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How to Keep Your Wallet Happy over Your Military Move

Written by on May 10, 2021

Navy Everlasting Change of Station (PCS) strikes are going to occur whether or not you’re prepared or not. Shifting is just part of army life. You can also make issues a little bit bit simpler on your self by making ready not simply your property and household forward of time, but in addition your pockets.

Clay Stackhouse is a regional outreach supervisor for Navy Federal Credit score Union, which sponsored season one in all PCS with On this sponsored episode, he shares some monetary ideas and methods each army member ought to take note whereas making ready for a army transfer, plus how Navy Federal Credit score Union may help army members and their households prepare for regardless of the subsequent responsibility station brings.

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The next is an edited transcript of this episode of PCS with

Amy Bushatz

In terms of your cash, you may by no means, ever be too cautious or too ready. And that is very true when it is time to transfer. Relocating is already tense sufficient by itself. And the entire monetary concerns can add simply one other layer of difficult challenges. And that is why we’ve got Clay Stackhouse, a regional outreach supervisor with Navy Federal Credit score Union with us at the moment to speak by means of every part we have to find out about retaining observe of our cash in and round PCSing. Clay has been with Navy Federal since 2015, and served within the Marine Corps for 25 years. That makes him the proper particular person to speak to on this topic. Clay, welcome to PCS With

Clay Stackhouse 1:39

Thanks, Amy. I am so joyful to be right here. It is good to speak to you.

Amy Bushatz 1:44

So that you had been within the Marine Corps for a very long time. Inform us, what number of occasions have you ever moved, with or with out the army?

Clay Stackhouse 1:52

So have you learnt I used to be so excited to come back and speak to you all about this as a result of now that I have been out for a short while, and my spouse and I look again on the issues that we did after we had been within the service, it is sort of mind-blowing. I feel we did 11 strikes in 25 years. And I imply, it, they had been some good strikes; there was some strikes that we might have hoped we did over once more. However I am actually excited to share a few of the insights and overwhelmingly remind folks that you realize, that upon getting a plan, and financially you are located and every part, these strikes might be enjoyable, particularly together with your youngsters. When you get into the groove, you cooperate together with your companion, and also you, and also you, you simply settle for the truth that this can be a truth of life. And we will get after it as a household like so many army households do. I do know you realize all about that, Amy. However when you try this, I feel it may be enjoyable.

Amy Bushatz 2:50

Oh, yeah. Be part of the army, see the world, as they are saying? Yeah, OK, so I discover there are form of two forms of individuals in the case of this topic: those that hate speaking about their funds, and simply, like, keep away from making eye contact as a lot as doable. And although like with it, and those who love speaking about it, as a result of they’ve a really particular plan. I really feel such as you, given your line of labor, is perhaps the latter and the truth that you had been a Marine. You’re keen on a plan. Proper.

Clay Stackhouse 3:22

I imply, you realize, I do know that your loved ones is concerned within the army. And also you all would perceive that you just by no means actually do something and not using a plan. I imply, might you think about? Hey, guys, we’re gonna take that hill over there. And let’s simply see the way it goes. , no one would try this. So while you do one thing as vital as transferring with your loved ones, in fact, you are going to have a plan. Now, I am not saying that spontaneity is not enjoyable. In fact it’s. You might be spontaneous. However I imply, Amy, let’s face it, spontaneity is a bit more enjoyable when you could have some money in your pocket.

Amy Bushatz 3:54

So on the threat of being too easy, what’s the significance of getting a particularly a monetary plan?

