Kate Horrell

Kate Horrell is an accredited financial counselor® and personal financial educator who helps the military community make the most of their pay and benefits. With more than 10 years working with thousands of military families, she understands the concerns of currently serving, retired and veteran families.

Kate has a bachelor’s degree in history from the University of Maryland, volunteers with the Navy-Marine Corps Relief Society and is a member of the Military Officers Association of America, or MOAA, currently serving spouses advisory board. She has been married to a sailor for 27 years, corralling four girls and two cats across four OCONUS tours and a handful of homes in the U.S.

Latest Articles

US $100 bills, bent into four sections resembling paper airplanes or birds, fly in a V through the blue sky.

Should You Borrow from Your TSP Account?

Financial experts don’t recommend taking out loans against retirement accounts such as the military’s Thrift Savings Plan...

A stack of bills looks blurry, as though it's in the process of being flipped through, with one president's face in focus.

Basic Needs Allowance Overview

The Basic Needs Allowance can potentially add hundreds of dollars to the paycheck of a military member with a family whose...

7 Cheap and Fast Halloween Costumes

Looking for a cheap Halloween costume? Your closet probably has all the components you need to make a great costume. Here are...

Flames appear to burn a pile of $50 bills, which take up the whole frame.

5 Reasons for Service Members to Avoid Borrowing from Their Thrift Savings Plan Accounts

While taking a loan from a TSP account may be a simple solution, it is important to understand the long-term reasons a...

Vanessa Arzabala, right, a military spouse and Truman Army Education and Personnel Testing Center guidance counselor, will help operate the new Fort Leonard Wood Spouse Resource Center. The center, opened Jan. 30, 2024, is designed to provide military spouses with community, education and employment resources on and off the installation. (Brian Hill/Army)

The DoD Just Expanded Its Education Benefit for Military Spouses. Here's How to Choose a Reputable School

As military spouses become newly eligible for educational funding assistance, it's important to know how to shop for a...

Transition Funds Vital for Exit from Military, Financial Adviser Says

One of the most important, yet overlooked, parts of transition to civilian life is a transition fund.

Air Force airmen in camouflage uniforms sit at a table in front of laptops, while one counts out fake money from a stack.

5 Reasons to Pay Attention During the Military's Financial 'Touchpoint' Training

Taking full advantage of financial touchpoint training can be one of the smartest moves service members make to build a...

In a photo illustration, a blurry white house is in the background, while in the foreground, a red stick declaring "scam!" obscures the house's for-sale sign.

Why Military Homeowners May Be at Greater Risk of Title Fraud

Title fraud is still relatively rare, but the military lifestyle makes service members more vulnerable than their civilian...

Family loading moving van for PCS military transfer

Can You Make Money Off a DITY Move?

Should you believe those folks who claim they made bank on a PCS move?

Six men and women, most in uniform, stand in a row in front of an American flag draped as a backdrop.

4 Things 'Gray Area' Reservists Need to Do When They Turn 60

Finally receiving that hard-earned military retirement pay at age 60 is a big deal, and you definitely want to get that...

PCS Efficiency: How to Set Up Your New Home so It Costs Less to Run

Decisions you make when you move into your new home will affect the ongoing costs of running it.

What You Need to Know About Virginians' Fight to Restore Benefits for Families of Vets

Veterans' families are geared up for Friday's special session of the Virginia General Assembly to review the massive changes...

Three apartment towers arranged around a central drive

Get Your PCS Priorities in Order with This House-Hunting Checklist

When it's time to PCS, military service members who identify their priorities before they start house hunting can save time...

Facing away from the camera, male veterans stand amid folding chairs while wearing vests embroidered with military affiliations.

VA Benefits Likely Won't Cover All of a Veteran's Funeral Costs

A veteran's surviving family members may be caught off guard if they expect the VA to cover all the costs of a funeral or...

A hand places the fourth colored 'slice' into a pie-chart type of pie on a wood surface.

Pieces of a Pie: How to Start Saving for Retirement Right Now

Your retirement income will likely come from a variety of sources. Imagining retirement income as pie pieces can make the...

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Most Popular Military News

U.S. Army 1st Lt. Romello Christian, an infantry platoon leader assigned to B Company 2nd Battalion, 27th Infantry Regiment, 3rd Infantry Brigade Combat Team, 25th Infantry Division, kneels behind cover with his platoon during a simulated assault as part of the Joint Pacific Multinational Readiness Center-Exportable (JPMRC-X) exercise at Fort Magsaysay, Philippines.

