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Written by Madeline Daniels · 26 September 2016

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Word cloud of most significant concerns when transitioning from the military into the civilian workforce. "Finances" is the largest word.

Military Transitions

Written by · 25 July 2016

Word cloud of most significant concerns when transitioning from the military into the civilian workforce. "Finances" is the largest word.Military Saves’ mission is to promote the importance of savings and to encourage servicemembers and their families to take financial action. Over the next six weeks, our campaign will be focused on the big transition: leaving the military.

This resource packet contains a message to our partners, sample article, social media posts, and resources designed to help you communicate with your audience about the importance of making saving for transition a top priority. We encourage you to use this material to position your organization “on the front lines” of the savings message, to encourage individuals to take the Military Saves pledge, and to help our servicemembers transition without debt and with a healthy savings safety net.

As educators, counselors, coaches, non-profits and practitioners we’ve all seen the devastating impact that failing to adequately plan for transition can have on an individual and family. The data show that approximately one out of two (53 percent) separating Post-9/11 Veterans will face a period of unemployment. Let’s continue to work together to get the need to “save for transition” message out to servicemembers before they get out. Thank you for all you do for our servicemembers!

Download the partner packet in Word.

In this Packet:

Sample Article

Social Media Content

Relevant Resources

Sample Article

For use in communications that directly reach your constituents. We encourage you to use its contents as a guest post for your blog, newsletter, e-mail communications or any other publication. Feel free to rewrite it as your own.



A Military Transition “SMEAC“ Approach (5 Paragraph Field Order)

By Letty Stevens, AFC®

S: Situation

M: Mission

E: Execution

A: Administration and Logistics

C: Command and Signal

Situation: Transitioning out of the military needs to be well planned and executed. No matter your rank, occupational specialty or training, the process is not an easy one and it is not intuitive. You must have goals. One key goal is for you to be both financially and mentally prepared for the transition into civilian culture.

One of the biggest obstacles to your peace of mind during transition is debt. If you transition out of the military with credit card debt and/or an outstanding car or personal loan, you may have a potentially detrimental situation on your hands. Being in the military guarantees a consistent paycheck. In the civilian world, however, you are likely to change jobs frequently, and may find yourself unemployed from time-to-time. The sooner you pay off your debt and start saving, the better off you and your family will be during your transition, and into your civilian life.

Mission: The Military Saves mission makes savings and savings strategies a priority for servicemembers and their families. For those who are transitioning, this is a call to action!

Execution: We encourage you to take the savers pledge, sign up for biweekly text messages and begin to discuss saving with your family as a transition strategy today.

Administration: You are the sole administrator of your finances, but we encourage you to reach out to your resources. For those of you who are married this is a team effort. Logistics: Your spouse is transitioning with you, and having his/her additional income to get you through your transition needs to be discussed in the months and years leading up to your transition.

Command and Signal: Take command of your financial transition by making a plan to pay off your debt and start saving today!

  1. Start the process with an honest discussion. Just sit down and talk with your spouse, significant other, financial counselors or whoever you trust.
  2. Document your SMART transition goals, immediate and long term.
  3. Keep communicating and saving, with verbal and visible reminders. Text messaging is now available when you take the savers pledge.

This is your new financial life taking shape, and it all starts with a plan. When you plan to save and stick with your plan, it will result in your financial peace of mind today, during your transition, and into your civilian life.

Military Saves, managed by the nonprofit Consumer Federation of America (CFA), seeks to motivate, encourage, and support servicemembers and military families to save money, reduce debt, and build wealth. Learn more at militarysaves.org.

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Social Media Content

Share the following messages with your Facebook & Twitter followers.






Save for transition, sock away windfalls http://bit.ly/29VjxhL #SavingsTipTuesday @militarydotcom @MilitarySaves
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TSP is effective way 2 save for #retirement automatically http://ow.ly/BfFtx @Military Saves #SavingsTipTuesday
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6 transition tips no. 2 >> cut and save: http://bit.ly/2a6xzfe #SavingsTipTuesday @MilitarySaves
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8 financial tips to ease the transition. No. 6: Build your emergency savings! http://bit.ly/29WbT6k #SavingsTipTuesday @marybstorj @MilitarySaves
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5 financial tips. No. 3: Have an emergency fund ready. http://bit.ly/2anGIPL #SavingsTipTuesday @usnews @MilitarySaves
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Save 3-4 months’ worth of living expenses 2 alleviate stress. http://bit.ly/29W1U1m #SavingsTipTuesday @NMSNetwork @MilitarySaves
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# 1 Transition tip: Set aside a transition fund. http://bit.ly/2a6yAVQ  #SavingsTipTuesday #BetterMoneyHabits @MilitarySaves
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Financial preparedness for transition is key concern http://bit.ly/29VAJ6P @MilitarySaves @NMFA #SavingsFactFriday
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76% active duty servicemembers have retirement accounts http://bit.ly/2a2WOxp #SavingsFactFriday @FINRAFoundation
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Paying off a mortgage early can result in serious savings during #retirement http://ow.ly/BfKeu @MilitarySaves #SavingsFactFriday
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44% of workers indicate they don't have a problem with their level of debt. http://bit.ly/2adRt8k @MilitarySaves #SavingsFactFriday
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69% report that they or their spouse have saved money for retirement http://bit.ly/2aeBvLg @MilitarySaves #SavingsFactFriday
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Additional Posts

