🎙️ Episode Summary

In this episode, Rob and Omen welcome Heather Walrath to the foxhole. Heather shares her expertise on VA benefits and disability claims along with other valuable VA benefits. In the news segment, Rob and Omen discuss recent headlines about gold and precious metals, their role in investment portfolios, and how market hype can influence investor behavior.

🗝️ Key Topics Covered

• Gold & Precious Metals:
  • Recent volatility in gold prices and what it means for investors.
  • The importance of low correlation assets in a diversified portfolio.
  • Why emotional investing can derail your financial plan.
• VA Benefits & Disability:
  • Heather’s background and credentials.
  • How to get started with VA benefits.
  • Navigating the VA system and avoiding scams.
  • The value of working with accredited experts.
• Personal Stories:
  • Rob and Omen’s marathon training and running anecdotes.
  • Reflections on podcasting, editing, and the value of sharing financial education.

💡 Main Takeaways

1. Market Hype vs. Fundamentals: Emotion-fueled rallies can turn quickly. Gold’s fundamentals are strong, but corrections happen when sentiment overshoots reality.
2. Getting Started with VA Benefits: Begin early and stay organized. Use va.gov and veteran service organizations to guide you through eligibility and paperwork.
3. Navigating the VA Maze: Work with trusted, accredited experts to avoid scams and get the benefits you deserve.

Links

If you enjoyed this episode, please leave us a review, share it with a friend, and subscribe to The Fiscal Foxhole. Questions for the show? Email us at fiscalfoxhole@gmail.com. Interested in financial planning? Rob Moore and Omen Quavo are accepting new clients.

• Schedule a free consultation with Rob at Everman Prosperity
• Schedule a free consultation with Omen Formermynder Wealth Management:
• Connect with Heather Walrath

Disclaimer: Rob Moore and Omen Quelvog are registered investment advisor representatives. This podcast is for educational and entertainment purposes only. Nothing you hear should be taken as specific investment, legal, or tax advice. Please consult a qualified professional for guidance tailored to your situation.

🎙️ Episode Summary

In this episode, Omen and Rob bust the top five myths about transitioning out of the military. Drawing from personal experience and real conversations in military financial circles, they break down common misconceptions, share practical advice, and offer candid stories about life after service. The episode also features a headline segment on new legislation affecting 401(k) investments, a trivia challenge, and practical takeaways for listeners preparing for their own transition.

🗝️ Key Topics & Segments

• Headline News: New bill codifies Trump’s executive order on alternative investments in 401(k)s, opening the door to private equity, real estate, and crypto. Omen and Rob discuss what this means for retirement plans and why caution is needed.

✅Myths About Leaving the Military (from Episode 6)

• VGLI is a ripoff
• Military discipline guarantees civilian success
• SBP (Survivor Benefit Plan) is a bad deal compared to buying term insurance and investing the difference
• You cannot touch your TSP until age 59½
• The military handles your retirement for you
• Filing a BDD (Benefits Delivery at Discharge) claim guarantees a rating prior to separation and immediate payments
• VA benefits are only available to those who retire from the military
• I’ll get 100% VA disability because my buddy did
• I’ll go to college right after separation
• I’ll cash out my TSP to start a business or buy a home as soon as I separate
• Buying a house using your VA disability rating is easy right after separation
• I can keep my current state residence and tax situation when I retire

💡 Practical Takeaways

1. Don’t solve problems that don’t exist: Avoid investments you don’t understand; keep it simple and seek help when needed.
2. Treat your transition like a mission: Prep early, recon your options, and don’t go AWOL on your future.
3. You’re the CEO of your next mission: Civilian life comes with choices—make them count.

🏅 Host Highlights

• Oman celebrates earning his CFP® designation after years of hard work.
• Rob shares insights from his recent retirement ceremony and the importance of family seeing both sides of military life.

If you enjoyed this episode, please subscribe, write a review, and share The Fiscal Foxhole with a friend! Your support helps us reach more listeners and continue bringing practical financial advice to the military community.

Connect & Learn More:

• Schedule a free consultation with Rob at Everman Prosperity
• Schedule a free consultation with Omen Formermynder Wealth Management:

Disclaimer:Everman Prosperity, LLC and Former Wealth Management, LLC are registered investment advisors in the Commonwealth of Virginia. This podcast is for informational purposes only and does not constitute investment advice or a solicitation to buy or sell securities. All investing involves risk, including the potential loss of principal. Please consult a qualified financial professional before making any investment decisions.

🎙️ Episode Summary

Rob and Omen tackle one of the most debated questions for military families and frequent movers: Should you buy or rent your next home? Drawing on years of PCS experience, personal stories, and client case studies, they break down the pros and cons of each option, share practical tips for open enrollment season, and remind listeners that the “right” answer is the one that fits your life, not just your spreadsheet.

📰 This Week’s Headline

Open Enrollment for Military & Federal Benefits: The hosts highlight two timely articles from Military.com about open enrollment for FedVIP (dental/vision) and TRICARE health insurance. They explain who qualifies, why it matters, and how to use open enrollment and qualifying life events to optimize your coverage. Plus, a deep dive into the new Flexible Spending Account (FSA) options for active duty and retirees—including tips for maximizing healthcare and dependent care savings.

💡 Key Topics & Takeaways

• Buying a Home: Pros & Cons
  • Build equity and net worth with every mortgage payment
  • Stability, control, and the emotional value of “home”
• Renting a Home: Pros & Cons
  • Ultimate flexibility for PCS moves and changing plans
  • No maintenance worries, predictable costs, and lower monthly payments
• Military-Specific Insights
  • How BAH (Basic Allowance for Housing) factors into buy vs. rent decisions
  • The impact of short assignment windows and market timing
• FSA Tips
  • How to use healthcare and dependent care FSAs to save on taxes
  • Contribution limits, rollover rules, and qualifying expenses for military families

🏡 Off Duty

Rob and Omen share updates on family life, terminal leave, and the bittersweet experience of closing out a military career. Rob reflects on his last mission at Arlington National Cemetery and the emotional transition to civilian life, while Omen celebrates having his son home from Kirtland AFB.

📚 Resources & Links

• FedVIP Benefits Eligibility Tool
• FEDVIP Open Season for Military and Retiree Health Insurance | Military.com
• Everything You Need to Know About Tricare Open Enrollment | Military.com
• FSAFEDS
• Connect with Rob
• Connect with Omen

📬 Get In Touch

Have questions or want your topic featured on the show? Email: fiscalfoxhole@gmail.com Rob and Omen are accepting new clients and happy to chat about your financial game plan.