Kate Horrell

Kate Horrell is an Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner® who helps the military community make the most of their pay and benefits. With more than 15 years working with thousands of military families, she helps currently serving, retired and veteran families.

She has been married to a now-retired sailor for 32 years, corralling four girls and two cats across four OCONUS tours and a handful of homes in the U.S. She’s navigated landlording, Overseas Housing Allowances, the Post-9/11 GI Bill, the Survivor Benefit Plan decision, and transition to civilian life.

Latest Articles

Tricare Demo in Two Cities Lets Users See a Specialist Without a Referral

Through the demonstration, beneficiaries will receive care through the CareSource provider network instead of the Humana...

Manage Household Utility Costs at Your New Base by Avoiding These Pitfalls

Being stationed at a location with a hot summer or a cold winter may make it harder to pay large energy bills. Budget billing...

Children that attend the Defense Supply Center Richmond Child Development Center place pinwheels in the ground after a Pinwheel Parade at Defense Supply Center Richmond, Virginia

How to Plan for an Extended Government Shutdown

Well, it’s finally happened. After years of reporting on what to expect if the government shuts down and military pay is...

There are steps you can take to survive a government shutdown and potential military pay delay.

What to Do in a Government Shutdown: Don't Panic! Be Proactive

Panic seems like the natural response to the prospect of missing a paycheck due to a government shutdown. But a better idea...

Airmen from the U.S. Air Force Honor Guard and a bugler from the U.S. Air Force Band’s Ceremonial Brass conduct military funeral honors for U.S. Air Force Capt. Wade Holmes in Section 57, Arlington National Cemetery, Arlington, Virginia.

Lump-Sum Benefits for Survivors of Active-Duty Military Members

Even military families often don’t know what benefits are available to the surviving family of an active-duty service member.

U.S. Air Force Senior Airman Judah Rice, a honor guardsman assigned to the 628th Air Base Wing, gives a facing movement command during military honors simulation for an active-duty funeral, Joint Base Charleston, South Carolina.

Monthly Benefits for Survivors of Fallen Active-Duty Service Members

When combined, the Survivor Benefit Plan (SBP) and Dependency and Indemnity Compensation (DIC) can offer a steady stream of...

Montage of a pile of cash, a stethoscope and a calculator.

Tricare Premiums vs. Enrollment Fees: Here's Why the Difference Matters

Being aware of your Tricare catastrophic cap can help you plan your medical budget and make smart decisions about carrying...

A stethoscope lies on top of fanned-out US $100 bills.

Understanding Your Tricare Catastrophic Cap

Being aware of your Tricare catastrophic cap can help you plan your medical budget and make smart decisions about carrying...

Two recent graduates of Hohenfels Middle High School at U.S. Army Garrison Bavaria, Germany, pose for a photo during the school's graduation ceremony June 6, 2025, at the school's football field. (Bryan Gatchell/U.S. Army photo)

How to Change Tricare Coverage After a Qualifying Life Event – and Which QLEs Count

Many service members experience one or more qualifying life events, or QLEs, each year, unlocking opportunities to change...

Advisers stand behind a table and talk to U.S. Air Force members.

When to Be Wary of Free Financial Advice, Plus Alternatives Available to Military Households

Financial companies offering free financial advice usually make their income by selling financial products such as insurance...

Why Service Members Need to Be Wary of Financial Advice on TikTok

While the app is full of energetic creators who present fun content, the financial guidance circulating on the platform is...

Numbers and symbols appear on Ben Franklin's currency face.

How Stock Turbulence Has Affected Thrift Savings Accounts, and How You Can Strategize

The value of Thrift Savings Plan funds has been volatile over the past year, reaching new highs and producing some big dips...

A mans arms are pictured taping shut a cardboard moving box.

Personally Procured PCS Moves Are Changing. Here’s What You Need to Know.

If you’re considering a personally procured move (PPM) this year, how can you keep any potential out-of-pocket costs as low...

Preschoolers around a low table play with big Legos.

