Militarily Speaking

Welcome to Season 2 Episode 1 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery In this episode of the Militarily Speaking podcast, we sit down with Lacey Langford, host of the MILMO Show and MilMoneyCon, as well as an Air Force veteran, military spouse, and accredited financial counselor. Together we explore the unique financial challenges military families face. From the importance of financial literacy to practical tips for better money management, this conversation offers valuable insights for military members and civilians alike. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Military Family Budgets: Stop Making These Money Mistakes! With Lacey Langford of MILMO Show Lacey highlights the importance of early financial education for the military community, especially for young service members just starting their careers. She explains how resources for veterans and military families must be delivered in engaging, modern formats to truly make an impact. One critical topic she raises is the rise of “buy now, pay later” programs, which she warns can mimic payday loan traps. Her mission is to ensure veterans and military spouses are prepared with the knowledge and tools to make smart financial choices that protect their futures. MilMoneyCon: A Hub for Helping Veterans and Military Families Lacey dives into the creation of MilMoneyCon, an annual conference she founded to bring together financial professionals with military ties. The event creates opportunities for mentorship, career development, and networking—particularly supporting military spouses and veterans transitioning to civilian life. She underscores how important community and career resources are in empowering veterans and their families to achieve financial independence. Memorable MILMO Podcast Episodes Reflecting on her own podcast, the MILMO Show, Lacey recalls impactful conversations, from her grandmother’s stories of wartime financial hardships to practical discussions on building wealth by reducing waste. These episodes serve as reminders of the lasting influence of financial literacy for military families. Air Force Military Spouse Personal Journey Lacey shares her personal journey, from joining the Air Force to her life as a military spouse navigating frequent relocations and career challenges. Her story resonates with countless veterans and military families transitioning into civilian life, showing both the struggles and opportunities within the military financial ecosystem. Supporting Veterans and Military Spouses As the episode concludes, Tom and Jodi ask how listeners can support the veteran and military spouse community. Lacey encourages volunteerism, donations to aid societies, and spreading accurate financial resources for veterans. You can support the MILMO Show by listening wherever you get your podcasts, or the MilMoneyCon by visiting https://milmoneycon.com/ to learn more. Military MinuteThe Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months. ·      Last episode’s Military Minute: What year was West Point established? What is the motto for West Point? And which two U.S. Presidents went to West Point?·      Answer: Founded in 1802. Motto is “Duty, Honor, Country”. Ulysses S Grant and Dwight D Eisenhower.·      This week’s Military Minute question(s): What is the name of the podcast with the most episodes published and how many episodes are there?·      Watch for this weeks’ Military Minute post on the Militarily Speaking Facebook page.·      Answer with the correct answer and you plus a charity of your choice can each win $50.·      After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Ross Dickman, CEO of the leading veteran and military spouse employment organization, to discuss leadership development, communication challenges, and the unique obstacles military families face when transitioning to civilian life. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 86 – The Best Resource Veterans & Military Spouses Need to Land Their Dream Job: Hire Heroes USARoss Dickman, a former Apache Helicopter Pilot with the U.S. Army, shares his transition from military service to civilian leadership – an experience shaped by mentors, education, and executive coaching principles. With degrees from West Point, Columbia University, and the University of Georgia, Ross applies his leadership training to guide Hire Heroes USA’s mission. He emphasizes the organization’s focus on tailored support for veterans and military spouses, using one-on-one coaching to ensure career placements are meaningful and sustainable—an approach rooted in leadership training courses that translate military experience into professional success. Overcoming Problems Transitioning to Civilian Life from the MilitaryRoss underscores that no two transitions from military to civilian life are the same, making personalized coaching essential. Hire Heroes USA’s transition specialists act as career and life coaches, helping clients translate military skills into competencies civilian employers value. The discussion also highlights communication problems that arise when veterans attempt to explain their military background to civilian employers. Through targeted coaching, veterans and spouses learn how to articulate their value, bridging the language gap and boosting employment opportunities. Support for Military SpousesMilitary spouses often face unique career challenges—frequent relocations, job interruptions, and the need to reinvent themselves. Hire Heroes USA addresses this by fostering a supportive company culture where military spouses receive specialized career services. These programs provide professional development resources, interview preparation, and leadership development opportunities, empowering spouses to pursue stable, fulfilling careers despite geographic changes. Impactful Partnerships with CompaniesThe conversation explores how partnerships with organizations like Walmart Foundation, Boeing, and LinkedIn expand Hire Heroes USA’s reach. These collaborations provide job opportunities, networking connections, and professional development resources for veterans. Ross stresses that volunteers—both veterans and civilian professionals—play a vital role by offering mentorship, mock interviews, and career guidance, helping job seekers strengthen their leadership and communication skills. Virtual Career Fairs: Modern Solutions for Career GrowthAs the workforce evolves, Hire Heroes USA has embraced technology to connect veterans and employers through quarterly virtual career fairs. These events provide continuous professional development opportunities, eliminating geographic barriers and making it easier for veterans to engage with potential employers from anywhere in the country. Leadership Lessons That Shaped Hire Heroes USARoss shares how his leadership style was influenced by former COO Nate Smith, emphasizing the importance of leading by example and maintaining transparency in communication. These leadership development lessons have shaped Hire Heroes USA’s company culture and guide how the organization empowers others to grow in their careers. How to Support Hire Heroes USA’s MissionTom and Jodi highlight multiple ways individuals and companies can support Hire Heroes USA – through donations, volunteering, or creating employment opportunities. Ross encourages listeners to visit the Hire Heroes USA website to explore ongoing programs, professional development initiatives, and ways to get involved. