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Financial Readiness Program

Financial Education and Training

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Take control of your financial future - enroll in our classes today. 

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Enroll in our classes today to enhance your budgeting and debt management skills, and access online resources!

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Let one of our Accredited Financial Counselors set you up for financial success.

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Learn smart money habits for life.

Learn how to manage your money and get financially stable. The Financial Readiness Program (FRP) offers free classes, workshops, and one-on-one counseling to help service members, Families, and retirees build strong financial habits.

Whether you're budgeting, planning for retirement, or making a big purchase, financial education gives you the tools to make smart decisions!

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Financial Readiness Common Military Training

Soldiers will face financial changes in their military career. Financial literacy training sets the stage for sustained financial well-being and resilience through those challenges. That’s why Soldiers receive mandatory financial training at career milestones including:

  • Entry to service
  • Initial Entry Training
  • Arrival at your first duty station
  • Vesting in TSP
  • Receipt of PCS orders
  • Deployment
  • Marriage 
  • Birth or adoption of the first child
  • Life challenges, including divorce or disabling condition
  • Eligibility for continuation pay
  • Leadership training
  • Transition (retirement/ETS/medical discharge)
     

Financial Readiness Classes And Workshops

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Money Management and Budgeting

Learn to create a realistic budget that works for your financial goals

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Understanding Credit and Debt

Improve your credit score, pay off debt, and protect yourself from fraud

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Home Buying and Renting

Get tips on buying or renting a home and understand VA loan benefits

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 Smart Car Buying and Insurance

Avoid common car buying mistakes and find your best insurance options

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Investing and Retirement Planning

Learn about the Thrift Savings Plan (TSP), IRAs, and smart investment strategies

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Financial Planning for Families

Budget for a baby, college savings plans, and Family financial security

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Estate Planning and Insurance

Understand wills, life insurance, and ways to protect your assets

Contact your local Family Readiness Center for a calendar of offerings or to schedule a class for your unit. 

View Schedule

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One-on-One Individualized Financial Counseling

If you have a unique situation that calls for personalized help, FRP has free professionally credentialed counselors available to assist you with your specific needs. We can talk with you one-on-one about topics like 

  • Budgeting and money management 
  • Credit repair and debt reduction
  • Buying a car or home
  • Planning for major life events
  • Retirement and investment options
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Additional Resources

Here are more trustworthy links, documents and tools for emergency financial assistance.

Helpful Financial Readiness Links

  • 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.

  • Office of Financial Readiness: The Office of Financial Readiness, in collaboration with the services, federal partners and non-federal entities, provides programs, policy, education, advocacy and program oversight required for service members and Families to achieve personal financial readiness in support of mission readiness.

  • 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.
  • Money Matters: Here you will find information and resources to learn – and teach others – how to tackle common money issues head-on, as well as how to spot, avoid, and report related frauds and scams that can affect your financial well-being.
  • Financial Frontline: Online Support, self-service financial literacy education and help.
  • 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.
  • FINRA: 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.

Army Community Service (ACS)

Financial Readiness Program

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