Think You'd Like to Work as a Family Child-Care Provider for the Military?

If you're good with kids, becoming a family child-care provider can be a great way to support your fellow military families...

An orange and black lawn mower pictured from above crossing green grass.

Can I Pack This? The Items You Should and Shouldn't Ship with Your Household Goods This PCS Season

Knowing what can and can’t be shipped, and what probably shouldn't be shipped, can make your move easier.

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Most Popular Military News

Rep. Michael Lawler, R-N.Y., left, confronts House Minority Leader Hakeem Jeffries, D-N.Y.

Federal Government Shutdown Grinds into a Second Week as Tempers Flare at the Capitol

As the federal government shutdown enters a second week, there’s no discernible endgame in sight.

U.S. Sen. Richard Blumenthal (D-Conn.) questions U.S. Attorney General Pam Bondi as she testifies before the Senate Judiciary Committee in the Hart Senate Office Building on Capitol Hill in Washington, D.C.

Trump Targets Blumenthal, Calling for Investigation into Senator's Vietnam Service Claims

President Donald Trump is targeting U.S. Sen. Richard Blumenthal again after Connecticut’s senior U.S. senator grilled U.S...

Pvt. Paul Douglas, age 50, performs a rifle inspection with his drill instructor aboard Marine Corps Recruit Depot S.C., 1942. Douglas, at age 50 was the oldest recruit in the history of Parris Island, and went on to become a purple heart recipient and Chicago senator (DVIDS).

At 50, He Survived Marine Boot Camp — Then Fought at Peleliu and Okinawa

When 50-year-old Paul Douglas showed up at Marine Corps boot camp in 1942, the white-haired economics professor looked more...

Pack and transport platoon of the Russian army. Southern Military District. Ministry of Defense of Russia (Wikimedia Commons).

Ukrainian Drones Attack Russian Cavalry Troops in Rare 21st-Century Encounter

A short video circulating online this month appears to show a Russian mounted patrol being struck by a Ukrainian drone near...

When The Government Can Afford Everything Except The Essentials

Every shutdown forces the government to decide what counts as “essential.” Air traffic controllers and TSA agents fall into...

Troops Will Miss Paychecks Next Week Without Action on the Government Shutdown

The federal government shutdown is raising anxiety levels among service members and their families, because those in uniform...

Latest Military Videos

This Medal of Honor Recipient Reenlisted to Avenge his Brother's Death in Korea

Ronald Rosser, who had already served three years in the Army, signed back up for one simple reason: revenge...

'Greatest' US Soldier Took a Tank Round to the Leg and Kept Fighting

The accounts of everyone who watched Matt Urban mount a tank under heavy fire in Normandy were "remarkably consistent"...

Wreckage of Turkish Military Cargo Plane that Crashed in Georgia

A Turkish accident investigation team reached the crash site of a military cargo plane early Wednesday and was inspecting...

Video Shows Moment of Turkish Military Plane Crash

Footage obtained by Georgian media showed the moment a Turkish military plane crashed in Georgia.

Investigations and Features

In One of the Marines' Most Iconic Jobs, a Stunning Pattern of Suicide

Marine Corps drill instructors are a national symbol of discipline. But for some, their imposing persona belies a dark...

Army Capt. Jeremy Kuykendall and his wife Kate, cradle their daughter

Unsupervised: Military Child Care Centers Slow to Report Abuse with Little Oversight

A Military.com investigation into military day care centers revealed that service branch rules generally prioritize...

Army News

Capt. James T. Kolb of Company A, 147th Infantry, assisted by Sgt. Keogh, uses a flamethrower against dug-in Japanese troops on Iwo Jima, April 20, 1945. Relieving Marine Corps units, the Soldiers of the Ohio National Guard’s 147th Infantry Regiment fought on the island from March to September 1945, clearing the remaining enemy troops, some of whom were hiding in intricate cave systems. (Photo from Ohio Army National Guard Historical Collections)

The Only Army Unit to Fight in Five of the Marine Corps’ Bloodiest WWII Battles — Including Iwo Jima

From Guadalcanal to Okinawa, the Marine Corps earned its reputation for tackling some of the bloodiest battles of World War...