Clay Stackhouse 4:01

Proper? So clearly, there’s individuals on the market who’re what you known as, you realize, do not need to speak about funds and are pondering, nicely, I haven’t got a plan. I have never had a plan. , and I’ve to fret about what I’ve to fret about now. And the state of affairs I am in. Hey, look, that is nice, too. Step one, you realize, for any plan, you bought to get with individuals you belief, proper? We need to get with a monetary group we belief. And once I say that, I am not simply speaking about is, you realize, I cope with the Guard quite a bit in my space is Florida, Alabama, Mississippi, and Louisiana. And I talked to some individuals, for example in rural Mississippi who go yeah, I do know, Jim, up at First Nationwide, I belief him. However that is not what I am speaking about. After I’m speaking about trusting a monetary establishment. I am speaking about, you realize, their their on-line capability, their safety as an establishment, proper? Are they going to cost me charges? Are they getting curiosity on my account? So once I begin individuals, speaking to individuals about that first step, Amy, about choosing any individual who you belief, you really want to get particular about the kind of establishment, you realize, you select. After which when you try this, and also you perceive what accounts to open and every part, you get a price range, you can begin that, Amy, whether or not you are sort of in bother now, or whether or not you have been doing it for a very long time. So the army does have a variety of applications and issues that you need to use when you PCS, I imply, there are superior pay issues that that is a distinct subject and one thing that you just in all probability solely need to use in extremis. However what I am saying is, there’s lots of people on the market who need to enable you. Proper? You’ve that plan to say, how vital is it to have a monetary plan? Effectively, that’s essentially vital, not only for a PCS, however for any time, I will share a fast story, if I can, what I name her the stunning and gifted, my spouse of 29 years now, I feel we after we moved every time we acquired to a location, we might get these pickle jars. And I might come residence from work and I might put change from my pocket into the pickle jar and we’d replenish the pickle jar. After which when it got here time to maneuver, we take no matter cash was within the pickle jar and go to the kids and go look, we’ve got this amount of cash to go do one thing no matter as a result of we’re transferring, which might hyperlink the transfer to one thing enjoyable. And it is attention-grabbing, as we have talked to the children, they’re they’re nearly out of highschool. Now, as we speak. And we are saying bear in mind at this level, we went to Chucky cheese. After which after this transfer, you realize we went zip lining. After which after this transfer you guys needed to go paragliding. So it is attention-grabbing how one can sort of hint the rising up, of your youngsters to the PCSes as you try this. However that was that was just a bit, a little bit trick that the stunning and gifted got here up with which you realize, we had a plan, we had some further money readily available and we had been making it enjoyable.

AB 7:02

Proper, proper. And all of it comes again to love you stated, having that plan and understanding that you’ve got sufficient cash on finish to cowl what you want, after which even have that padding to actually create these reminiscences as you are going. , we have heard the determine in one other episode that the typical unreimbursed out of pocket prices for a army transfer is about 5000 bucks. And that determine was compiled by our associates over on the Navy Household Advocacy Community MFAN by means of their survey. So meaning you want some spending money round a transfer extra for some of us, much less for others, proper? As a result of it is a median. So inform us like from an actual sensible perspective, what do you suggest individuals have of their accounts when it comes to a PCS fund?

Clay Stackhouse 7:48

Proper, so Cpl. Smith, and Lieutenant, Lieutenant Basic Jones are going to in another way, proper. However for one, we expect an 80/20. Proper? While you arrange, I talked a couple of monetary establishment of belief, I talked about opening the fitting accounts. After which when you get a price range that you just adhere to, in the event you’ve stored about 20% of your pay, and put it away into financial savings up to a degree after which beginning to spend money on and you employ 80% in your on a regular basis bills, we expect that is going to yield one thing that you are going to have the ability to fall again on. As a result of, you realize, I bear in mind arising into truly, we moved right here to Pensacola, and the home wasn’t prepared. After which impulsively, every part had to enter storage. And a few issues they did not need to put into storage. Or I might make I could not transfer a truck and I needed to pay out of pocket to maneuver a pickup truck from the Nationwide Capital Area down right here. These are issues I did not count on. So that you’re completely proper. That is one thing that goes again all the way down to that, that basic plan that folks want to think about. Immediately, truly. So if you have not, that is what I am telling everyone listening. If you have not executed that but, I imply, at Navy Federal, we might like to have you ever we’ve got we even have free monetary planners which might be that work on on wage, who will enable you together with your investments and issues like that. However essentially, you bought to get that sound plan the place you could have a little bit backup, you could have a little bit cushion. And while you’re rolling down the highway, you are going to have the ability to deal with a few of these bills that as you stated, are inevitably going to pop up.

