Building a Six-Figure Savings While Enjoying Life

Does the idea of saving up hundreds of thousands of dollars seem impossible? How about doing it while still living an enjoyable lifestyle?

For military spouse Martina and her husband, an E-5 in the Navy, accumulating a six-figure savings has become a reality. One might think that in order to save this much, it would take a great deal of sacrificing and forgoing a certain quality of life, but Martina and her husband would disagree. “Over the past few years (about five), we've managed to save almost $120,000 while mostly living on one income. We've learned so much about easy ways to save money and live a good life,” shares Martina.

The couple started their savings journey with two goals in mind: to become financially secure and to save up enough to purchase their own home. They started by taking the Military Saves Pledge and building a personal financial plan. The result of using our Military Saves spending and saving plan tool, living frugally, taking advantage of discounts, incorporating automatic savings, and having a plan paid off. In just a matter of years, the couple accumulated over $100,000. While many would think that hitting the six-figure savings mark would suffice, what did this military couple do? “We just kept going!” says Martina.

Strategic Steps to Six Figures

Martina and her husband have committed to making saving a priority. Each payday, they take advantage of automatic transfers and have a pre-determined amount of money transferred to a separate account. This tactic is embraced by other Savers, who have benefitted from this “set it and forget it” financial strategy.

When it comes to spending, the couple has a plan as well. Martina describes, “We separate the money for bills and everyday spending into different accounts. We also agree on a monthly allowance -- especially during deployments!” Charting and controlling their income and expenditures is a smart way to manage purchases and prevent overspending.

Although the couple has done well, they noticed that many of their peers in both the military and civilian communities have found it challenging to navigate their finances. Martina explains, “It inspired me to start my personal finance website: Stack Your Dollars. I use it to share the life habits that made a difference for us.”

As a result of their financially savvy choices, they’ve managed to save, live frugally, and still enjoy a great quality of life. Martina loves their adventures, and encourages other military families to take advantage of Morale, Welfare, and Recreation events, military discounts, and to find great deals on activities.

”Last year, we went to both Paris, France, and traveled throughout Italy from Venice to Pompeii,” says Martina. What an impressive accomplishment for this couple who is enjoying their present, while still building wealth for their future. We hope this inspires your military family to do the same, and we encourage you to take advantage of our financial tools to get you started.

Do you have a Saver Story of your own? Share your savings tip with us and you can get $50 to boost your savings! Take the Military Saves Pledge today, and visit for more tips and resources.

Tip of the Day

  • Transferring #money from #checking to #savings is the fastest way to #save $500 - $1,000 >>

Pledge to Save

I pledge to save money, reduce debt, and build wealth over time. I will encourage my family and friends to do the same

Pledge to Save

Saver Stories View all »

Setting a Goal Leads to Success

Growing up, Marisa’s dad had always talked about saving first, but she said she didn’t really internalize it until much later. “I was drifting along with no plan, carrying a little bit of revolving debt, saving some money here and there, but without a real plan for it.”


Involving Kids in Family Finances


One of the best lessons we can share with our kids is about money. By middle school, kids should have a good understanding of how money works as well as the importance of saving.


How Smart Financial Decisions Can Create Opportunities 

Written by Stephen Ross, America Saves Program Coordinator | November 22, 2019

Of the many stories Military Saves shares, most describe how someone was in dire straits financially and worked their way out of it with the help of Military Saves. This time we want to highlight a different kind of story. This is a story about how responsible financial decisions can build on one another to create opportunities you thought only the super-rich enjoy.