Kate Horrell

Kate Horrell is an Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner® who helps the military community make the most of their pay and benefits. With more than 15 years working with thousands of military families, she helps currently serving, retired and veteran families.

She has been married to a now-retired sailor for 32 years, corralling four girls and two cats across four OCONUS tours and a handful of homes in the U.S. She’s navigated landlording, Overseas Housing Allowances, the Post-9/11 GI Bill, the Survivor Benefit Plan decision, and transition to civilian life.

Latest Articles

Should You Let the Military Set Aside Allotments from Your Pay?

Can a military allotment help you manage your money? Probably. Is it the right tool for you? That depends.

Understanding All the Deductions on Your 2026 Military Leave and Earnings Statements

Understanding what deductions are coming out of your pay is key to knowing where all your money is going. More importantly...

A commissary worker puts pasta on a shelf.

5 Spending Strategies to Fight Bill Creep From Inflation

How do you maintain a spending plan when your bills are creeping up each month?

How to Spend the Money Left in Your DoD Health FSA by Dec. 31

You have plenty of ways to spend DoD Health Care Flexible Spending Account money on eligible expenses. Here are some...

An arm places a can of oatmeal on a shelf.

Start Preparing for the Next Government Shutdown Now, Before It’s Too Late

Having a plan can make a pay or benefits disruption an inconvenience instead of an emergency.

Tricare Demo in Two Cities Lets Users See a Specialist Without a Referral

Through the demonstration, beneficiaries will receive care through the CareSource provider network instead of the Humana...

Manage Household Utility Costs at Your New Base by Avoiding These Pitfalls

Being stationed at a location with a hot summer or a cold winter may make it harder to pay large energy bills. Budget billing...

Children that attend the Defense Supply Center Richmond Child Development Center place pinwheels in the ground after a Pinwheel Parade at Defense Supply Center Richmond, Virginia

How to Plan for an Extended Government Shutdown

Well, it’s finally happened. After years of reporting on what to expect if the government shuts down and military pay is...

There are steps you can take to survive a government shutdown and potential military pay delay.

What to Do in a Government Shutdown: Don't Panic! Be Proactive

Panic seems like the natural response to the prospect of missing a paycheck due to a government shutdown. But a better idea...

Airmen from the U.S. Air Force Honor Guard and a bugler from the U.S. Air Force Band’s Ceremonial Brass conduct military funeral honors for U.S. Air Force Capt. Wade Holmes in Section 57, Arlington National Cemetery, Arlington, Virginia.

Lump-Sum Benefits for Survivors of Active-Duty Military Members

Even military families often don’t know what benefits are available to the surviving family of an active-duty service member.

U.S. Air Force Senior Airman Judah Rice, a honor guardsman assigned to the 628th Air Base Wing, gives a facing movement command during military honors simulation for an active-duty funeral, Joint Base Charleston, South Carolina.

Monthly Benefits for Survivors of Fallen Active-Duty Service Members

When combined, the Survivor Benefit Plan (SBP) and Dependency and Indemnity Compensation (DIC) can offer a steady stream of...

Montage of a pile of cash, a stethoscope and a calculator.

Tricare Premiums vs. Enrollment Fees: Here's Why the Difference Matters

Being aware of your Tricare catastrophic cap can help you plan your medical budget and make smart decisions about carrying...

A stethoscope lies on top of fanned-out US $100 bills.

Understanding Your Tricare Catastrophic Cap

Being aware of your Tricare catastrophic cap can help you plan your medical budget and make smart decisions about carrying...

Two recent graduates of Hohenfels Middle High School at U.S. Army Garrison Bavaria, Germany, pose for a photo during the school's graduation ceremony June 6, 2025, at the school's football field. (Bryan Gatchell/U.S. Army photo)

How to Change Tricare Coverage After a Qualifying Life Event – and Which QLEs Count

Many service members experience one or more qualifying life events, or QLEs, each year, unlocking opportunities to change...

Advisers stand behind a table and talk to U.S. Air Force members.

When to Be Wary of Free Financial Advice, Plus Alternatives Available to Military Households

Financial companies offering free financial advice usually make their income by selling financial products such as insurance...

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Most Popular Military News

Rep. Michael Lawler, R-N.Y., left, confronts House Minority Leader Hakeem Jeffries, D-N.Y.

Federal Government Shutdown Grinds into a Second Week as Tempers Flare at the Capitol

As the federal government shutdown enters a second week, there’s no discernible endgame in sight.

Pvt. Paul Douglas, age 50, performs a rifle inspection with his drill instructor aboard Marine Corps Recruit Depot S.C., 1942. Douglas, at age 50 was the oldest recruit in the history of Parris Island, and went on to become a purple heart recipient and Chicago senator (DVIDS).

At 50, He Survived Marine Boot Camp — Then Fought at Peleliu and Okinawa

When 50-year-old Paul Douglas showed up at Marine Corps boot camp in 1942, the white-haired economics professor looked more...

Pack and transport platoon of the Russian army. Southern Military District. Ministry of Defense of Russia (Wikimedia Commons).

Ukrainian Drones Attack Russian Cavalry Troops in Rare 21st-Century Encounter

A short video circulating online this month appears to show a Russian mounted patrol being struck by a Ukrainian drone near...