Amy Bushatz 9:26

Proper, proper. So what I hear you saying are is have a plan, persist with the plan and get assist making the plan.

Clay Stackhouse 9:35

Yeah, and and see that, you realize, I am in all probability so I am a retired colonel with 25 years and I assumed I used to be doing issues fairly nicely and I in all probability, as reality be informed, didn’t take as a lot benefit of the assistance that was on the market for me. So attain out to your monetary establishment, monetary establishment. Attain out to the monetary planners and inform them. Since you’re proper, lots of people do not like to speak about their funds, it is embarrassing, or they did not speak about it as households. , that is okay. I truly, I wrote one thing for Navy Federal, it is, it is printed speaking about monetary fundamentals will at all times work. Good monetary fundamentals will at all times work. And it is, it is like that home, you realize, that you just, I will huff and puff and blow my home down. If it in the event you’ve acquired a very good brick, basic, monetary monetary basis in your life, then issues are going to come back simpler, and you are going to have the ability to make funding selections and issues like that. So make the most of them and do not be reluctant to succeed in out.

AB 10:46

So let’s get much more sensible as a result of I really like being sensible on the PCS with podcast. Discuss to us about, just like the steps and practicalities of creating a monetary plan round a PCS. What do individuals must be fascinated with?

Clay Stackhouse 11:03

So yeah, we maintain falling again on that monetary establishment, it is it, it actually turns into attention-grabbing to me as I speak to individuals from the Guard who do not actually notice there’s organizations on the market like Navy Federal who’re gonna be abroad with you. I imply, there is a good on-line presence that that you must cope with. However not solely that, locations like a Navy Federal has 184 branches close to army installations. I imply, we’re all far and wide abroad. And so they’re, you realize, with the ability to I bear in mind going to the Navy Federal in Rota, Spain after we had been getting back from a med float. However yeah, I feel the largest downside is individuals do not understand, Hey, I am gonna, I am gonna want some spending money right here beforehand. So in the event you simply stumble up onto the PCS and suppose, Okay, nicely, let’s go, then you are going to run into utilizing your bank card, and that is going to be powerful, proper? Spending, the cash we do not have at excessive rates of interest isn’t what we’re in search of. So when you could have that good financial savings to fall again on, and you’ve got some money, and you’ve got deliberate this out, then you may simply boop. Take it out of the debit machine or write a pleasant test, proper and get the the charge executed. And likewise, I imply, the army. We’re truly specializing in the challenges, Amy, however bear in mind, the army does sort of bend over backwards to attempt to assist. So make sure you perceive the issues that in a PCS, proper, transferring bills are tax deductible, be sure you know these issues. While you to maneuver your private items and every part. Just be sure you know any advances you will get, and you realize what receipts that you must save, and do not go into it willy nilly. I do know it sounds I maintain getting again to the identical factor, Amy, but when you do not have that strong plan, you are going to fall again on doing issues like not saving your receipts. , not profiting from all of the issues which might be on the market for you utilizing bank cards that you just’re gonna find yourself paying off at a excessive curiosity. And that is how individuals get themselves in bother. That’s what we need to keep away from.

Amy Bushatz 13:12

Proper. So I need to return actual quick to to one thing you two belongings you simply stated truly, first is about Navy Federal places. You famous that we that you’ve got nearly 200 of these dangerous boys. I bear in mind seeing one exterior the gate at Fort Campbell, Kentucky. And that made me consider the truth that hey, the phrase Navy is perhaps within the title but it surely’s not only for Navy folks. So you do not must be a sailor or perhaps a marine to make use of Navy Federal In fact, it is open to to all branches, proper and guard and reserve?