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: In what year was Military Appreciation Month made official, and which US Senator championed that formal designation?●     Answer: John McCain in 1999●     This week’s Military Minute question(s): What year was West Point established? What is the motto for West Point? And which two U.S. Presidents went to West Point?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Lynn Rolfe, the Programs Director at Veterans of Foreign Wars (VFW). Lynn shares the organization's mission of advocating for veterans' rights, supporting their communities, and maintaining national security. The episode delves into the VFW's role in creating educational opportunities for high school students, tackling legislative advocacy in Washington, D.C., combating financial distress among veterans, and the significance of community involvement. “Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 85 – Veterans Are Getting Cheated But The VFW Is Fighting Back Founded in 1899, the Veterans of Foreign Wars (VFW) has become one of the most influential veteran service organizations in the U.S., dedicated to securing veterans' rights and benefits. Originally created to assist veterans returning from overseas conflicts, its mission has expanded to cover mental health support, legislative advocacy, and resources for military families.Lynn Rolfe’s Military Journey and AdvocacyLynn shares his inspiring path from military service to becoming a third-generation VFW member and national advocate. His personal experiences highlight the challenges of transitioning out of the military and the importance of community support during that time. He also underscores the VFW's commitment to veteran mental health, including efforts to prevent PTSD-related issues and veteran suicide. VFW’s Legislative Efforts & Veteran BenefitsLynn details the VFW’s tireless work in Washington, D.C., advocating for key legislation like the Major Richard Star Act, which seeks to eliminate the offset between military retirement pay and VA disability compensation. This episode also shines a light on the fight against predatory legal practices targeting veterans filing toxic exposure claims—a critical part of ensuring our heroes receive the benefits they’ve earned. Community Support & Military Financial ReadinessBeyond policy, the VFW helps veterans facing financial hardship—offering aid through local posts, financial counseling, and connections to trustworthy services to help veterans claim their benefits. These resources empower veterans to achieve financial stability after service. Innovation Meets ConnectionThe VFW is also adapting to modern times with creative engagement strategies, including online gaming communities that offer digital camaraderie and support. These efforts address mental health for veterans while building new connections beyond traditional post halls. Legacy, Leadership, and Looking AheadAs a third-generation veteran advocate, Lynn reflects on the legacy of military service in his family and how the VFW continues to evolve to meet veterans’ needs. From local outreach to national influence, his story demonstrates how the VFW helps veterans transition successfully into civilian life while preserving the honor of their service. For more information or to get involved, visit www.vfw.orgMilitary MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: What breed of dog worked as scouts and messengers during a US Pacific operation in World War II?●     Answer: Dobermann Pinscher●     This week’s Military Minute question: In what year was Military Appreciation Month made official, and which US Senator championed that formal designation?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi spotlight the life-saving work of K9s for Warriors—the nation’s largest provider of trained service dogs for military veterans. Guests Chris Luna and Wyatt Haynes join to share how the organization pairs veterans coping with PTSD, trauma, and transition with rescue dogs, offering a powerful path to healing, hope, and purpose. The conversation delves into the array of services Vets2Industry provides, including Tune in to discover how Vets to Industry is making a significant impact on the veteran community.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 84 – Healing at Both Ends of the Leash with K9s for WarriorsFounded in 2011 by Sherry Duval after witnessing her son’s struggle with post-traumatic stress disorder following deployment in Iraq, K9s for Warriors has grown from a garage-based operation to four state-of-the-art campuses nationwide. Their mission: end veteran suicide by saving two lives – veteran and rescue dog – at both ends of the leash. Since inception, they've matched over 1,100 veterans with service dogs, and saved more than 2,000 shelter dogs.Veteran Stories of TransformationNavy veteran Chris Luna shares his personal story of transformation through K9s for Warriors. After battling isolation and turning to alcohol to cope, Chris found new life and purpose through his service dog, Astro. He talks about his “wind therapy” motorcycle group of combat veterans, the comprehensive training and pairing process, and the long-term support that helped him recover emotionally, mentally, and physically.Many veterans, like Chris, face not only emotional wounds but also financial uncertainty during transition. That’s why Armed Forces Bank offers dedicated tools for veterans and military families, including military checking and savings accounts, Access Loans for emergency expenses, and VA home loans to help veterans build stability.Training That Saves LivesWyatt Haynes, Chief Business Officer, provides insight into the training process – describing how each dog is uniquely prepared to meet a veteran’s physical and psychological needs. Dogs that don't meet service standards are often repurposed to assist first responders, further demonstrating the organization's impact beyond the veteran community.With a two-year waitlist, the need for trained service dogs continues to grow. Wyatt calls on corporate sponsors, donors, and individuals to join the mission. Their efforts would not be possible without generous partners who understand the importance of supporting veterans through holistic services.Military Career Advice and Financial WisdomIn a powerful closing message, Chris shares advice for young service members and veterans navigating transition:“Use the military as a stepping stone. Invest in your future—whether through education, skill-building, or your Thrift Savings Plan (TSP). Take full advantage of what’s available, because retirement and stability aren’t just dreams—they’re possible if you start early.”This reminder speaks directly to the importance of long-term financial planning. Through tools like the TSP, retirement savings accounts, and guided support from banks that understand the military lifestyle, veterans can set themselves up for a strong future. Armed Forces Bank is proud to assist with military retirement education and financial readiness resources tailored to those who serve.How You Can Help K9s For WarriorsSupporters can get involved by:·      Donating to K9s for Warriors·      Shopping their official swag store·      Volunteering as dog fosterersEvery action contributes to reducing veteran suicide and giving purpose to those who have served.K9s for Warriors exemplifies the healing that comes through connection, compassion, and unwavering support. Their work—and the veterans like Chris who bravely share their stories—reminds us that healing is possible when we invest in both people and partnerships.For more information or to support the mission, visit https://k9sforwarriors.org/Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: In what year was the month of the military child established and by whom?