (PME) and leadership schools as you progress through the rank structure.

In addition to this, the local education center has monthly financial classes you can attend. They offer classes about budgeting, investing basics, understanding the Thrift Savings Plan (TSP), etc.

Take advantage of these classes as much as possible. The military is literally paying you to gain a financial education!

Also, every command has a command financial specialist (may have a different name depending on your branch of service). Their job is to talk finance and answer your questions.

I recommend that you pick their brain, but a word of warning, some of them got voluntold for the position and aren’t really good with finances, so vet them as much as possible.

5. Make Taxes your [email protected]

I love this one!

Did you know that only about 40% of your income is taxed in the military?

Realistically this number will depend on where you are stationed, but your base pay is about the only thing that gets taxed.

When you look at your leave and earnings statement, everything that has “allowance” in the title does not get taxed.

That’s right, your basic allowance for housing (BAH), cost of living allowance (COLA), basic allowance for sustenance (BAS), etc.…all tax-free.

That means you are already in one of the lowest tax brackets possible, for the amount of money you receive.

Now, there are ways to pay even less in taxes.

One of the easiest is the 401k account in your TSP. The 401k allows you to defer taxes until withdrawal. Yes, this means you will need to pay taxes on the money when you withdraw it in retirement, but it means you don’t pay taxes on it now.

Currently, the maximum amount you can contribute to your TSP annually is $19,000.

Let’s say your base pay is $40,000 annually. If you contribute $10,000 to your 401k account you will only pay taxes on $30,000 of your annual salary!

You could realistically max out your TSP, and live on your allowances in order to mitigate the amount you pay in taxes!

*It can be argued that perhaps investing in the ROTH 401k is more beneficial for military members. You will now pay taxes immediately (while most of your income isn’t taxed) in order to avoid paying taxes upon withdrawal. This is a decision you need to make!

You will need to understand taxes on the road to becoming a military millionaire.

Real estate investing is another great way to minimize the amount you pay in taxes!

6. Make your money work for you

Investing is another force multiplier that will help you build wealth much faster.

For this reason, it is important to understand the basics of allowing your money to go to work for you.

Putting your money to work should be an ongoing evolution. Once you understand the basics of investing, it can be simple to automate!

The three strategies below are some of my favorites, but there are many ways to invest.

*warning* All investing involves (at least some) risk. Make sure you have a firm understanding of whatever platform(s) you choose to invest with. Don’t invest just because you know somebody who made money doing that…do your own research first!

a. Thrift Savings Plan

As I just discussed, the Thrift Savings Plan is a great way to ace your tax-game!

However, that wouldn’t be worth it if it was a terrible investment.

For that reason, I want to discuss a few reasons the TSP is such a great vessel for you to invest.

It is automated.

Yes, this meets the criteria of paying yourself first. If you increase your allotment with every pay raise it will also help you avoid expense creep!

It has low fees.

The TSP has some of the lowest fees available to index funds. The fees average around 0.040%. That means for every $100,000 you have in your TSP the annual fees average…are you ready for this…forty dollars.

I don’t know about you, but I can afford to have somebody professionally manage my money for $40 per every $100,000 I invest. That is a steal!

Most index funds on the market have fees that are at least double this.

There are a few funds that have recently lowered their fees, but it is yet to be determined whether they will be able to maintain this, and/or if their fund will have a competitive performance with the TSP.

The bottom line is that the TSP is one of the best options out there, and you need to take advantage of it.

Another advantage is that individual 401k accounts are only authorized a $6,000 annual contribution. Contrast that with the $19,000 authorized for TSP ($56,000 annually if you’re in a combat zone)!

The TSP is great because you can set an allotment and let compound interest work for you!

This option is even better now that the new blended retirement system (BRS) allows the military to match up to 5% of your paycheck in monthly contributions!

Read this article for more information on TSP investing

b. Index Funds

According to Investopedia, An index fund is a type of mutual fund with a portfolio constructed to match or track the components of a financial market index, such as the Standard & Poor’s 500 Index (S&P 500). An index mutual fund is said to provide broad market exposure, low operating expenses and low portfolio turnover.

But what does that technical mumbo-jumbo definition mean.

It means that an index fund is a lot of stocks lumped together, with minimal trades conducted.

This is a slow, boring way to invest…and that is why it works!

Index funds are a great asset class for the military millionaire.

I’m a fan of the Vanguard VTSAX fund, which owns stock(s) from EVERY publicly traded company in the United States.

That means if you bet against VTSAX you are betting against the entire nations’ economy!

I don’t know about you, but I believe that companies generally want their business to blossom and grow. For this reason, I have faith in total stock market index funds…because you’re riding the coattails of every successful company!