Clay Stackhouse 13:47

All branches Guard Reserve veterans and their households. That is why we exist. I imply, all day every single day. We had been known as Navy Federal as a result of we began in 1933 in DC with some Navy guys, however we’ve got since grown I imply progress is a touchstone of Navy Federal. Are you aware that we’ve got over 10 million members, we are the largest credit score union on the planet proper now. Which pulls us to ship you realize, these services and products which might be for my part a perk of army service It’s my honor truly after getting out and serving with these folks that I simply love the individuals who stated I’ll help defend the structure United States in opposition to all enemies, international and home. These are my guys and gals and once I go on the market and capable of assist them even a small factor like getting that good monetary future arrange for them. It is one thing you realize it it makes me joyful it makes me know that I am I am serving to who I take into account the nice guys I do know your husband is an infantry officer, I used to fly helicopters and I prefer to say I am executed chasing the dangerous guys and now I am serving to the nice guys and the nice guys are these army veterans that household and in Navy Federal members on the market who we simply bend over backwards every single day to attempt to assist. Yeah.

Amy Bushatz 15:05

So the second factor I need to speak about was precisely that. So, a short while in the past, you talked about having entry by means of Navy Federal to any individual who may help with that monetary plan. So I am questioning in the event you might truly speak a little bit bit extra about what somebody like that may do. So if I am a Navy Federal Credit score Union member, I choose up the cellphone, I name you guys I arrange a flare, I stroll right into a department, and I say, assist me. What occurs subsequent?

Clay Stackhouse 15:33

No, Amy, I really like the best way you I really like the best way you stated that, as a result of that is precisely proper. You are able to do it on-line, you may dial 888-842-6328, 24 hours a day, proper? In case you’re fortunate sufficient now, you stated nearly 200, these are close to army bases, we’ve got over 300 branches, you may in all probability stroll into, proper? These are methods you are able to do it. However you realize, you present that you’re eligible for membership, in the event you’re not already a member, proper? And simply begins from there in plain language, say, hey, look, I am in monetary bother, I need to speak to a monetary advisor, you can also make an appointment. And that is simply that is coated in your membership. Like I stated, our accounts yield curiosity. We have now guys like me who roam round in several areas of the nation, speaking to individuals as a result of that it is basic, you realize, they had been instructing me within the Marine Corps, we recruit the Marine, although we retain the household. As a result of if the household isn’t joyful, you realize, individuals are not going to will not be going to remain nicely, I feel we sort of really feel the identical approach at Navy Federal, I imply, we bend over backwards to make sure we’re serving to them financially and arising with that plan. And I am, I am not telling you, you realize, we’re we’re performing some loopy day buying and selling and we’re doing I am simply speaking a couple of strong monetary plan that provides you with the boldness to embark upon one thing that you just’re gonna must do like a PCS with pleasure to the place you may take your loved ones, get your little jar, your pickle jar stuffed with change, and hit the highway with the stunning and gifted like I did, you realize, and simply pull off the facet of the highway and possibly, you realize, I do not know, have some fried pickles and and cokes and have enjoyable with the household. And that is how we did.

Amy Bushatz 17:19

Yeah, Clay Do I hear that you just like pickles, as a result of that is the second time in a single assertion you talked about pickles and pickle jars. Pickle fan?

Clay Stackhouse 17:29

Maybe they play a bigger position in my life than I then I used to be conscious of.

Amy Bushatz 17:35

Let’s pull over for a break to thank our sponsor, PCs with army comm is dropped at you by Navy Federal Credit score Union, they is perhaps known as Navy Federal, however they do not completely serve sailors serving all members of the armed forces, they’ve the merchandise and assets to assist help you together with your subsequent transfer. So even if you cannot inform port from starboard, they’re going to nonetheless enable you discovered about mortgages and auto loans, Study extra at Navy Navy Federal Credit score Union, our members are the mission. An Equal Housing lender. Now, again to the present.

AB 18:17

So I really like your your optimism and your practicality. One of many issues we do right here on PCS with Navy.con that anybody who’s listened to any of the episodes now could be actually break issues down in a approach that helps individuals not make errors, or actually make one of the best of their PCS, their PCS transfer so within the spirit of that may you speak to us about possibly the largest monetary mistake you see people make round PCS in order that we are able to you realize, not try this?