●     Answer: Caspar Weinberger in 1986●     This week’s Military Minute question: What breed of dog worked as scouts and messengers during a US Pacific operation in World War II?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi dive into the inspiring world of veteran support and transition resources with guest Carmen White, Chief Operating Officer of Vets2Industry. This nonprofit is dedicated to helping veterans, military spouses, and caregivers successfully transition into civilian life by providing mentorship programs, scholarship opportunities, and the innovative B2I She Boss program for military spouses and women veterans. Carmen also highlights the importance of networking and the upcoming Vets2Industry events and career-building opportunities. The conversation delves into the array of services Vets2Industry provides, including Tune in to discover how Vets to Industry is making a significant impact on the veteran community.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.Ep. 83 – Jobless. Confused. Alone. How Vets2Industry Gives Veterans Hope AgainCarmen brings a wealth of insight, drawing from her experience as a commissioned officer in the U.S. Air Force and her career in human resources and workforce development. Now serving as COO of Vets2Industry, she shares how the organization’s mission is to eliminate confusion for transitioning service members by offering free access to curated tools, networks, and support systems.Navigating Military Transition ChallengesThe group explores emotional and logistical challenges of leaving military service. From isolation to uncertainty, the conversation underscores the need for financial readiness, mentorship, and reliable resources when adjusting to civilian life.Innovative Programs and Mentoring VeteransCarmen introduces listeners to the wide range of Vets2Industry initiatives, including the Post mentoring program, which connects veterans and spouses with mentors across industries. She also announces new programs aimed at empowering military spouses, especially those exploring entrepreneurship and career pivots.Military spouses often face financial uncertainty due to frequent moves. That's why having access to flexible banking options—like joint checking accounts and online budgeting tools—can help support long-term financial stability.Empowering Military Members With ResourcesOne of Vets2Industry’s strengths is its commitment to thoroughly vetting the resources it shares. Carmen explains the work behind building a trustworthy, accessible database and previews an AI-powered chatbot designed to help veterans quickly find the information they need.Networking with Companies Hiring MilitaryCarmen shares exciting news about Vets2Industry’s upcoming virtual and in-person networking events, including a first-of-its-kind networking conference hosted at sea. These events are designed to connect veterans, recruiters, and support organizations in meaningful, life-changing ways.A Closing MessageAs the conversation wraps up, Carmen thanks the partners and donors—like Signal Health Group—who make this work possible. She encourages veterans, military spouses, and supporters to get involved, explore mentorships, attend events, and take advantage of the free resources available at https://vets2industry.org/Carmen White’s leadership and passion serve as a reminder that no veteran should transition alone. Through Vets2Industry and the support of mission-driven organizations, military families gain access to the tools, networks, and confidence they need to thrive beyond the uniform.Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: What are the three former names of Colorado State University?●     Answer: Colorado Agricultural College, Colorado State College of Agriculture and Mechanic Arts, and Colorado Agricultural and Mechanical College●     This week’s Military Minute question:  In what year was the month of the military child established and by whom?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Jason Stout, founder of Stoutreach. Jason shares his inspiring journey of overcoming personal loss through nature-based experiences and how he created a national wilderness program for grieving and at-risk teens. Learn about Stout's various initiatives that guide youth, military families, and adults toward resilience and personal growth. Discover the impact of the Tragedy Assistance Program for Survivors (TAPS), the benefits of outdoor education, and how Stoutreach is making transformational experiences accessible to more people.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 82 – Healing Through Nature: The Mission Behind StoutreachStoutreach was born from Jason Stout’s personal journey and extensive background in outdoor education. After facing personal tragedies early in life, Jason found solace and purpose in the natural world. His transformative winter leadership expedition became the catalyst for a national wilderness program that now serves youth, families, corporate groups, and military families navigating stress, trauma, and transitions.Healing Through the WildernessJason’s work is rooted in the belief that nature-based experiences can drive emotional healing and build long-term resilience. His programs go beyond outdoor recreation; they’re about fostering mental health and personal transformation. From helping teens build confidence to providing space for military spouses and veterans to process their journeys, Stoutreach emphasizes the healing power of the outdoors.For many military families and service members, engaging in programs like Stoutreach can be a valuable part of the transition to civilian life—a time when both emotional and financial stability are essential.Expanding Impact Amidst ChallengesAlthough Stoutreach is structured as an LLC, it operates with a mission-driven heart. Jason works tirelessly to make these life-changing experiences financially accessible—securing scholarships and even helping families use 529 college savings plans to cover program costs.A Vision for the FutureJason envisions a future where access to nature-based wellness becomes a normal part of health and education—especially within military communities, where resilience and mental health resources are so critical. As Stoutreach expands into more schools and communities, partnerships and funding will remain central to ensuring everyone can benefit from the outdoors, regardless of income or background.For active-duty military families, veterans, and even military children, the benefits of nature-based healing are deeply relevant—and with the support of the right community and financial tools, more people can gain access.A Personal Mission with a Broad ReachJason’s mission is both personal and universal. Through Stoutreach, he has built a supportive, nature-centered community that nurtures growth, resilience, and healing for individuals and families. His passion inspires others to seek renewal in the wilderness and reminds us that healing often begins with connection—to others, to the earth, and to ourselves.For those looking to support the work of Stoutreach or participate in a future program, visit their website: https://www.missionstoutreach.org/ Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: Which President’s son started the American Legion in 1919?