Index funds are the bread and butter of The Simple Path to Wealth by JL Collins.

The strategy you want to employ with index funds is to pick one or two that you like, set up a monthly allotment to that fund, and then don’t look at it more than once a quarter (the less the better).

I only look at mine twice a year, and that is to readjust allotment depending on which fund I want to put a little more into for the next few months.

Don’t stop contributing to this fund no matter what the market does, and don’t pull your money out. I know this is easier said than done when the market is trending downward, but you can’t let emotions get the better of you.

By investing when the market has plummeted you are buying more shares for each dollar you contribute. When the share price rises again (and it will) you now have even MORE money in the fund than before!

This is called dollar-cost averaging, and it works like magic over the long haul!

c. Rental Properties

In case you’re new to the website, this is my favorite.

I absolutely love real estate investing, and a large portion of my articles are written about this topic.

There are so many great reasons to invest in real estate, cash flow, appreciation, depreciation (tax write-offs), and debt pay-down are just a few of these.

I love the idea that I can buy a property, and my tenants will pay off my mortgage, while simultaneously paying me to do so!

As a future military millionaire, there are some great benefits afforded to you.

My favorite of these is the VA home loan!

The VA loan allows you to purchase a 1-4-unit home for ZERO money out of pocket!

That’s right, you can buy your first home without paying a penny.

The VA loan can even pay for any renovations you need to complete!

I recommend that your house hack this first property. House hacking is when you buy a duplex, triplex, or four-plex and live in one unit while renting the others out. These tenants will pay your mortgage, and you can live for free…maybe even get paid to live there!

Not paying for housing is a huge benefit and I recommend that you save/invest every penny that you would have been paying to live there.

When you move out of the property you will make even more cash flow, and be able to re-invest that money again.

Rental properties are a great way to build wealth, but be sure to buy the home as an investment. Turning your home into an investment doesn’t always work if it wasn’t planned to be used that way at the time of purchase.

That is because nice primary residences often cost more to maintain than tenants are willing to pay for rent.

7. Marry Intelligently

This is a controversial point.

I am, however, a Marine…and we don’t shy away from controversial.

Every military millionaire needs a smart, supportive spouse!

I have seen more lives destroyed by divorce than I care to mention. The problem is that people get married for the wrong reasons…love, lust, pregnancy, BAH (sad but true), and other emotional reasons.

Before you get super offended hear me out.

Firstly, let me explain that my parents work for an organization that travels the nation from conducting marriage conferences. I had a great example of marriage while growing up, and have seen a lot of the opposite in the military.

Having seen both sides, and talked to people on both sides of the fence, here are some keys to avoiding disaster.

It takes 18-24 months for the infatuation to wear off. Therefore, if you decide to get married in this time, you’re setting yourself up for potential failure. I would wager that anybody trying to rush you into marriage faster might not be the right person for you (if they are, they’ll still be the right person in 24 months).

No, not that talk…you need to talk about finances.

Know how much debt you’re marrying. If you’re struggling financially, and your future spouse has $100,000 in student loans that they aren’t able to pay off, that is a problem.

If you’re trying to build wealth, but your significant other has a hole in their pocket that might end poorly.

Too many people rush into marriage, and then things fall apart for one reason or another.

Financial stress is the leading cause of divorce in America. Wouldn’t you want to know about their financial wellbeing BEFORE it is too late?

The bottom line is this, marry intelligently. Your partner needs to have similar goals and be on a similar path as you…otherwise it will be a rough journey.

8. Network with another military millionaire

Future military millionaires surround themselves with millionaires.

A famous Jim Rohn quote says that “you are the average of the five people you spend the most time with.”

For this reason, you need to upgrade your network.

Am I saying to ditch all of your friends? Maybe. If your friends are holding you back in life, cut them off.

Stop spending time with negative people!

*Life-hack alert* If you notice a friend is constantly posting negative, or anger-inducing content on Facebook…unfollow them. Unfollowing them will hide any and all of that negative crap, but since you didn’t unfriend them it will go unnoticed!

Trust me, you’ll notice a huge difference when scrolling through social media.

In the same manner, you need to replace the negative Nancy with positive Paul…or the negative Nick with positive Pauline (this is an equal opportunity blog).

There are a few benefits to doing this.

One is that your life will be less stressful after limiting your time with negative people in your life.

Another is that by being around people that have already achieved the goals you want to achieve you will gain a wealth of experience. These people will help pull you up to their level of success, and you will notice massive growth taking place in your life!

I cannot stress this enough, networking is one of the most important items on this list!

Avoid these Pitfalls on the Road to Military Millionaire!