Herbert Morton Stoops’ Battle of New Orleans captures the fury of the British assault against the American lines at Chalmette Plantation. Contrary to Stoops’s depiction of the 93d Highlanders, which shows them wearing kilts, the Scotsmen attacking the American lines wore trousers. (Army Art Collection)

How a Rag-Tag Group of Soldiers, Marines, Choctaw, Militia and Pirates Saved New Orleans From the British

By December of 1814, American forces were in tatters. The Redcoats had dominated them in the War of 1812, repulsed their...

Navy News

Iran Seizes Tanker in Strait of Hormuz, US Official Says, as Tensions Remain High in Region

Iran seized a Marshall Islands-flagged oil tanker as it traveled through the narrow Strait of Hormuz, a U.S. official said...

How a Rag-Tag Group of Soldiers, Marines, Choctaw, Militia and Pirates Saved New Orleans From the British

By December of 1814, American forces were in tatters. The Redcoats had dominated them in the War of 1812, repulsed their...

Air Force News

Postal workers wear masks and gloves as they sort mail at the United States Postal Service processing and distribution center on Thursday, April 30, 2020, in Oakland, Calif. (AP Photo/Ben Margot)

Final Salute for Airman Found Dead in USPS Machine

An Air Force veteran was recently found dead inside a mail-handling machine at a Michigan USPS facility after going missing...

NATO Secretary General Mark Rutte speaks during the NATO-Industry Forum (NIF) 2025, in Bucharest, Romania, Thursday, Nov. 6, 2025. (AP Photo/Andreea Alexandru)

White Paper Circulating Pentagon Calls For New Aircraft Plan With NATO: Exclusive

Military.com has exclusively learned that a white paper on U.S. aircraft in association with NATO allies is moving through...

Space Force News

U.S. Air Force U.S. Air Force Tech. Sgt. Rachel Harmon and Master Sgt. Tom Anderson, weapons loaders assigned to the 174th Attack Wing, checks an inert GBU 12 laser guided missile on an MQ-9 Reaper at Springfield-Beckley Air National Guard Base in Springfield, Ohio.

Two Space Force Units Bring the 'Invisible Front Line' to Ohio

A ceremonial ribbon-cutting is planned for Friday for the Space Intelligence Production Cell at the Springfield-Beckley Air...

A painting of a Defense Support Program satellite from the Air Force Art collection. DSP provides a variety of national security capabilities. Its flagship mission of launch detection was made famous during the Cold War. (U.S. Air Force image)

Clearing The Orbits: Space Force Partnerships In Orbital Cleanup

The growing congestion of Earth orbit has raised risks to satellites, space stations, and long-term space sustainability. The...

Marine Corps News

The Only Army Unit to Fight in Five of the Marine Corps’ Bloodiest WWII Battles — Including Iwo Jima

From Guadalcanal to Okinawa, the Marine Corps earned its reputation for tackling some of the bloodiest battles of World War...

How a Rag-Tag Group of Soldiers, Marines, Choctaw, Militia and Pirates Saved New Orleans From the British

By December of 1814, American forces were in tatters. The Redcoats had dominated them in the War of 1812, repulsed their...

Coast Guard News

U.S. Homeland Security Secretary Kristi Noem participates in a tour at the U.S. Coast Guard Station Charleston, Friday, Nov. 7, 2025, in Charleston, S.C. (AP Photo/Alex Brandon, Pool)

More Recruits Require More Space: Coast Guard Announces New Training Center

Days after the U.S. Coast Guard announced some of its highest recruiting numbers in decades, it now intends to open a new...

US Coast Guard Recruitment Hits Highest Mark in Decades: 'Workforce of Future'

The service hits its highest numbers since 1991, with bigger plans to come.

Kate Horrell

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