●     Answer: Teddy Roosevelt●     This week’s Military Minute question: What are the three former names of Colorado State University?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Jeremy Eheart of the American Legion. They delve into Jeremy's journey from his time in the United States Marine Corps, his life-changing injury, to his dedicated service with the American Legion. Learn about the organization's impactful programs, including mental health initiatives like Be the One, veteran advocacy, and challenges faced by veterans such as homelessness and securing benefits. Jeremy also shares his personal story of finding purpose and camaraderie through the American Legion, along with his efforts to support veterans across the nation.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 81 – How the American Legion Transformed a Veteran’s LifeJeremy EHeart’s journey is one of service, sacrifice, and resilience. A proud Kansan, Jeremy enlisted in the United States Marine Corps shortly after the 9/11 attacks, answering the call to serve his country. In 2004, a life-changing combat injury left him with severe burns and launched a long and difficult recovery. With the unwavering support of his military family and loved ones, Jeremy persevered—ultimately finding new purpose through the American Legion, a pivotal force in veteran support and reintegration.A New Mission After Military ServiceReturning home to Hutchinson, Kansas, Jeremy was initially hesitant to join a veterans service organization. But at the urging of his wife, Kristy, he attended a local American Legion post meeting—and instantly felt a sense of belonging. That moment marked the beginning of his deep involvement in the Legion and renewed commitment to giving back to the military and veteran community.As veterans transition back to civilian life, organizations like the American Legion provide community and purpose, while veteran-focused banks like Armed Forces Bank offer tools to support financial wellness—such as military checking accounts, savings accounts, and personalized guidance for budgeting after service.The American Legion: Championing Veterans and Military FamiliesAs the largest Veteran Service Organization (VSO) in the country, the American Legion boasts approximately 1.6 million members dedicated to supporting those who have served. Their mission spans veteran advocacy, suicide prevention, support for military families, and honoring fallen heroes.Jeremy highlights the Legion’s “Be the One” initiative, a powerful movement aimed at preventing veteran suicide by encouraging open conversations and community support. The Legion also provides access to accredited service officers, who help veterans navigate VA benefits and services—completely free of charge.Whether navigating VA benefits or reestablishing financial independence, many veterans benefit from VA home loans—a powerful way to achieve homeownership with zero down payment options and competitive rates. Banks like Armed Forces Bank, an approved VA lender, work closely with service members and veterans to streamline this process.Veteran Advocacy and Continued ServiceToday, Jeremy continues to serve in a leadership role within the American Legion, using his voice to advocate for critical issues affecting the military and veteran population. He and fellow Legionnaires travel annually to Capitol Hill to push for policy changes around veteran homelessness, mental health resources, and improved benefits.Through his work, Jeremy has found renewed comradery, purpose, and healing—echoing the experiences of countless other veterans who have transitioned from active duty to civilian life with the support of organizations like the Legion.Just as the American Legion advocates for better resources and services, veterans also need financial institutions that understand the military lifestyle. Much like the assistance provided by trusted veteran service organizations, Armed Forces Bank has Access Loans that are designed with veterans in mind, to help cover unexpected expenses - whether it’s for relocation, vehicle repairs, or transitioning needs.How to Get Involved with American LegionFor active-duty service members, veterans, and military spouses considering involvement, Jeremy recommends visiting a local American Legion post to explore programs aligned with personal interests—from youth mentorship and Legion Baseball to mental health initiatives. Civilians are also encouraged to support the mission through volunteer work and donations—because patriotism extends beyond military service.With more than 12,000 American Legion posts nationwide, there are countless ways to connect with the military support network and make a difference.Celebrating 100 Years of American Legion BaseballIn a milestone year, American Legion Baseball marks its 100th anniversary. This long-standing program has shaped the lives of young athletes—including many future MLB players—by promoting teamwork, discipline, and community engagement through sports.Jeremy’s inspiring story demonstrates the lasting power of veteran support systems and the role of military-focused nonprofits in the healing and reintegration process. Through the American Legion, Jeremy has transformed personal adversity into purpose—empowering others and strengthening the veteran community.To learn more about how you can support or join the American Legion’s mission, visit legion.org. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: In what year was the first public mobile phone call?●     Answer: 1973●     This week’s Military Minute question: Which President’s son started the American Legion in 1919?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Rob Bergquist, co-founder and Executive Director of Cell Phones for Soldiers. Rob shares the inspiring journey of how he and his sister Brittany started the nonprofit organization at the ages of 12 and 13 to help military members stay connected with their families. Find out how they’re continuing to innovate and serve the military community through programs like Minutes that Matter, Helping Heroes Home, and future plans, including the launch of their Soldiers Mobile Program.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 80 – How a Teen's Piggy Bank Changed Soldier Communication ForeverIn today's interconnected world, access to communication is a fundamental necessity. Yet, for many of our service members and veterans, this basic need can sometimes be out of reach. This episode brings us an inspiring story of how two young siblings turned a moment of empathy into a transformative movement with their nonprofit organization, Cell Phones for Soldiers. The Mission to Help Soldiers Call Home In 2004, Rob Bergquist and his sister Brittany were just 12 and 13 years old when they felt moved by the plight of a soldier burdened with an $8,000 phone bill upon returning from Iraq. Motivated by a personal connection—two cousins actively serving overseas—the siblings decided to act. What began as a small fundraiser with a modest $21 collected from their classmates blossomed into a nationwide initiative. Encouraged by supportive parents and a local bank that believed in their mission, Rob and Brittany quickly garnered $8,000 to pay off the soldier's debt. Their swift success catapulted them into the national spotlight, forming the foundation of Cell Phones for Soldiers. Expanding