Clay Stackhouse 18:51

Yeah, Amy I feel it is the bank card factor. And which which fits again to the plan. Proper when you’ve got the plan and you’ve got the essential fundamentals squared away and you’ve got some cash put away and also you perceive the entire advantages that you just get from the army, but it surely boils down any monetary plan Amy as you realize as army partner is simply not spending cash you do not have proper particularly cash you do not have a excessive rate of interest. So whereas we do have bank cards that Navy Federal and we all know that you must use credit score as a way to compile a credit score rating there is a accountable approach to do this there’s there’s issues that we we talked to you about at Navy Federal delight about the way you pay issues off however the backside line Amy is in the event you go into it and not using a plan you are going to in all probability spend cash do not have a excessive rate of interest. And that is what we need to keep away from that is what we need to enable you with.

Amy Bushatz 19:48

Proper so and that appears like you realize i i maintain I am responsible of typically retaining my bank card simply in my pocket proper identical to I go away the pockets behind solely and I carry that dangerous boy as a result of it It scans it inserts and yeah, like I do not even have to consider it proper? It is simply in my pocket. This, by the best way isn’t a very good technique. Guys do not do that as a result of it results in you dropping your bank card quite a bit, typically underneath the seat of your automobile. So

Clay Stackhouse 20:15

Amy you are able to do that with a debit card although, proper? And simply use it prefer it’s, uh, you realize, I am an previous man, however like, it is a checkbook, you realize, you may the place it comes immediately out of the account. And that is what I might recommend.

AB 20:27

Little tip for Amy. I prefer it. All proper. I see you are serving to me now, I recognize that. Effectively, so okay with that, too. However what I used to be gonna say is like, the truth that it is really easy and inconsiderate, proper? So utilizing a debit card as a substitute, as you simply stated, would, you realize, make that take the inconsiderate course of out. However once I’m PCSing once I’m transferring, you realize, inevitably I am organising my residence, I am discovering that every one the you realize, movers broke all of my glasses, we’d like glasses proper now, theoretically, I shall be reimbursed for that later. Theoretically, I’ve been given a money advance that, you realize, dislocation allowance, DLA, which is basically a money advance to pay for stuff like this. However no one’s watching the shop to ensure I did not additionally purchase 15 new canine beds or 15 new canine, proper? Positive. So I whip out my bank card, I am shopping for my glasses. And the identical factor goes for each different factor. And that stuff. Simply, I imply, it is simply plain provides up.

Clay Stackhouse 21:28

Yeah, in fact it does. And when you get down, so I will share with you I’ve twins who’re youngsters, proper. And as a youngster, we dwell down downtown right here in Pensacola. And there is a variety of festivals, particularly earlier than the pandemic, they go downtown and so they’d say, Daddy can have some money for this, daddy can have some money for that. Earlier than you realize it, I am simply bleeding money. And so we acquired them a debit card, linked to campus, checking at Navy Federal once they had been youthful, after which they’d swipe the cardboard, proper? After which we might get the assertion and I might sit down with the kids. And I would say, Effectively, you realize, what about this? What about this? What about this, it was an awesome alternative to take a seat and speak as a household. As a result of finally you are going to have to speak about funds, you are going to must wrestle down some self-discipline, identical to you probably did within the army. Proper? All of the army individuals did not simply be a part of the army, understanding how one can about face and salute and say, Sure, sir, sure, ma’am. And all that you just needed to be taught. So perceive, you are gonna have to do this and in financially as nicely. And also you’re gonna have to show your youngsters that we have made it enjoyable, proper? So once they swipe the cardboard, and it says no funds out there, they’re gonna notice why. As a result of we did not put X amount of cash into their campus checking, but it surely’s a it is a approach for us to teach them, in order that they will go on and make accountable selections.

