Ryan Guina

Ryan Guina is a military veteran, writer and small business owner. He currently serves in the Air National Guard.

Ryan served on active duty in the US Air Force for six and a half years and completed five deployments. He worked as a civilian contractor on US Air Force logistics systems for several years after leaving active duty. He joined the Air National Guard after being out of the military for over eight years.

During his transition from active duty, he started two websites, TheMilitaryWallet.com and CashMoneyLife.com. He continues to operate these websites to help people take advantage of their military benefits and to make better financial decisions.

Ryan's writing has been featured in Military.com, Forbes.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine, USAA, and many other publications.

Latest Articles

compass with the needle pointing towards word "insurance"

Is Your Family Protected from a Loss of Income?

What exactly are life insurance and disability insurance?

Year-End Tax Moves: 6 Ways to Save on Taxes Before Dec. 31

Take advantage of tax savings while you can.

Tips for Preparing Your 2020 Taxes

TIme to start getting all your paperwork ready for the annual task. Here's what you'll need.

Stylized words reading Individual Retirement Account

How Military Members Can Max Out Their IRAs Each Year

A bit of planning can make it easy to save the maximum amount allowed by law

Mortgage Rates Are Still Near Record Lows. Is Now a Good Time to Refinance?

There are many things to consider when refinancing your home.

Computer keyboard with "insurance" written on a key

Shopping for Insurance Quotes Could Save You Hundreds of Dollars Annually

It's a good idea to review all of your policies every year.

Cash Flow Problems? The IRS Just Changed Retirement Account Distribution -- Again

Thanks to the change, more people are eligible to take early withdrawals and loans from their retirement accounts -- if they...

4 Ways to Find More Money to Save for Retirement

How can you fund retirement while meeting your daily need for cash?

Trying to Time the Stock Market Is a Bad Idea. Here Is a Better Way to Invest

Even "experts" have problems trying to time the market.

Command Master Chief Brian McDonough (left) promotes Culinary Specialist 2nd Class Matthew Ndambuki to petty officer first class during a meritorious advancement program (MAP) promotion ceremony at U.S. Naval Forces Central Command (NAVCENT), July 12, 2018. (U.S. Navy photo/Bryan Neal Blair)

Will the COVID-19 Emergency Impact Your Promotion and Career Opportunities?

COVID-19 could have another trick up its sleeve. It may impact your career in ways that are only now coming to light.

Michigan Army National Guard soldiers distribute over 20,000 pounds of food in west Michigan.

Guard and Reserve Members Face Dual Struggles Due to Coronavirus Response

Activated members need better access to benefits, while others can't rack up necessary training requirements.

Some Veterans May Need to Take This Extra Step to Get Their Stimulus Check

Make sure your economic stimulus check isn't delayed.

6 Financial Takeaways from the Coronavirus Outbreak

You may have emergency supplies on hand, but what about emergency money?

Why Aren't There Military Retiree Pay Scales?

Have you ever wondered why there are no pay charts for military retirees?

Didn't Retire from Active Duty? You Can Still Use Your Service Toward a Pension

The good news is that your active duty military service puts you in a better position to earn a pension, even if you count...

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Most Popular Military News

U.S. Army Forces Command’s Command Sgt. Maj. Michael A. Grinston applies camouflage face paint at Fort Campbell, Kentucky.

Michael Grinston's Quiet War to Help Make the Army More Lethal, Wokeness Hysterics Be Damned

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News conference after Senate passed bill to help vets exposed to toxic substances.

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Military Faces National Guard Refusals and Legal Blockade over Disobeying COVID-19 Vaccine Order

While many Guardsmen have outright refused to get vaccinated, some service members have put off getting inoculated while...

Latest Military Videos

Master Class: Fistful of Dollars: Financial Literacy for the Transitioning Veteran

Did you know transition finances can be gamed with a little knowledge and foresight?

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Investigations and Features

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At least five service members allegedly were part of the deadly pro-Trump mob that assaulted the U.S. Capitol on Jan. 6.

House of Prayer Church in Hinesville, Georgia.

How a Church Allegedly Scammed Millions in VA Money from Vets

The FBI raided five church facilities -- all right outside major military installations -- in June.

Army News

Pro Publica sexual assault investigation

Twice Accused of Sexual Assault, He Was Let Go by Army Commanders. He Attacked Again.

Christian Alvarado began to type as he sat alone in an interrogation room at Fort Bliss, a sprawling Army post in El Paso...

The sun rises at the Vanessa Guillén gate before the arrival of a congressional delegation at Fort Hood, Texas.

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Navy News

Machinist’s Mate (Nuclear) 2nd Class Joseph Morrissey, assigned to Pearl Harbor Naval Shipyard, fills jugs at a water distribution center servicing Joint Base Pearl Harbor-Hickam residents.

Navy: No PFAS 'Forever Chemicals' Detected in Red Hill Water

The foam suppression system at the bulk fuel storage system had never been activated, preventing contamination from dangerous...

The bow of U.S. Coast Guard Cutter Polar Star as it breaks ice in Antarctica.

Why the Military Has an Office Dedicated to Tracking the World’s Biggest Blocks of Ice

The National Ice Center is the only entity that monitors ice movement and formation across the globe.

Air Force News

Sexual assault response advocates wave to drivers during the “Stand Against Sexual Assault” drive-by campaign at Joint Base San Antonio-Randolph, Texas.

Air Force Launches Program to Help Sexual Assault, Harassment Survivors at 7 Bases

The Air Force is launching a new pilot program that will put resources for survivors of domestic abuse, stalking, cyber...

Test facility craftsman Jack Culpepper adjusts a model of the F-15 Eagle before it undergoes aerodynamic testing in the mid-1970s in the 4-foot transonic wind tunnel at Arnold Air Force Base, Tennessee, headquarters of Arnold Engineering Development Complex. The Air Force recently celebrated the 50th anniversary of the F-15’s deployment. Models of the aircraft, engines and other F-15 components have frequently been tested by AEDC over the past 50 years. (U.S. Air Force)

5 Amazing Stories About the F-15 in Action to Celebrate Its 50th Birthday

In the late 1960s, the Air Force was looking for a new air superiority fighter. The result was the F-15 Eagle.

Space Force News

Members of Space Launch Delta 30 pace one another during the monthly Delta Dash on Nov. 5, 2021, at Vandenberg Space Force Base, California.

Space Force's Wearable Fitness Tech Plan May Have Punitive Consequences After All

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Marine Corps News

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Lance Cpl. Dylan Merola honored at Disneyland

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Space Mountain was Lance Cpl. Dylan Merola’s favorite ride. Disneyland was his happy place.

Coast Guard News

Coast Guard rescue crews safely transfer people from a grounded vessel to U.S. Coast Guard ships.

Coast Guard: 2 Dead, 5 Missing After Migrant Boat Capsizes

The Coast Guard described the boat as a “rustic vessel” that was making an illegal voyage with 15 migrant passengers.