to Help More Service Members Initially focused on providing calling cards to service members, Cell Phones for Soldiers has since grown exponentially. Through innovative methods like recycling used cell phones and electronics, the organization has funded over 450 million minutes of free talk time for deployed troops. As technology evolved, so did the nonprofit. With increased connectivity becoming available globally, the demand for calling cards diminished, prompting the Bergquists to adapt their services. In 2012, they expanded their mission by establishing the Helping Heroes Home program, offering emergency assistance grants to veterans in need. More recently, the launch of Cell Phones for Soldiers Mobile furthers their reach, providing free smartphones and a year of service to veterans. This initiative aims to connect 30,000 veterans over the next three years, helping them access vital resources and maintain ties with loved ones during their transition to civilian life. Partnerships and Future Goals of Cell Phones for Soldiers Rob emphasizes the importance of partnerships in the organization’s success. Collaborations with third parties like logistics specialists that help manage the influx of donated phones, help ensure maximum resource efficiency. Additionally, partnering with local organizations and service officer networks allows Cell Phones for Soldiers to target veterans effectively and connect them with the right resources. Looking to the future, Rob is excited about the potential of a Cell Phones for Soldiers mobile app. This app will enhance the service by providing veterans with access to essential local resources at the touch of a button. Rob envisions a robust community of veterans supporting each other, with phone bills potentially contributing to the sustainability of this growing network. Family-Driven Dedication A testament to its widespread success is the unwavering family involvement from day one. Both Brittany and Rob have been pivotal in navigating the nonprofit’s course, celebrating their achievements and learning from challenges. As Rob reflects on his father's recent passing, he finds deep motivation in honoring his dad through ongoing service, emphasizing that every connected veteran is a tribute to his father's legacy. Get Involved with Cell Phones for Soldiers Cell Phones for Soldiers relies on support from individuals and corporations alike. Whether it’s donating an old phone, becoming a drop-off location, or fostering corporate partnerships for device turnover, every contribution makes a significant impact. As Rob often advises aspiring non-profiters, the key to their enduring success lies in staying focused on the mission while being willing to innovate and adapt. Rob and his family continue to inspire with their commitment to bridging gaps in communication for those who serve. With over two decades of service, Cell Phones for Soldiers stands as a beacon of support for veterans seeking to stay connected with those who matter most. As technology advances, so too will the creative solutions and profound impact of this family-run organization, ensuring that no veteran is ever left without a lifeline. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute:o     Which musical group sings the song Step by Step?o     Which musical group sings the song Gimme Three Steps?o     Which musical artist sings the song 1, 2 Step?●     Answer: NSYNC, ZZ Top, and Ciara●     This week’s Military Minute question: In what year was the first public mobile phone call?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Tony Teravainen, CEO and co-founder of Support the Enlisted Project (STEP), to discuss the crucial work being done to assist young military families and transitioning veterans. Tony shares his extensive background and the journey of STEP since its inception in 2012, highlighting its mission to create financial wellness through counseling, education, and financial support.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 79 – Taking the First ‘STEP’ to Financial Independence Support the Enlisted Project (STEP) is a beacon of hope for military families across the United States. The organization was born out of the recognition that many existing services were merely helping military families survive rather than thrive. From its inception in 2012, STEP sought to fill this gap by focusing on financial wellness, using financial counseling as a tool to empower families to make their financial crises their last. Tony and his team emphasize behavioral change as the key to sustainable financial independence. Innovative Programs and Results At the heart of STEP's success is its robust Emergency Financial Assistance Program (EFA), which boasts a 90% effectiveness rate. This program goes beyond merely providing financial aid; it focuses on changing financial behaviors through intensive counseling, allowing families to turn their crises into pivotal moments of change. Each program is tailored specifically to the needs and histories of the families involved, ensuring personalized support that addresses unique challenges faced by military communities. Not only does STEP help families avoid evictions or maintain utilities, but it also restores hope and instills a sense of possibility for a better future. The focus is on teaching financial independence and resolving behavioral roadblocks to achieve healthier financial habits. Building a Supportive Community STEP's reach and effectiveness have been made possible by building a community of support from various. stakeholders. Through impressive partnerships with community organizations, corporations, and individual volunteers, STEP has been able to expand its programs and impact. Programs like the Back-to-School and holiday drives serve as entry points for community engagement, allowing STEP to connect with more military families and spread its message of empowerment and financial literacy The Impact of Leadership A defining feature of STEP's success is its dynamic leadership. Tony Teravainen shares insights into his strategic, process-oriented approach, intertwining it with his personal experiences as a child of a military family himself. His leadership style emphasizes facilitating his team's success, fostering a culture of respect and support that extends outward to the families STEP serves. This culture not only strengthens the organization internally but also builds trust externally, making families feel valued and supported. Future Plans and How to Help Looking ahead, STEP aims to expand nationally, scaling its services to address financial wellness challenges across the United States. Their Vision 2032 outlines this ambitious expansion, aiming to offer their unique services to more military communities, including those geographically isolated. Interested individuals and organizations can get involved in STEP's mission by visiting their website at teamstepusa.org. There, supporters can learn more about volunteer opportunities, donate, and help spread awareness of STEP's mission. Businesses and individuals alike are invited to explore ways to collaborate and lend their support to this impactful cause.  With a focus on behavioral change and financial education, STEP continues to lead the way in creating lasting solutions for families in financial crises. Through community involvement and strategic leadership, STEP is poised to make an even greater national impact, ensuring that military families receive the support they need to succeed and thrive long-term. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: What is the average number of troops deployed at any given time?●     Answer: 150,000●     This week’s Military Minute question: o     Which musical group sings the song Step by Step? o      Which musical group sings the song Gimme Three Steps? o      Which musical artist sings the song One, Two, Step?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi talk with Katy Saunders, Program Director at HeroBox. Together they delve into HeroBox's mission to provide personalized care packages to deployed service members, their Hero Day events, and how individuals and organizations can support deployed military members.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 78 – Supporting Deployed Service Members with HeroBoxIn a world where everyday challenges often obscure the sacrifices made by our service members, HeroBox emerges as a beacon of support and gratitude for those deployed overseas. HeroBox was founded with a mission to provide personalized care packages to deployed service members, bridging the gap between home and the frontlines. The initiative began when its founder noticed that a loved one, while deployed, needed a more tailored care package. Today, HeroBox has grown to support nearly a million deployed service members with the help of over 20,000 registered sponsors and countless Hero Day events. The Power of Personalization for Service Members A key element that sets HeroBox apart from other care package organizations is its emphasis on personalization. As described by Katy Saunders, donors can directly communicate with service members, ensuring that they receive items that cater to their specific needs and desires. Whether it's a request for gloves in cold regions or a servicemember’s favorite snacks, the personal touch can transform a care package from being merely a box of goods to a heartfelt reminder of home and support. Hero Day Events: Building Community Ties to Support the Troops Hero Day events are one of Katy's favorite aspects of her role, as they foster both community involvement and support for the troops. Corporations, businesses, and even classrooms can organize Hero Days to pack and send personalized care packages. The events act as team-building exercises while serving as meaningful contributors to HeroBox's mission. Spreading the Word and Growing the Impact Although HeroBox is relatively small, its impact is significant, thanks in part to word-of-mouth and community engagement. The team is dedicated to ensuring that every service member feels the appreciation and support of those at home. With plans to expand into supporting homeless veterans, HeroBox is poised to continue its mission of service and care. How You Can Help Deployed Military Members Katy shared that individuals and companies interested in supporting HeroBox can visit their user-friendly website (herobox.org) to get involved. Whether through financial donations or by organizing Hero Day events, every contribution helps extend their reach. The website provides various donation options, including sponsoring individual care packages or supplying essential items for multiple troops. HeroBox stands as a testament to the impact a small, dedicated organization can have on the lives of our military personnel. By offering personalized, thoughtful support and fostering community involvement, HeroBox not only empowers service members but also strengthens the very fabric of the communities that support them. As listeners and readers rally around this cause, HeroBox continues to fulfill its promise to those who serve selflessly and bravely. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute. ●     Last episode’s Military Minute: Jack was a student athlete at what university and in what sport did he participate?●     Answer: Marist University and Track and Field.●     This week’s Military Minute question: What is the average number of troops deployed at any given time?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi have a heartfelt conversation with Jack Oehm, a retired FDNY Battalion Commander and current board member of the Tunnel to Towers Foundation. This episode dives into Jack's contributions to the Tunnel to Towers Foundation, its mission, and the impactful work being done, such as building smart homes for injured veterans and supporting the families of fallen first responders and Gold Star Families.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 77 – The Astonishing Legacy of a 9/11 Firefighter and the Tunnel to Towers Foundation The episode kicks off with a discussion about the Tunnel to Towers Foundation's beginnings, closely tied to the events of September 11, 2001. Jack Oehm shares the harrowing yet inspiring story of firefighter Stephen Siller, who on that fateful day ran nearly two miles through the Brooklyn Battery Tunnel to the Twin Towers with 60 pounds of gear on his back. Though Stephen lost his life in his heroic efforts, his legacy lives on through Tunnel to Towers. The Foundation was established by his family to honor not only him but all the victims of 9/11 and the brave souls who came to their aid. Honoring Their Sacrifice Jack paints a vivid picture of the Foundation's evolution from its grassroots beginnings, reflecting on its commitment to supporting communities affected by 9/11 and subsequent tragedies. One significant turning point was the decision to build the first "smart home" for quadruple amputee and fellow Staten Islander, Brendan Marrocco. This initiative was the start of a larger program that has since provided more than 200 smart homes to severely injured veterans. Building Smart Homes and More The creation of smart homes is just one facet of the Foundation's impactful work. These homes are designed to adapt to the needs of their occupants, offering a level of independence that many lost in service to their country. In 2023 alone, the Foundation plans to build 60 more smart homes, demonstrating a commitment to expanding their support. Paying Off Mortgages for Fallen Heroes Jack also discusses other pivotal programs such as their efforts to pay off mortgages for families of fallen first responders and Gold Star families. This support extends a lifeline to those who have lost loved ones in the line of duty, ensuring they have one less burden to bear during their time of grief. Helping Tunnel to Towers Foundation Throughout the podcast, the hosts and Jack emphasize how listeners can contribute, whether through participating in various fundraising events like golf outings and 5K runs or by donating directly to the Foundation. One of the most accessible ways to support is their $11 a month donation initiative, which significantly aids in continuing the Foundation's vital work. Looking Forward: A Commitment to Never Forget As the conversation winds down, Jack highlights the Foundation's latest ambitious endeavor: a program aimed at eradicating homelessness among veterans. It's a testament to their evolving mission, ensuring no veteran is left without a roof over their head. For those who wish to engage further, visit t2t.org to explore opportunities and extend your support to the Tunnel to Towers Foundation and their mission. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: In what year did Excelsior College change to Excelsior University? And what does Excelsior mean in Latin?●     Answer: Excelsior College changed to Excelsior University in 2022, and Excelsior in Latin means ever upwards.