Financial Readiness Program

Hours of Operation

Monday 8 a.m. - 5 p.m.
Tuesday 8 a.m. - 5 p.m.
Wednesday 8 a.m. - 5 p.m.
Thursday 8 a.m. - 5 p.m.
Friday 8 a.m. - 5 p.m.
Saturday Closed
Sunday Closed


Bldg. 9023
1231 Mahone Avenue
Google Map

Handicap Accessible


Military DSN Tel:

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The Financial Readiness Program is your resource for information on money matters. We can help you better understand financial topics like: 

  • Military pay
  • Checkbook and debit card management
  • Financial responsibility
  • Consumer awareness
  • Credit management
  • Debt elimination strategies
  • Saving
  • Investing
  • Developing a spending plan


We can also help you learn about other financial services, including:

  • Army Emergency Relief (AER): A private, nonprofit organization established to help Soldiers and their Families in emergency financial situations due to no fault of their own.
  • Education Program: Offers need-based scholarships to help eligible Army Families with education costs.


Family Subsistence Supplemental Allowance (FSSA) Pre-screening

Pre-screening and counseling for Soldiers who qualify for the FSSA entitlement. FSSA is an entitlement authorized by Congress in 2001 and was created to supplement the Soldier's Basic Allowance for Subsistence (BAS). This entitlement will not exceed $1100 per month. Information and application for FSSA is web-based and can be found under the "Life Events that Impact Your Benefits" tab.

Additional Financial Resources

Other helpful financial readiness links include:

  • Thrift Savings Plan: A Federal Government-sponsored long-term retirement savings and investment plan, available for both Federal civilian employees and members of the uniformed services.
  • U.S. Savings Bonds: A shorter-term savings option with competitive interest rates and backed by the full faith and credit of the United States.
  • Military Saves: A component of the nonprofit America Saves and a partner in the Department of Defense’s Financial Readiness Campaign, Military Saves seeks to motivate, support, and encourage military Families to save money, reduce debt, and build wealth.
  • Money Matters: A mobile-optimized resource with calculators for savings, debt reduction and other reference material in one location.
  • Housing Resources for Military Members: The National Military Family Association has compiled a great list of resources to help Military Families who are struggling with the pitfalls of the housing crisis.
  • Army OneSource: Network of the services and delivery of support to Soldiers and their Families.
  • Military OneSource: A Department of Defense-funded program that provides comprehensive information on every aspect of military life at no cost to active duty, National Guard, reserve members, and their Families.
  • Office of Servicemember Affairs: A component of the Consumer Financial Protection Bureau helps to educate and empower military members, veterans, and their Families in the consumer financial marketplace.
  • A project of the FINRA Investor Education Foundation, a free, unbiased resource dedicated to your financial health. Helps you make informed decisions through easy-to-use tools and resources, and arms you with the information you need to protect yourself from investment fraud.
  • Better Business Bureau Military Line: Provides specialized education and support services, which meet the needs of active and retired military personnel and their Families. 
Military Classes / Unit Training

Military Classes

Money Management Refresher Course
1 to 4 p.m., first Tuesday of the month
Soldier Support Center, Room 125
This course provides participants with a practical approach to financial management. Course topics will include money management, budgeting, consumer awareness and much more. This is a free program.

Money & Moving for Permanent Change of Station
9 to11 a.m., first Tuesday of the month. Mandatory for E4 and below
Soldier Support Center, Room 125
Seminar topics will include financial entitlements and costs associated with planning for an initial permanent change of station move. This is a free program.

Unit Training Available

  • Thrift Savings Plan
  • Home Buying
  • Consumer Awareness
  • Identity Theft
  • Banking and Checking
  • Developing a Spending Plan and Debt Management
  • Money and Moving
  • Debt Elimination

All Financial Readiness Program financial topics (to include community class topics) are available for Units and FRGs upon request.

Community Classes Descriptions

Banking and Financial Services
Discover the differences in banking institutions. In addition, learn effective record keeping techniques and personal finance organizational skills. 

Car Buying
Save money and hassles on your next car purchase by learning the Three Deals of Car Buying: the Purchase, the Financing and the Trade-In. 

Consumer Awareness
Learn how to make smart consumer decisons and how to avoid possible scams, fraud, and ID Theft in the marketplace. 

Credit Management
Participants will learn a basic understanding of credit and discuss how to make informed decisions concerning credit use to include establishing, maintaining and avoiding excessive debt. 

Downsize Your Debt
Learn strategies for managing personal debt; how to escape its clutches and improve your credit score with an easy six-step process. 

Developing a Spending Plan
Learn how to create and maintain a personal budget that works! Participants will learn how to evaluate their present financial situation, establish personal financial goals and identify their Debt-to-Income Ratio. 

Home Buying
Participants learn the specific steps involved in making a wise home purchase, develop knowledge and skills that will enable them to conduct adequate research – including determining how much they can afford to spend.

Paying for College
Learn how to compare and evaluate different college funding options. Identify resources for researching financing alternatives.

Retirement Planning
Learn how to estimate retirement funding needs, along with comparing and evaluating different retirement account options. 

Saving and Investing
Participants will learn the purpose and value of saving and investing, along with evaluating and choosing appropriate tools and techniques to build wealth. 

Surviving the Holidays – Financially
Participants will learn how to plan for increased holiday expenses while developing strategies to avoid overspending and accumulating excessive debt. 

Thrift Savings Plan
Participants will learn detailed information on the Thrift Savings Plan (TSP) and understand how TSP can assist in providing financial security during retirment. 

Understanding Insurance
Develop knowledge and skills that will enable you to make informed decisions on the basic types of insurance and determine your personal needs for life insurance. 

Identity Theft

Service members are especially at risk for becoming victims of identity theft.

Soldiers deploy, move frequently and use their Social Security Number for a variety of official purposes. Identity thieves use a variety of tactics to steal your identity. Risks include lost or stolen purse/wallet, internet/E-mail/file sharing, store/bank/restaurant employees, dumpster diving, mail theft, telemarketers/sweepstakes and, in the workplace.

Limit the information you give out, such as Social Security numbers, date of birth, mother's maiden name, account numbers and driver's license numbers. Ask how information will be used and verify the source.

To obtain your free credit report, authorized by law, go to: or call 1-877-322-8228.

Consumer Myths

Myth #1
You have a 3-day right to cancel any purchases or contracts. The fact is: You have 3 days to cancel large item purchases. There are return policies. Make sure you are aware of it. Cancel all contracts in writing and send it Certified Return Receipt within the allotted time.

Myth #2
Deposits are refundable. The fact is: A deposit is an agreement between you and the business. You may not receive your deposit back. Get all promises in writing!

Myth #3
Retailers are required to give refunds. The fact is: A store is not obligated to accept items for refund, exchange, or credit except in cases where the item is defective. Find out the store's refund policy before purchasing an item.

Myth #4
If my car breaks down, I can return it under the "Lemon Law." The fact is: Virginia's Lemon Law applies to new cars only and used cars under dealer warranty. There are a number of steps, requirements, and procedures, which must be documented and followed.

Myth #5
The bank cannot cash a post-dated check before the date on the check. The fact is: Most checks are processed through the bank electronically. The date on the check is a memo for your purposes only. Once you write a check, it is a valid negotiable instrument and can be cashed immediately.