It is just as important to avoid pitfalls as it is to follow the advice above.

These are three common mistakes that service members make, and news-flash…I made all three!

Please, learn from my mistakes

1. New Cars

Vehicles are probably the biggest mistake young service members make.

I have heard some unbelievable stories of what not to do.

I have seen a young service member agree to interest rates over 20% (once over 30%) in order to buy a vehicle.

I bought this Harley Davidson brand new, but at least I had a reasonable interest rate.

It was still a poor financial decision though. I spent thousands of dollars upgrading exhaust, engine, cosmetics, etc. Only to have it totaled a few years later and not get much of that money back.

I would like to tell you I learned my lesson there…but the 2001 Honda S2000 clearly shows otherwise.

I spent close to $6,000 in upgrading this car.

Now, I won’t tell you I regret either of these vehicles. They were both a ton of fun to own, and I absolutely loved that turbo-charged S2000!

…but I will tell you they were terrible financial decisions!

On both of these vehicles, I lost money when I sold them…not even including all of the modifications I put on them.

I literally lost thousands of dollars on these vehicles.

Contrast that with my last two vehicles and you will see why I call these mistakes.

Combined, I drove over 50,000 miles in my last two vehicles, and sold them for $3300 profit when I was done with them!

How did I manage this?

The strategy to avoid this

I recommend you buy a 5-6-year-old vehicle, from a private party that took great care of their vehicle but needs to sell fast.

This is generally pretty easy around military installations as service members will sell their vehicle at a discount when moving to a new duty station.

If you buy at a discount, and take care of the vehicle there is no reason you can’t recoup most of the purchase price if/when you sell the vehicle.

I just did this again!

I found a 2020 VW Jetta SportWagen TDI for $10,900.

This car has a current Kelly-blue-book value of $12,500-$13,300. That means I purchased it

$2000 under market value, which gives me a huge buffer for when I sell it!

The kicker, it looks brand new, gets over 40MPG, and only has 23,300 miles on it!

2. Tattoos/Alcohol

*Disclaimer* I have four tattoos and like drinking beer.

I’m not going to preach to you about tattoos or alcohol, both of them have their place.

Just be smart about it if you want to be a military millionaire!

Tattoos are fun, but rather than racing to cover your entire body, plan your designs and save for them over time.

This will help you avoid blowing your paycheck on tattoos and also help you avoid getting tattoos that you’ll regret later (when it is too late).

Alcohol is also fun, but it’s critical to drink in moderation.

Booze is not cheap, maybe you can get friends to buy your drinks…or simply drink less!

I will warn though; DUI’s are fairly common in the military.

This mistake will cost you thousands of dollars. The average cost of a DUI in Hawaii (where I’m currently stationed) is around $12,000.

Whatever you do, don’t make this mistake. It will leave you in financial ruin, and could potentially end your career too.

Talk about a double-whammy!

The bottom line with tattoos, alcohol, and partying is this…

Have fun, be safe, and don’t blow all of your money!

Military millionaires budget for these expenses!

3. Wasting time

Opportunity cost is like the financial sucking chest wound you’re unaware of.

Every dollar you choose to spend on an energy drink, tobacco, or taco bell is a dollar you don’t get to invest.

Over your lifetime that dollar could have become much more valuable!

The problem is that most of us don’t think about this until much later in life ☹

Time is the greatest advantage we have at a young age. If you’re receiving a 10% interest rate your money will double every 7 years. This means you could have doubled your invested capital at least once by the time most people are just starting to save/invest!

The best way to avoid this pitfall is simple…start investing immediately!

I’m not recommending you dump all of your money into a rental property tomorrow. You need to do your research, and know what you’re doing, before investing.

You can, however, increase your TSP contributions, and begin an investment savings account, immediately!

TL;DR Military Millionaire summary!

Becoming a military millionaire is simple.

Having the discipline to stick to the plan is not.

Now that you’ve completed reading through these strategies it is time to get busy!

Write out a plan, improve your budget, automate your savings/investing, and DO NOT STOP!

Don’t let time pass you by…the sooner you start investing, the faster you will become a military millionaire!

#33: How I Became a Millionaire on a Military Salary – with Doug Nordman

After serving in the Navy for 20 years, Doug Nordman, then age 41, retired from his military career.

Most of his peers started second careers in the civilian world. But Doug didn’t.

He had an ace up his sleeve: he had spent his military career saving 40 percent of his income. By the time he turned 41, he held an investment portfolio worth $1 million. Those investments, coupled with a Naval pension for $30,000 per year, propelled him into financial independence.