Amy Bushatz 22:57

Oh, I really like that. That is such good recommendation. And it, it would not must be a tough dialog, proper? It simply must be a deliberate dialog goes again to our theme, proper? That you’re making that occur and that you just’re having, having these discussions together with your youngsters, I’ve opened some accounts for my for my youngsters at a neighborhood place. As a result of I needed that we do not have a Navy Federal location close to my home, and I needed them to have the ability to stroll in there and, and do their accounts. However on this theme, you realize, it is meant that they’re fascinated with how a lot cash they’ve of their account. And you realize, placing their birthday cash in it or no matter, my, my guys are a little bit bit youthful. They’re 12 and 9, so that they Yyah, so that they’re simply studying. Proper? However what’s so humorous is that I’ve discovered myself borrowing money from my youngsters, proper? Sure.

Clay Stackhouse 23:54

Amy, I will wager you they’re gonna be capable to use our on-line cell app. Higher than you or I can. It is proper there in your cellphone. , I imply, it is I get and it’s good strolling into a spot and I do know you are in Alaska. However it’s wonderful what you are able to do on-line. Effectively, this podcast, I am in Pensacola in your in Alaska, and we’re simply getting after it. So yeah, we’ve got them too.

Amy Bushatz 24:20

Yeah, completely. However you realize, they all of them have money readily available that is destined for his or her account and, and I discover myself with no money. And yeah, that I proper, okay, there’s that after which. After which I am pondering, you realize, squirreling away 5 bucks right here 5 bucks there from my, from my sons to, you realize, Hey, I will pay you again. Do you could have 5 further {dollars} you realize? Yeah, that is develop into that is develop into actual life round right here. It is nearly like I might see my future.

So there so there you go. Okay. So speak to us like we have been speaking about you talked about the accounts you could have in your youngsters, you talked about that we’ve got these app instruments that I might be utilizing for mine, and I am slacking over right here, speak to us about possibly a few of the underutilized PCS particular or not monetary instruments, individuals may identical to overlook about or just not find out about sort of like I did with the app proper now.

Clay Stackhouse 25:22

There are as as I might, and all of the individuals listening who’re sort of extra seasoned army members know as you as you come alongside, and also you you are coaching the youthful members, a variety of occasions simply that spotlight to element about how they do their job, or the way you do an inspection, or the the quantity of consideration to element that that is required to get one thing executed accurately, proper. So once I say I alluded to earlier, Hey, you bought to get an establishment you belief, proper? There, that you must actually drill down about that, what does that imply an establishment that you just belief, and it is not simply, I do know, Jimmy, who works at that financial institution, that you must have a look at what they provide, as a result of you are going to develop into a global man of thriller or girl of thriller, as you be a part of the army, as a result of, you realize, the US army is the best army within the historical past of the world. And we’re everywhere in the world. Proper? So you are going to, you are going to want that safety, you are going to want that on-line banking, you are going to want branches, you realize, in Spain, or Korea or Japan like we’ve got. So you are going to really want to drill down and perceive financially, how a corporation may help you, proper? And to do this, and you choose one, hey, give it some thought merely, proper? I’ve grabbed who it’s I need to go together with financially, you realize, I do know the fitting accounts to open, I will begin a price range, after which I will be taught to speculate. It is, it is not difficult. As you stated, Amy is simply tough to do. As a result of there’s so many, so many simple methods to spend cash you do not have or they find yourself doing issues at a excessive rate of interest, you realize, so in together with your companion, I do know, we have talked about your relationship together with your husband, me with the stunning and gifted, it must be a joint effort collectively, the household as you progress by means of this, proper, serving to each other in understanding what’s on the market and profiting from it and make a concerted effort to say, you realize what, let’s cease even for half an hour, 20 minutes, cease and make a concerted effort to speak about it for a short while, you will be stunned the outcomes that that may yield.

Amy Bushatz 27:46

Yeah. And also you talked about, you realize, we have talked fairly a bit about our children on this episode. And it happens to me, whilst you’re whilst you’re talking, simply now that so many army youngsters find yourself becoming a member of the army themselves. I imply, it is a actually sort of shockingly excessive fee that I do not know, off the highest of my head, however I bear in mind being actually stunned. Um, and I imply, you realize, sitting right here with a 9 and 12 yr previous, I can not think about that being a factor, however it’s. And so having a, you realize, having a household historical past with a particular kind of economic establishment that then does have these concerns after which might be handed to your youngsters select an instance as one thing to make use of, possibly they even have already got accounts arrange for them, like we simply learn earlier. It is simply, I imply, it simply units everyone up for achievement.

