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

6 Financial Takeaways from the Coronavirus Outbreak

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

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

Make sure your economic stimulus check isn't delayed.

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.

Elizabeth Ross checks her kennel at the Military Working Dog Center at Joint Base San Antonio-Lackland, Texas, Sept. 25, 2020.

Veterans Who Join the Civil Service Are Eligible for Valuable Service Credits

Each year of military service you buy back as a military service credit counts as a year toward your pension.

Navy veteran Joseph Dyer is a forensic investigator with the Department of Homeland Security. (Photo courtesy of DHS)

5 Benefits of Serving in the Civil Service After Your Military Career

Your military service can give you great benefits as a federal employee.

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?

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.

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Most Popular Military News

An F/A-18E Super Hornet, attached to Strike Fighter Squadron (VFA) 27, lands on the flight deck of Nimitz-class aircraft carrier USS George Washington (CVN 73) while underway in the Indian Ocean.

Navy Calls Off Search for Sailor Who Went Overboard During Exercise Near Australia

The sailor, assigned to the USS George Washington, was reported missing on Monday afternoon local time, and the Navy...

Secretary of the Army Dan Driscoll and Army Chief of Staff Gen. Randy George meet with Minister of Defence Industry and Capability for Delivery of Australia, Pay Conroy, and Chief of the Australian Army, Lt. Gen. Simon Stuart, at Mount Bundey, Australia, for a Precision Strike Missile (PrSM) live-fire exercise during Talisman Sabre.

Army Puts Political Operative in Charge of Public Affairs, Stoking Concerns of Creeping Partisanship

While it's not unusual for political hands to manage messaging at the highest levels of the Pentagon, the ongoing change to...

Ukrainian soldiers carry the coffins of 12 Ukrainian servicemen and prisoners of war who died while being held captive in Russia, during a funeral ceremony in Lviv, Ukraine, on July 25, 2025, amid the Russian invasion of Ukraine.

Texas Man Who Fled to Russia to Escape ‘Woke’ America Sent to Front Line of War, Wife Says

Derek Huffman, his wife, DeAnna, and their three daughters, ages 10 to 12, moved to a small town outside Moscow earlier this...

NTSB Finds Army Black Hawk in Fatal Midair Crash with Plane Was Above Altitude Limit

Investigators have found that a helicopter involved in a deadly crash with a passenger plane over Washington was flying above...

President Donald J. Trump is greeted by Col. Travis Crawmer (center), 132d Wing commander, and Chief Master Sgt. Jason Lehmann (left), 132d Wing command chief, during an official visit to Iowa, July 3, 2025, at the 132d Wing in Des Moines, Iowa.

Trump Is Vetting Top General Nominees. It Could Be Seen as a Loyalty Test.

President Donald Trump is now meeting with four-star general nominees personally, a notable departure from past practices...

Col. Bree Fram salutes a flag at her promotion ceremony from lieutenant colonel that took place in December 2023 at the World War II Memorial in Washington, D.C.

'Open Cruelty': Transgender Troops Describe Indignities as They're Kicked Out of the Military

Leaders in the Trump administration have minced few words in articulating how they feel about transgender troops.

Latest Military Videos

Iron Sharpens Iron: How to Find the Career Mentor You Need on the Job Hunt

On your job hunt, you are not looking for a handout. You don’t expect it to be easy. You...

Roman Era Mosaic Panel With Erotic Theme That Was Stolen During World War II Returns to Pompeii

A mosaic panel on travertine slabs, depicting an erotic theme from the Roman era, was returned to the archaeological...

Israeli Airstrikes Hit Syrian Defense Ministry Headquarters in Heart of Damascus

The Israeli military launched airstrikes in the heart of Damascus on Wednesday, hitting the Syrian Defense Ministry headquarters as...

Young Recruits Prepare for Battle While Ukraine Awaits Aid Announced by Trump

Instructors trained groups of recruits in Ukraine's Kyiv region on Wednesday, as the country awaits promised U.S. military aid...

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

Army Secretary Directs West Point to Rescind Appointment of Biden-Era Cybersecurity Director

The directive, shared on the social platform X by Secretary Dan Driscoll, came just a day after Jen Easterly was announced as...

Army Puts Political Operative in Charge of Public Affairs, Stoking Concerns of Creeping Partisanship

While it's not unusual for political hands to manage messaging at the highest levels of the Pentagon, the ongoing change to...

Navy News

Army Puts Political Operative in Charge of Public Affairs, Stoking Concerns of Creeping Partisanship

While it's not unusual for political hands to manage messaging at the highest levels of the Pentagon, the ongoing change to...

Navy Calls Off Search for Sailor Who Went Overboard During Exercise Near Australia

The sailor, assigned to the USS George Washington, was reported missing on Monday afternoon local time, and the Navy...

Air Force News

Chief Master Sergeant of the Air Force David Flosi speaks with airmen assigned to the 380th Air Expeditionary Wing during a visit at an undisclosed location within the U.S. Central Command area of responsibility.

Air Force Rebrands Facebook Page to Combat Rumors, Leaked Memos and Reddit Threads

A long-standing Air Force Facebook page created to represent its top enlisted leader has been renamed and rebranded as a news...

Army Puts Political Operative in Charge of Public Affairs, Stoking Concerns of Creeping Partisanship

While it's not unusual for political hands to manage messaging at the highest levels of the Pentagon, the ongoing change to...

Space Force News

U.S. Rep. Dale Strong (R-Alabama) speaks to the Huntsville-Madison County Chamber.

Alabama Congressman ‘100% Sure’ US Space Command Coming to Huntsville

U.S. Rep. Dale Strong (R-Alabama) said he has been assured by President Donald Trump that U.S. Space Command is coming to...

U.S. Space Force Brig. Gen. Brian Denaro, newly appointed U.S. Space Forces Indo-Pacific commander, gives a speech

First Leader of Space Force Pacific Command Ends Tenure

The first leader of the U.S. Space Force’s Pacific command officially ended his tenure in Hawaii in a change of command...

Marine Corps News

A folded American flag, flown aboard the amphibious assault ship USS Boxer

Marine Sergeant Dies After Collapsing During Fitness Test in Florida

A Marine sergeant on reserve duty died after he collapsed during a physical fitness test in Florida last month, according to...

Wife of Marine Corps Veteran Released from ICE Custody After Advocacy from GOP Senator's Office

Until this week, Mexican national Paola Clouatre had been one of tens of thousands of people in ICE custody as the Trump...

Coast Guard News

Miami-Dade Fire Rescue and others in boats around what appears to be a barge involved in an accident

Coast Guard Begins Salvage Operation and Investigates Cause of Boat Collision that Killed Two Girls

The U.S. Coast Guard said it was beginning a salvage operation while investigating the cause of a boat collision near Miami...

A retired naval support vessel in Bohicket Creek, South Carolina, is shown, with a small boat along its starboard side in 2023.

Navy Torpedo Boat Abandoned in South Carolina Waters. Now the Owner Has Been Arrested

These days, the only threat posed by a 120-foot-long Navy torpedo vessel is to the marsh outside of Charleston, S.C., where...

Ryan Guina

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