When The Government Can Afford Everything Except The Essentials

Every shutdown forces the government to decide what counts as “essential.” Air traffic controllers and TSA agents fall into...

Troops Will Miss Paychecks Next Week Without Action on the Government Shutdown

The federal government shutdown is raising anxiety levels among service members and their families, because those in uniform...

Latest Military Videos

Johnson on Military Action in Greenland ‘I Don’t Think That’s Appropriate’

Johnson on military action in Greenland ‘I don’t think that’s appropriate’.

Venezuela's Interim President Declares 7 Days of Mourning for Soldiers Killed in US Attack

Venezuela's interim president declares seven days of mourning for soldiers killed in US attack.

Danish PM Says a US Takeover of Greenland Would Mark End of NATO

Danish prime minister says a US takeover of Greenland would mark the end of NATO.

Maduro Pleads Not Guilty in US Court Appearance

Maduro pleads not guilty in US court appearance.

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

American and Australian troops dug in together during the Battle of Hamel. Hamel was fought in the early morning and by a happy arrangement on what was their National Day, United States troops attacked, at battalion strength, for the first time in the British line. Their part in the operation not only made the day memorable for them, but created a great bond between the Americans and Australians. Left to right: five unidentified; Private Jamieson, 42nd Battalion; Lance Corporal Bellamy, 42nd Battalion. (Wikimedia Commons)

The Battle of Hamel: Australian Soldiers Taught American Doughboys to Fight Germans in WWI

For the first time in American history, U.S. soldiers would fight under a foreign command. In 93 minutes, they would help win...

The Second Seminole War (1835–42) took place in Florida between the U.S. military and the Seminole people. (Dade Battle by Ken Hughes 1974/Miami History Center)

Seminole Warriors Fought the US Military to a Stalemate in the Florida Swamps

Fewer than 2,000 Seminole warriors held off an American force that eventually numbered more than 30,000 troops. It became the...

Navy News

Hegseth Censures Sen. Kelly After Warning About Following Illegal Orders

Defense Secretary Pete Hegseth has announced that he is issuing a letter of censure to Democratic Sen. Mark Kelly of Arizona...

U.S. military aircraft are parked on the tarmac at the airport in Ceiba, Puerto Rico.

How the US Captured Venezuelan Leader Nicolás Maduro

Trump said a few U.S. members of the operation were injured but he believed no one was killed.

Air Force News

Air Force veteran Dominic Marino was murdered in the fall of 2018. Police are still searching for leads in his case. (Photo from obituary)

Who Killed Dominic Marino? 7 Years Later, Murder of Disabled Veteran Baffles Police

More than seven years after Dominic Marino was brutally killed inside his Connecticut home, police are still searching for...

President Donald Trump talks to the media.

With Capture of Maduro, Trump Treads Into Uncharted Territory

Trump has now twice used U.S. forces to carry out risky operations against American adversaries.

Space Force News

President Donald Trump holds top a signed executive order as Defense Secretary Pete Hegseth watches in the Oval Office of the White House, Friday, Sept. 5, 2025, in Washington. (AP Photo/Alex Brandon)

How Trump’s 2025 'War' Agenda Rewired the Pentagon

Trump’s 2025 executive actions reshape how the current administration defines national security.

A painting of a Defense Support Program satellite from the Air Force Art collection. DSP provides a variety of national security capabilities. Its flagship mission of launch detection was made famous during the Cold War. (U.S. Air Force image)

Clearing The Orbits: Space Force Partnerships In Orbital Cleanup

The growing congestion of Earth orbit has raised risks to satellites, space stations, and long-term space sustainability. The...

Marine Corps News

GySgt Cord Burgan conducting CBRN training in Okinawa, Japan, in 2022. Burgan was one of the nine appointments designated to switch from Master Sergeant to First Sergeant in January 2026 (U.S. Marine Corps photo by Lance Corporal Weston Brown)

Master Sergeant to First Sergeant: Marine Corps Revives Decades-Lost Flexibility

The Marine Corps has launched a pilot program allowing master sergeants to apply for redesignation as first sergeants...

The Green Jackers attend a hearing at the Suffolk County Veterans Treatment Court (Alexandra Imandt/New York Unified Court System)(

Green Jacket Volunteers Help Veterans Succeed in Drug Treatment Courts

The Green Jackets, a volunteer group of Vietnam veterans, are helping other veterans overcome problems with addiction and...

Coast Guard News

US Forces Board Venezuela-Linked Sanctioned Oil Tanker in North Atlantic, US Official Says

A U.S. official says U.S. forces have boarded a Venezuela-linked sanctioned oil tanker in the North Atlantic after pursuing...

The Port of Guam as seen from the motor vessel Kenyo, offloading cement in Guam, on Oct. 20, 2022. The Port of Guam is the island's only deepwater port and receives about 90 percent of the island's imports. (U.S. Coast Guard photo by Chief Warrant Officer Sara Muir)

Energy Impact of MARAD Takeover of Deepwater Ports From Coast Guard

U.S. officials said the change in who's overseeing deepwater licenses will boost domestic energy revenue and allow for global...