Clay Stackhouse 28:39

And Amy, do not suppose for a second I’ve, you realize, I am realizing there’s lots of people listening who’re possibly on their first tour, possibly about to you realize, they’re single about to embark upon their first PCS. And I would say to them, Look, this could be a fairly, this could be a fairly easy evolution, you realize, you could have the the flexibility to do a DITY transfer, which I did once I was first within the army, simply sort of put every part in a u haul, and transfer it your self and you’ll go from barracks to barracks or ship to ship eat within the chow corridor. That’s what I preach with these, you realize, like junior enlisted, who I simply graduated from highschool and now right here I’m within the army. Make your life fairly. A variety of the distractions you had beforehand. I imply, give it some thought an Amy you could have your medical your dental paid for proper in the event you can have your lodging paid for uniforms issued to you, proper? You’ll be able to eat Within the chow corridor, which I really like chow corridor meals and it will get higher and higher every single day have some I am an previous fleet Marine, however particularly my goodness, a few of the meals on the Navy ships. I will let you know what, shout out a few of these Navy chiefs now to place collectively some chili Mac, I will let you know however yeah, so I am not. You are proper. You and I each have households and there is, you realize, it does are likely to get a little bit extra advanced. However, you realize, for these guys and gals who’re simply now doing their first PCS, or on their first tour, look, come on over. We have now a variety of assist for you all, too. And I need to ensure that they know that.

Amy Bushatz 30:15

Yeah, yeah. Thanks for that. So stroll us out. Now with a couple of. Identical to, like we stated, We might love sensible right here. So simply actually sensible ideas for getting by means of a PCS with our wallets and our sanity intact. Yeah, simply give us some issues that folk can do. Proper. This scorching second.

Clay Stackhouse 30:34

Positive. By the numbers. Navy, proper.

Amy Bushatz 30:37

Yeah. Give it even when possibly they’re like listening to this whereas they’re already on the highway, as a result of that is the factor, proper? Hearken to a podcast whilst you’re driving. So give us simply stroll us out with some sensible ideas.

Clay Stackhouse 30:48

Okay. Yeah, I would say clearly, in the event that they’re on the highway, now, it is, it is, when you get to your stopping level, get to a plan. So no matter level you are in, you want a plan. Proper? So first off, I would say, let’s have a plan for doing this proper to truthfully. And I do know you perceive this, Amy, do it with pleasure. I imply, no, they name it the service. Do one thing to make it enjoyable, as you realize, Mr. pickle jar man. And which may be that made me humorous, but it surely was a approach we we made it. joyous, proper? After which three, and you are able to do this I do not know, is it 90 days? I do not quote me. However up till after the transfer, guarantee you realize, all of the issues which might be on the market so that you can make the most of. All proper. In order that plan that it is by no means too late to get to, two do it with pleasure, like hopefully, you are doing every part within the army, you realize, after which three, guarantee there’s quite a bit that the army does quite a bit to attempt to reimburse you to ensure however but when you do not have the receipts, proper, and also you did not put in for the fitting issues that will get again to that plan stuff, it’ll be tougher. So I would say plan, pleasure, advantages. How’s that?

Amy Bushatz 32:03

Yeah. Oh, so good. It is good Clay. That is how it’s?

Clay Stackhouse 32:08

Effectively, good.

Amy Bushatz 32:10

Yeah, I am joyful too and hopefully, our, hopefully our listeners are simply strolling away from this understanding that, you realize, it, funds can appear a little bit bit daunting, they could be a little bit scary. However there’s of us out right here with the experience and the instruments actually, that can assist you make it much less scary, much less daunting, and you realize, even fulfilling and in a variety of methods. So thanks a lot for providing that to us. Thanks a lot for being on PCS with at the moment, we recognize you.

Clay Stackhouse 32:38

Thanks, Amy.

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