The Army Needs Hundreds of Officers to Leave Combat Arms

Lieutenants currently branched in armor, infantry, combat engineer and field artillery can apply between Jan. 7 and Feb. 17...

Soldiers were recently served toast and lima beans for dinner at Fort Carson

For Soldiers at Fort Carson, Food Is Scarce

As Americans gather for Thanksgiving feasts, soldiers at Fort Carson, Colorado, are contending with a far less festive...

New contracted barracks managers across Marine Corps Installations East-Marine Corps Base (MCB) Camp Lejeune attend a training session on MCB Camp Lejeune, North Carolina.

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The Marine Corps is expanding its plan to put civilians in its barracks manager program, a move intended to improve decades...

U.S. Air Force airmen step onto the flightline to catch a flight at Beale Air Force Base, California.

Air Force's New Deployment Model Sparks Criticism, Staffing Concerns at Bases

Some Air Force officials are concerned by the service's innovative deployment model, a new government watchdog report...

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Family of Airman Killed in Japan Osprey Crash Files Wrongful Death Lawsuit

Scrutiny of the military's Osprey aircraft is ramping up as family members of an Air Force special operations airman who was...

American flags fly at a gravesite at the National Memorial Cemetery of Arizona Monday, Nov. 12, 2018, in Phoenix.

Dust to Dust: VA Now Offers 'Green' Burials at Cemeteries in Arizona, Colorado and Florida

The new benefit lets veterans and family members consider environmentally friendly preparations, urns or caskets when...

Latest Military Videos

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The Russian Defense Ministry released on Tuesday images of what it said showed the Russian Navy and Aerospace Forces...

South Korean President Declares Emergency Martial Law, AP Explains

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Master Class: Positioning for Power Jobs in Management and Leadership for Veterans

When you reflect on your military career, was being in a leadership role the best part? Would you like...

Investigations and Features

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...

A patch in the home of retired missileer Paul Hunke

They Stood Sentry over America's Nuclear Missile Arsenal. Many Worry It Gave Them Cancer.

For years, it was an open secret among missileers that the Cold War-era missile alert facilities and launch control centers...

Army News

(Lance Cpl. Rebecca Elmy/U.S. Marine Corps photo)

Army Soldier Lies About Grandma’s Pie Sales to Steal $41,000 in COVID Loans, Feds Say

The soldier stationed at Fort Gregg-Adams in Virginia said he earned the income in 2020 by selling his grandmother's pies...

An airman places an American flag in front of a headstone in the base cemetery during the “Flags In” ceremony on F.E. Warren Air Force Base, Wyoming.

Family Grieving 98-Year-Old Veteran Sues After Learning Other Remains Buried in His Plot

The wife of a U.S. Army veteran who served in World War II believes he is buried in a cemetery plot they purchased decades...

Navy News

U.S. Marines with 3d Littoral Combat Team, 3d Marine Littoral Regiment, 3d Marine Division, prepare to simulate firing rounds with the Navy Marine Expeditionary Ship Interdiction System on Marine Corps Training Area Bellows, Hawaii.

Hawaii Marines First to Get ‘Ship-Killing’ Missile Launcher

Marines on Oahu have been testing the Navy/Marine Corps Expeditionary Ship Interdiction System, better known as NMESIS, and...

The USS Oregon (SSN 793) transits the Thames River after returning from routine operations in route to Naval Submarine Base New London in Groton, Conn.

Congress Faces Competing Plans to Cover Submarine Construction Labor Cost

When Congress returns to Washington this week, members will again face the multibillion-dollar question of how to ramp up...

Air Force News

Air Force's New Deployment Model Sparks Criticism, Staffing Concerns at Bases

Some Air Force officials are concerned by the service's innovative deployment model, a new government watchdog report...

Family of Airman Killed in Japan Osprey Crash Files Wrongful Death Lawsuit

Scrutiny of the military's Osprey aircraft is ramping up as family members of an Air Force special operations airman who was...

Space Force News

Does the Military Need Social Media Influencers?

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Members of the National Space Defense Center stand at attention during the Space Delta 15 activation ceremony at Schriever Space Force Base, Colorado.

Colorado Springs Named Permanent Home for 250 Delta 15 Space Force Guardians, Ahead of Possible Space Command Fight

The Air Force announced last week 250 Space Force guardians with Delta 15, dedicated to protecting and defending operations...

Marine Corps News