Tools to help you successfully navigate your transition: http://bit.ly/2aq7U1m @FINRAFoundation @MilitarySaves
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It’s a good idea to get your financial house in order before you separate. http://bit.ly/29VF5uK @MilitarySaves
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Creating a workable budget and sticking to that budget is a great start. http://bit.ly/2a7AXUQ #FinanciallyResponsible @MilitarySaves
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U need about 80% of your pre-retirement income 2 continue UR quality of life #Retirementtalk http://bit.ly/2a7Da2t @USAgov @MilitarySaves
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The earlier you plan for transition, and the more you save toward it, the better your chances of having it work out as you planned. @MilitarySaves
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A trusted, well-informed financial coach can increase your odds of financial success http://bit.ly/2aryaev @CFPBMilitary @MilitarySaves  
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Relevant Resources

Share the following tools and resources with your audience and with other organizations.

Military Saves Resources about Transition and Retirement





Additional Resources

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Sign Up for Military Saves 2019

Written by Alecia Blair · 12 October 2015

This form is for organizations who want to participate. Service members and their family members who wish to take the Military Saves Pledge can click here to participate as individuals and set their savings goals. 

Trouble with the form below? Register here. 

Savers, Sign Up for Text Messages

Written by Katie Bryan · 23 February 2016

Step 1: Sign up for Military Saves goal based text message reminders to be eligible for the $500 monthly drawing from February 22, 2016 through May 22, 2016 to help you reach your saving goal. (See full rules here for drawing.)

How to enter to win the $500: 

I want receive text message saving tips and reminders.

I understand that standard carrier message and data rates MAY apply. I may receive up to 4 text messages and alerts per month from an automated system and that I can text STOP to cancel or text HELP for help at any time. Consent is not required to buy goods and services. Mobile Privacy Policy and T&Cs.

Phone Number with Area Code 

This is a win-win situation. From February 22, 2016 through May 22, 2016 one lucky person each month will win $500 to help them reach their savings goal – and everyone will win by staying motivated to save. Good Luck and Happy Saving! 

Sign Up for Military Saves Week 2018

Written by · 12 October 2015

Military Saves Week: February 26-March 3, 2018

This form is for organizations who want to participate in Military Save Week. Servicemembers and their family members who wish to take the Military Saves Pledge can click here to participate as individuals and set their savings goals. 

Trouble with the form below? Register here. 

Tip of the Day

  • Written by Guest Blogger | April 30, 2014

    Check out these 54 Ways to #save on groceries, transportation and more >> http://ow.ly/sfsPP

Saver Stories View all »

60 Teens participate in Massachusetts Youth Saves Program

Written by Super User | November 26, 2010

During the months of June & July, 60 teenagers aged 13-19 from Marine, Coast Guard, Army, and Air Force families attended Youth Saves programs across the Commonwealth of Massachusetts to help increase their knowledge of financial literacy.


A Plan for Success

Written by Super User | April 26, 2012

I’m Staff Sergeant Robert Zuniga and I have been an active duty Air Force medic for eight years. I plan on staying in long enough so that I can retire at 20 years. I have always been interested in personal finance and would like to share how it IS possible for me and my stay-at-home wife and two kids to not only save and invest a ton of money but also have a lot of responsible fun as well on 'low' enlisted pay. You CAN do it too!

First off, we write down our goals and separate wants from needs.


When You Start Small, Saving is Easy

When Attiyya first got married, she and her Marine husband had just graduated from college and were focused on paying off student loan debt. They had both attended private schools and had sizeable loans. Then three months after the wedding, the couple found out they were pregnant with their first child.

The first year of their marriage, says Attiyya, was a balancing act between paying down debt and saving for the future.