●     This week’s Military Minute question: Jack was a student athlete at what university and in what sport did he participate?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Dr. David Schejbal, President of Excelsior University. This episode unpacks Excelsior's profound commitment to serving military students and the unique support systems they have in place. Whether you're a prospective student, a veteran, or simply interested in higher education, this post will provides an overview of what makes Excelsior University a standout institution.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 76 – Bridging the Gap for Military Students: A Look at Excelsior University's Commitment Jodi opens the conversation by highlighting Dr. Schejbal's journey and the vision he brings to Excelsior University. Founded in 1971, Excelsior University has always been at the forefront of serving adult and non-traditional students, with a significant focus on military personnel. Over 40% of their students come from military backgrounds, either active or veterans, making it clear why this institution is truly committed to playing a supportive role in their lives. A Tailored Approach to Military Education Dr. Schejbal shares the nuances that make Excelsior different, particularly when serving military students. Recognizing the dynamic and often unpredictable nature of military life, Excelsior offers robust online programs, allowing students the flexibility to study from anywhere in the world. Faculty members understand the unique circumstances of military deployments and adapt deadlines accordingly, providing the necessary support that aligns with students' lifestyles. The Military-Friendly Admissions Process Excelsior University's admissions process is designed to be seamless for military students. By transferring military credits and recognizing prior learning, Excelsior eases the path to achieving a degree. Dedicated advisors work closely with students to plan their educational journey effectively, accommodating their responsibilities, whether it involves balancing family, work, or both. Innovative Programs and Collaborations Excelsior is home to the prestigious National Cybersecurity Institute, an initiative started in 2019 aimed at educating and engaging with industry partners on ever-evolving cybersecurity challenges. It's an area of study that holds significant importance for many military and veteran students, providing them with practical skills that enhance their capabilities in both civilian and military environments. Community and Support Systems The conversation also highlights the excelling support structure at Excelsior, specifically the establishment of the Colonel Bryant A. Murray Veteran Center. This center is a testament to Excelsior's dedication to providing comprehensive support, from career counseling and job-related training to financial aid guidance and health and wellness resources. Partnerships and Philanthropy: Strengthening Connections Excelsior University's connections extend beyond academia, fostering partnerships with organizations across various sectors. Their Strategic Partnerships and Alliances unit ensures that both military bases and industry partners can collaborate effectively, benefiting students through scholarships, discounts, and access to necessary resources. Personal Stories and Testimonials This episode also explores personal anecdotes and testimonials from students who have walked the Excelsior path. The praises and gratitude expressed reinforce the university's commitment to flexibility and accommodation, which countless military families find invaluable as they navigate their educational pursuits. Looking Ahead As the episode wraps up, Dr. Schejbal candidly discusses his dynamic role and what it takes to keep Excelsior's mission thriving. He emphasizes the importance of staying adaptable and proactive in a rapidly changing educational landscape. Excelsior University's dedication to the military community remains steadfast, providing opportunities and support that honor their service and facilitate their educational success. Excelsior University continues to set a benchmark in making education accessible and accommodating for military students and veterans. Learn more by visiting Excelsior University and discover how you or someone you know might benefit from their programs and initiatives. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: According to the Rolling Stone Magazine, who is the best stand up comedian of all time?●     Answer: Richard Pryor●     This week’s Military Minute question: In what year did Excelsior College change to Excelsior University? And what does Excelsior mean in Latin?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Major Terrell Murdoch, Army Banking Officer at U.S. Army Financial Management Command. The episode delves into Major Murdoch's background, his path into the military, his significant deployments, and the invaluable insights gained from the Training with Industry (TWI) program. Additionally, Major Murdoch shares his motivation, personal goals, and advice for those considering a career in the military.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 75 – Exploring Careers in Military Banking with Major Terrell Murdock The episode kicks off with an engaging introduction to Major Murdock's professional journey. Born in New Orleans, Louisiana, Major Murdock graduated from Northwestern State University of Louisiana with a degree in finance and later transitioned from the armor branch to the finance branch. Reflecting on Military Service and Career Progression Major Murdock’s military career includes serving as a platoon leader in Afghanistan, attending various military courses, and leading significant finance operations. Together, the group dives deep into his journey, unveiling his motivations, the significance of his promotions, and his aspirations to become a certified financial advisor. Diving Deep into the Training with Industry Program A focal point of the conversation is the Training with Industry Program, where Major Murdock shares his personal experience and the program's impact on his career. The initiative is designed to bridge the gap between military dispersing and civilian banking. It equips officers with critical banking knowledge essential for supporting combat operations worldwide. The discussion also touches on the Short Course extension of the program. This version includes participation from active duty, National Guard, and Reserve components. Major Murdock emphasizes the significance of this initiative in expanding military personnel's banking knowledge. Military Leadership and Aspiring Soldiers Tom and Jodi explore what drives Major Murdock daily. His responses echo his commitment to his family and making a lasting impact through financial education. He passionately shares his vision of generational improvement and financial stability as his life's purpose. The episode presents valuable guidance for young individuals considering military service. Major Murdock highlights the unique opportunities for growth and achievement within the Army, offering insights for both short-term and long-term ambitions. A Glimpse into the Future As his current role nears conclusion, Major Murdock's aspirations focus on certifications to further his professional path. He discusses the legacy he wishes to leave behind: a commitment to support, solutions, and continuous improvement. Major Murdock shares a personal philosophy: always striving to find a path to "yes." His journey reflects resilience and determination, poised to inspire listeners. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: According to the Rolling Stone Magazine, who is the best stand up comedian of all time?●     Answer: Richard Pryor●     This week’s Military Minute question: What is the name of the famous tune written by Albert Von Tilzer?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with Ashley Gutermuth—military spouse, stand-up comedian, and podcast host. Known for her witty perspective and observations on life as a military spouse and relationships, Ashley discusses her unique journey, comedic inspirations, and her passion for advocating for military spouses.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 74 – How to Find Humor in Military Life (Even When It’s Tough) with Ashley Gutermuth Ashley Gutermuth isn't just a stand-up comedian; she's a world traveler with performances spanning the globe—Japan, the UK, Germany, and even Greenland. Her award-winning show, "Ashley Gutermuth is Hard to Pronounce," has captivated audiences everywhere. Despite her extensive travel schedule, she now aims to focus on more localized performances, staying closer to her new home in New York City. Finding Humor in Everyday Challenges Jodi and Tom commend Ashley for her ability to find humor in the everyday challenges of military life. Ashley shares her experiences moving frequently and the comedic potential in the unexpected events faced by military families. From running daily for nearly ten years, experiencing PCS moves, to humorous interactions at military events, her life is full of stories that resonate with many who have lived the military lifestyle. Inspirational Advocacy and Giving Back Beyond comedy, Ashley is committed to advocacy work for military spouses, addressing issues like unemployment and food insecurity. Her passion for helping others is evident in her involvement with initiatives like Stronghold Food Pantry, where she delivers gift cards and support to military families globally. Advice for Aspiring Comedians Throughout the episode, Ashley shares insights for those interested in pursuing a career in comedy. She emphasizes the importance of resilience, advising aspiring comedians to put themselves out there, whether it's through open mic nights or social media, and to embrace failure as part of the journey. Her candid approach to comedy and life is both refreshing and motivating. A Session Filled with Laughter The podcast episode isn't all earnest discussion. Tom, Jodi, and Ashley share lighthearted moments, reminiscing about favorite sitcom episodes and joking about everyday life scenarios. Ashley's quick wit and genuine personality shine through, leaving listeners entertained and inspired. Ashley hopes that her performances leave audiences feeling uplifted and connected. She invites those interested in following her journey or booking her for events to visit her website, AshleyGutermuth.com. Her laughter-filled perspective on life highlights the power of humor in overcoming life's challenges, particularly within the military community. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: Who is the French artist famous for his water lilies paintings?●     Answer: Claude Monet●     This week’s Military Minute question: According to the Rolling Stone Magazine, who is the best stand up comedian of all time?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com

Welcome to the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery. In this episode of “Militarily Speaking,” Tom and Jodi sit down with retired Major General Steven J. Lepper to discuss his impressive military career, his role as AMBA CEO, and his dedication to financial literacy and support for veterans. Steve shares his insights on the Veterans Benefits Banking Program, advice on financial planning for military families, and his continued efforts to support military communities.“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are. Ep. 73 – Financial Strategies for Active Duty and Veterans from Ret'd Maj Gen Steven J. Lepper Maj Gen Lepper's accomplishments are vast and varied. After 35 years in the Air Force as a judge advocate, culminating as the deputy judge advocate general, Steven Lepper transitioned to a role as CEO of the Association of Military Banks of America (AMBA). In this episode, Lepper reflects on his career and the significant milestones that defined his path. Born into an Air Force family, Maj Gen Lepper and his brother followed in their father's footsteps, each carving out impressive careers in service to their country. This deep-seated family tradition was rooted in military life, offering Steven a broad perspective and inspiring his daughters, with the eldest pursuing her own military career. The Importance of Financial Legacy and Planning Based on his early education at the Air Force Academy, Steven stressed the need for a solid savings strategy and an understanding of investments. He encouraged young service members to save diligently and make smart financial decisions, underscoring the importance of the Thrift Savings Plan and the benefits of military service. Throughout the discussion, Steven highlighted the necessity of estate planning, advising service members to secure a will and trust to safeguard their families' futures. His advice provides invaluable insights for both active service members and veterans alike. Veterans Benefits Banking Program: Providing Essential Support One of Steven’s proudest achievements during his tenure at AMBA was the establishment of the Veterans Benefits Banking Program (VBBP). This program is a testament to his commitment to enhancing the financial well-being of veterans. By addressing the challenges faced by veterans without bank accounts, the VBBP offers vital financial services and counseling, reducing the reliance on costly paper checks or prepaid cards. This initiative demonstrates his proactive approach to helping veterans access secure banking solutions, ultimately fostering financial stability and reducing susceptibility to fraud. Fraud Prevention: Protecting Vulnerable Populations In discussing the prevalent issue of fraud, Steven provided practical advice to protect against scams, emphasizing the importance of vigilance and daily monitoring of financial accounts. His personal experiences with fraud in AMBA accounts illustrate the necessity of awareness and prompt action when unauthorized transactions occur. Military MinuteJodi introduces the Military Minute segment of the show, beginning by closing out last episode’s Military Minute.●     Last episode’s Military Minute: What is the name of John's book?●     Answer: Surrender or Die!: Reflections of a Combat Leader●     This week’s Military Minute question: Who is the French artist famous for his water lilies paintings?●     Watch for Facebook and Instagram posts about this episode.●     Answer with the correct answer and you plus a charity of your choice can each win $50.●     After a winning selection, Military Minute participants are eligible for another selection after 12 months. Tom closes the episode by asking listeners to go to www.afbank.com and subscribe to the show, as well as leave a rating and comment on your favorite podcast platform such as Apple Podcasts or Spotify. Join us to hear how to better navigate your finances, military life, and the crossroads of the two. Visit www.afbank.com