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

A commissary worker puts pasta on a shelf.

5 Spending Strategies to Fight Bill Creep From Inflation

How do you maintain a spending plan when your bills are creeping up each month?

How to Spend the Money Left in Your DoD Health FSA by Dec. 31

You have plenty of ways to spend DoD Health Care Flexible Spending Account money on eligible expenses. Here are some...

An arm places a can of oatmeal on a shelf.

Start Preparing for the Next Government Shutdown Now, Before It’s Too Late

Having a plan can make a pay or benefits disruption an inconvenience instead of an emergency.

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...

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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

Trump Says He's Dropping Push for National Guard in Chicago, LA and Portland, Oregon

Trump says he's dropping push for National Guard in Chicago, LA and Portland, Oregon, for now.

2026 Marks the 250th Anniversary of the US Declaration of Independence

2026 marks the 250th anniversary of the US Declaration of Independence.

Maduro Says Venezuela Open to Negotiation with US to Combat Drug Trafficking

Maduro says Venezuela open to negotiation with US to combat drug trafficking.

US Fighter Jets Concentrate on a Puerto Rico Airstrip

US fighter jets concentrate on a Puerto Rico airstrip amid rising tensions with Venezuela.

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

The Second Seminole War (1835–42) took place in Florida between the U.S. military and the Seminole people. (Dade Battle by Ken Hughes 1974/Miami History Center)

Seminole Warriors Fought the US Military to a Stalemate in the Florida Swamps

Fewer than 2,000 Seminole warriors held off an American force that eventually numbered more than 30,000 troops. It became the...

Army veteran Robert Hendricks talks about his Vietnam War experience. (Photo from Central Oregon Daily News)

‘I Never Want to See it Again.’ Vietnam Soldier Recalls Deadly Napalm, Tet Offensive

Robert Hendricks, a U.S. Army veteran, shares his harrowing story of surviving the Tet Offensive and the effects of napalm...

Navy News

President Donald Trump listens during a news conference.

US Military Strikes 5 More Alleged Drug Boats, Killing 8 and Possibly Leaving Survivors

Southern Command said it immediately notified the U.S. Coast Guard to activate search and rescue efforts.

Coast Guard Sector North Bend MH-65 Dolphin helicopter

US Navy and US Coast Guard Ask for Input on Environmental Impact in the Northwest

The public, stakeholders and tribes are invited to comment on training, testing.

Air Force News

President Donald Trump and first lady Melania Trump, answer NORAD calls from children on Dec. 24, 2025.

Trump Warns Against Infiltration by a 'Bad Santa,' Defends Coal in Jovial Christmas Calls With Kids

The president and first lady Melania Trump participated in the tradition of talking to youngsters dialing into the North...

U.S. CENTRAL COMMAND AREA OF RESPONSIBILITY (Dec. 20, 2025) M142 High Mobility Artillery Rocket System (HIMARS) launchers fire missiles in in the U.S. Central Command area of responsibility in support of Operation Hawkeye Strike, Dec. 20, 2025. (U.S. Army video by Task Force Lightning – 3-116th FAR)

Operation Hawkeye: US Attack on ISIS in Syria Leaves Open Questions

The United States' latest coordinated strikes against ISIS targets comes as Washington signals sustained pressure on the...

Space Force News

President Donald Trump holds top a signed executive order as Defense Secretary Pete Hegseth watches in the Oval Office of the White House, Friday, Sept. 5, 2025, in Washington. (AP Photo/Alex Brandon)

How Trump’s 2025 'War' Agenda Rewired the Pentagon

Trump’s 2025 executive actions reshape how the current administration defines national security.

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

U.S. Marines with 2nd Air Naval Gunfire Liaison Company, II Marine Expeditionary Force Information Group, hold out hand signals prior to conducting special patrol insertion and extraction training on Marine Corps Base Camp Lejeune, North Carolina, Dec. 18, 2025. (U.S. Marine Corps photo by Lance Cpl. John Allen)

How the US Marine Corps Reinvented Itself in 2025

The U.S. Marine Corps overhauled training and technology through emerging programs like Project Dynamis, preparing current...

Rob Reiner’s career spans more than five decades as a defining force in American film and television, from his early acting days to directing and producing some of the most enduring movies in modern Hollywood (CBS).

Rob Reiner’s Cultural Impact: The Movies and Quotes That Shaped America

Rob Reiner’s tragic death has left an unmistakable void in Hollywood. Across five decades, his work—from All in the Family to...

Coast Guard News