Saving and Investing “Need to Knows” for Military Families
Illustrated characteristics of saving versus investing. Credit: Kristen Jowers.
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personal finance
investment planning


How to Cite

O’Neill, Barbara, Martie Gillen, and Kristen Jowers. 2024. “Saving and Investing ‘Need to Knows’ for Military Families: FCS3391/FY1533, 1/2024”. EDIS 2024 (1). Gainesville, FL.


This publication is intended for family service providers, Extension agents and specialists, educators, and other professionals in the Military Family Readiness System. It discusses general and military-specific information about saving and investing money. Written by Barbara O’Neill, Martie Gillen, and Kristen Jowers, and published by the UF/IFAS Department of Family, Youth and Community Sciences, January 2024.
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Extension Foundation. (2023). Investing for Your Future.

GovInfo. (n.d.). Heroes Earned Retirement Opportunities Act.

IRS. (2023). Armed Forces’ Tax Guide.

IRS. (2022). Tax Exclusion for Combat Service.

OneOp. (2022). Thrift Savings Plan Updates for 2022.

Thrift Savings Plan. (n.d.-a). Expenses and Fees.

Thrift Savings Plan. (n.d.-b). Lifecycle Funds.

Thrift Savings Plan. (n.d.-c). Mutual Fund Window.

Thrift Savings Plan. (n.d.-d). TSP Investment Options.

U.S. Army. (2023). Special Pay.

U.S. Securities and Exchange Commission. (2023). Saving and Investing for Military Personnel.

Copyright (c) 2024 UF/IFAS