He’s remained retired since leaving the Navy. He’s now 55. He surfs three times a week. He travels to Europe on a whim. His retirement portfolio survived two recessions and is now worth $1.7 million.

In this interview, Doug shares the story of how he became a millionaire on a military salary. He also talks about the fulfillment he’s found through financial independence. Enjoy.

How Your Military Paycheck Can Become a Million Dollar Military Retirement

Using just part of your military paycheck, you can retire as a military millionaire. It’s true.

Becoming a military millionaire is about making your money work for you while you’re enlisted in the military, and it isn’t as complicated as it sounds. It starts with your focused military attitude towards money management, and ends with you receiving a million dollar payback.

Following these solid financial rules and investment strategies, you can keep it simple and become a military millionaire, even well before your military retirement.

Pay yourself first from each military paycheck

The first rule of the military millionaire is to invest 10% of your military paycheck each pay period.

This is the “Pay Yourself First” rule. You pay yourself first by automatically putting money from each military paycheck into an investment vehicle designed to make you money, before you spend your military pay on the necessities and luxuries you also deserve.

You must make it your unfailing habit to pay yourself first – any amount will do, but by paying yourself at least 10% of your military salary, you put yourself on the fast track to financial freedom.

Don’t feel discouraged if you can’t manage to pay yourself 10% of your military pay. Remember, consistency of payment is more important than the actual amount.

“Pay Yourself First” is your Number 1 Military Millionaire Rule, and it’s non-negotiable.

Find your military investment style

Don’t relinquish control of your finances to any financial experts; become educated and find the investment vehicles that suit your own military investing style.

Military investing isn’t limited to the higher-risk world of the stock market. If you prefer a safer and more secure yield, you can invest your military pay in FDIC insured bank accounts including high-yield money markets, and harness the power of compounding interest.

— Military Millionaire Strategy: Compounding Interest

How can you become a military millionaire with a military bank account? When you start young and make it a habit to invest 10% of each military paycheck in smart military banking, you are able harness the full power of compounding interest all through your military career.

Compounding interest is defined as interest earned on a combination of the money you have put into the account, plus interest which is added to your account each interest-period and thus becomes part of your increased balance. That increased balance continues earning more interest, and your investment simply grows over time.

The younger you start putting compounding interest to work for you as a strategy, the faster your military millionaire account may grow (interest rates do fluctuate).

With compounding interest and time on your side, if you started an account at age 18 and invested $174 per month, you could be a military millionaire by age 53.

If your paycheck is higher and you invest $701 per month monthly starting at age 18, you could become a military millionaire by age 40.

Compounding interest is one way your money “works” for you and “earns” you money.

— Military Millionaire Strategy: Manage stocks with a military attitude

The stock market is nothing to be afraid of; it’s just another investment vehicle. But, like all vehicles, it can run you off the road if you don’t learn to how to manage its power before you start the engine.

If you don’t have the time or inclination to learn stock market investing, you can still become a military millionaire with Strategy #1.

If you want to learn stock market investing but prefer a safer route, there are lower-risk stock investments that can still offer the potential for long-term gains.

Instead of buying one stock, or depending on stock recommendations from a friend or advisor, you can actually invest in the entire stock market all at once. The strategy is to invest in broad based market index investments.

Broad market index investments allow you to invest in the overall market, like the NASDQ 100 and S&P 500. Buying one S&P 500 index traded fund allows you to control a portion of all 500 stocks in that index. When the entire S&P 500 index moves up or down, your fund will reflect that; but you are spreading the risk over the entire market of 500 stocks as opposed to putting your money in one stock, or even one industry group.

A basic military investment technique called ‘dollar cost averaging” allows you to consistently buy a fixed dollar-amount of a broad market index fund each month. Your bank and brokerage firm will automatically invest your specified amount monthly.

Make no mistake: broad based index fund investing still requires your thorough understanding. Track your stock market investments at least monthly, perhaps on the day you’ve arranged your dollar cost averaging plan each month.

— Military Millionaire Strategy: Get down to business and become an entrepreneur

Being in the military gives you access to military small business loans and services that allow you to start a part-time business and earn hundreds of dollars in additional monthly pay.

Becoming an entrepreneur can help you fast-track it to military millionaire. With the added income from your business, maybe you can invest 20% of your military paycheck and apply your business-earned income towards your expenses. Or get really military minded and invest your entire military paycheck while you live off your business income.

There are also tax benefits available to business owners designed to keep more of your military paycheck in your pocket.

Choose investments and set your military compass to millionaire

Investing and managing your military paycheck isn’t a subject taught in military training, but it’s never too late to learn. These military investment strategies are just some of the ways you can become a military millionaire, in the shortest timeframe.

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