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

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...

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?

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...

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...

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...

A lot of printed bills, presumably representing debts, along with credit cards appear on a table top with a man's torso in the frame, arms shuffling papers.

Here’s a Tool to Easily Calculate Your Debt Repayment Strategy

PowerPay lets you enter your debt information and how much money you have to put toward debt repayment each month, then helps...

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Most Popular Military News

Command Sgt. Maj. John Brown, senior enlisted advisor of the 38th Air Defense Artillery Brigade, provides a rousing speech to the Soldiers of Bravo Battery before departing on a deployment to the United States Central Command area of responsibility on August 19, 2024 at Kadena Air Force Base, Japan. (U.S. Army photos by Capt. Frank Spatt)

Which Americans Will Be Automatically Registered for Military Draft, and When?

Last year's defense bill passed by Congress paved the way for the new automatic registration process.

A VA Clinic Gave Veterans GLP-1s for Weight Loss. A Year Later, Everything Improved

Researchers tracked 201 veterans prescribed semaglutide, the drug sold under the brand names Ozempic and Wegovy. After one...

Marine Corps veteran Al Duran. (Facebook)

WWII Veteran Who Lied About His Age to Serve Takes Honor Flight

Joining the military at 16 to serve in World War II to service in Korea and Vietnam, humble Al Duran has lived quite a life.

A federal class-action lawsuit accuses a company, Trajector, of taking advantage of disabled veterans and their spouses. (Adobe)

Disabled Veterans Charged Up to $20K to File VA Benefits Claims: Lawsuit

The company being sued told Military.com it doesn't charge for VA claims. Plaintiffs disagree, citing purported deceptive...

3 Big PCS Changes Are Coming at Once. Here’s What Service Members Need to Know Before Peak Season.

In 2026, three major changes are affecting military household goods moves: a new permanent agency to run the system, the end...

Latest Military Videos

Top US General Likens Hormuz Blockade to Supermarket Parking Lot

Top US general likens Hormuz blockade to supermarket parking lot and confirms no ships boarded yet.

Hegseth Blasts ‘Unpatriotic’ Press, Compares Reporters to Biblical Pharisees

Hegseth blasts ‘unpatriotic’ press, compares reporters to biblical Pharisees.

Ukrainian Farming Tycoon Helps Turn Volunteer Unit into Fighting Corps

Ukrainian farming tycoon helps turn tiny volunteer unit into fearsome fighting corps.

Divers Recover Artemis II Astronauts After Splashdown

New video of divers recovering Artemis II astronauts after splashdown.

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

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House Approves Aviation Safety Bill Based on Deadly Midair Collision near Washington

An aviation safety bill seeking to address lessons learned from last year’s midair collision of a jet with an Army helicopter...

Navy News

U.S. Central Command (CENTCOM) forces began setting conditions for clearing mines in the Strait of Hormuz, April 11, as two U.S. Navy guided-missile destroyers conducted operations. (U.S. Central Command Photo)

‘Turn Around or Be Boarded’: US Blockade Forces Ships Back

U.S. warships are forcing vessels to reverse course without firing a shot, as officials warn the standoff could quickly...

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Air Force News

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The Greater Philadelphia Chapter of the Tuskegee Airmen board member James Thompson honors the legacy of the Tuskegee Airmen in Philadelphia, Penn., on March 28. (The Greater Philadelphia Chapter of the Tuskegee Airmen)

'Not Just a Moment in History': Tuskegee Airmen Honored in Philadelphia

“It’s something that we need to make sure the rest of the world knows about,” a Tuskegee Airmen supporter told Military.com...

Space Force News

Robbie Robertson, Sedaro CEO and co-founder, presents a live demo to USSF leadership Thursday, Dec. 11, 2025, at Spacepower Conference in Orlando, FL. (Photo courtesy of SFA)

National Spacepower Center: Advancing US and Allied Spacepower

The Space Force Association launched the National Spacepower Center in Dec. 2025 to connect government, academia and industry...

This year's USO 2026 "Service Members of the Year." (USO)

'Exceptional Courage': USO Announces its 2026 Service Members of the Year

This year's crop of USO honorees saved motorcycle crash victims, rescued bodies underwater, saved civilians from a building...

Marine Corps News

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The 2026 International Sniper Competition ends with an Awards Ceremony April 10, 2026 in McGinnis-Wickam Hall on Fort Benning, Georgia. Staff. Sgt. Tyler Johnson and Sgt. Spencer Harrell, representing the United States Marine Corps, won the championship trophy. (U.S. Army photo by Daniel Marble)

Marine Corps Team Takes Army's Top Sniper Title for First Time Since 2009

Staff Sgt. Tyler Johnson and Sgt. Spencer Harrell won the International Sniper Competition at Fort Benning, only the second...

Coast Guard News

A USCGC Seneca (WMEC 906) crew member wraps bails of illicit narcotics during a drug offload at Port Everglades in Fort Lauderdale, Florida, Feb.13, 2026. (U.S. Coast Guard photo by Petty Officer 3rd Class Moriah Cannion)

Coast Guard Seized Enough Cocaine in Eastern Pacific to Kill 1.4M Americans

The Coast Guard has seized more than 215,000 pounds of cocaine since August 2025 as part of Operation Pacific Viper.

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Kate Horrell

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