Hosts: Rob Moore & Omen Quelvog

Theme: Valentine’s Day edition — the money conversations couples need to have (but often avoid)

Episode Overview

Money is rarely just about math. More often, it represents security, freedom, control, or peace of mind—and when couples don’t talk about those meanings, friction quietly builds.

In this Valentine’s Day–themed episode of The Fiscal Foxhole, Rob and Omen move past budgets and spreadsheets to focus on the deeper financial conversations that shape healthy relationships. Drawing from personal experiences, client conversations, and plenty of foxhole banter, they walk through ten powerful discussion points designed to help couples understand each other’s financial wiring and align on the future.

This isn’t about being “right” with money. It’s about being aligned.

❤️ Key Topics

Foundational Conversations

• What money looked like growing up—and how that shapes behavior today
• What money represents (security, freedom, opportunity, control)
• Saver vs. spender dynamics and why neither is “wrong”
• How each partner emotionally and strategically views debt
• What “normal spending” actually feels like

Goals & Values

• What are you actually working toward with your money?
• If you had to give away $1 million, who would get it—and why?
• If money weren’t a barrier, what would you do or buy first?
• How clarity around goals reduces resentment and conflict

Self‑Awareness

• What you’re good at with money
• What needs improvement
• Why self‑reflection matters more than criticizing your partner

📰 Headline of the Day

“I Used AI to Buy a Car—Here’s Where It Works and Where It Doesn’t” (Investopedia)

A discussion on using AI as a co‑pilot in car buying—great for research, pricing, and pressure‑management scripts, but not a replacement for judgment or personal context.

🏛️ This Day in History

February 14, 1778 — The French Navy salutes the USS Ranger under John Paul Jones, marking the first foreign recognition of the U.S. flag.

✅ Practical Takeaways

• Most financial conflict starts with unspoken assumptions, not bad math
• Money conversations are about meaning, not just mechanics
• Transparency matters more than whether finances are joint or separate
• Shared goals make saving and spending decisions easier
• Alignment beats perfection every time

📬 Stay Connected

Questions for the show? 📧 fiscalfoxhole@gmail.com

Book a meeting with Omen

Booke a meeting with Rob

If this episode resonated, share it with a friend or fellow service member, and don’t forget to subscribe, follow, and leave a review.

⚠️ Disclaimer

This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but they are not your advisors. Please consult a qualified professional before making financial decisions.

🎙️ Episode 20: Over/Under Your Wallet

Hosts: Omen Quelvog & Rob Moore

February 4th, 2026

⚠️ Gambling Help & Support Resources (Please Read First)

If you or someone you care about may be struggling with gambling, confidential help is available right now:

• National Problem Gambling Helpline (US): 1‑800‑GAMBLER (1‑800‑426‑2537)
• Text or Chat: https://www.1800gambler.net
• Military OneSource: https://www.militaryonesource.mil (free, confidential counseling)
• TRICARE / Military Treatment Facility: Ask your provider about behavioral health support
• Chaplain Services: Confidential support for service members and families

🎙️ Episode Overview

In this episode of The Fiscal Foxhole, Omen and Rob tackle a difficult but timely topic: the normalization of gambling in everyday life, especially as we approach the Super Bowl, March Madness, and other major sporting events.

What used to require travel, cash, and public visibility is now instant, private, and always in your pocket. The hosts explore how that loss of friction has real consequences—not just financially, but emotionally, relationally, and professionally—particularly for military families.

Along the way, they connect gambling behavior to rising credit card debt, stress, financial secrecy, and the very human tendency to believe “this time it’s different.”

🧠 Key Topics Discussed

💳 Credit Card Debt in America

• Americans now carry $1.21 trillion in credit card debt, with 73% reportedly tied to “essentials.”
• Why labeling debt as “mandatory spending” can sometimes hide visibility and budgeting issues.

🎰 Gambling Has Changed (and That’s the Problem)

• Gambling didn’t get more dangerous—the barriers disappeared.
• Sports betting apps remove friction, privacy checks, and social visibility.
• Gambling is now marketed as “prediction markets” and financial products.

🧠 Addiction, Dopamine, and Personality

• Recognizing how gambling feels when it’s healthy vs. when it’s not.
• Warning signs: anger, chasing losses, secrecy, and emotional swings.
• Why knowing who you are matters more than knowing the odds.

✅ Practical Takeaways

• If gambling fits in your budget, you must also be okay losing 100% of it.
• Do it in the open—secrecy is a major warning sign.
• Freedom isn’t doing whatever we want—it’s doing what we ought to do to protect our future.

📣 Sponsor

This episode is brought to you by the Military Financial Advisors Association (MFAA)—a global network of independent, fee‑only fiduciary advisors who specialize in serving military families.

Learn more at https://militaryfinancialadvisors.org

📬 Stay Connected

Have a question or topic you’d like covered on the show?

• Email us: fiscalfoxhole@gmail.com
• Book a meeting with Omen
• Book a meeting with Rob

Guest: Lacey Langford, Host of the Milmo Show®

📌 Episode Summary

In today’s packed episode, Rob and Omen crawl back into the foxhole to tackle one of the most misunderstood financial tools in the military community: credit. And they brought reinforcements.

Joining them in the foxhole is Lacey Langford — Air Force veteran, financial counselor, host of The MILMO Show, and founder of MilMoneyCon. Lacey brings honest, practical, and much‑needed wisdom about how service members can avoid the traps of credit misuse and instead build credit on their terms.

🏡 Headline of the Week:

“Is Home Equity Fake Wealth?” — by Nick Magguilli

Rob and Omen unpack why skyrocketing home prices don’t automatically translate into real purchasing power. Key points discussed:

🎙️ Interview with Lacey Langford

🔥 Part 1: The Dark Side of Credit

Lacey recounts real‑world issues she’s seen repeatedly in the military community. Her biggest message:

“Whatever you’re dealing with — it is fixable. But you have to show up.”

📘 Part 2: Buy Now, Pay Later — Lacey's “Hard Nope”

When Omen mentions Klarna and Afterpay, Lacey’s blood pressure visibly spikes. Her verdict:

“BNPL is just a payday loan wearing makeup.”

💡 Part 3: The Good Side of Credit

Credit can help if used the right way. She also warns about the “credit card rewards hype machine,” especially in military circles.

🪖 Part 4: What Leaders Should Watch For

Leaders can catch issues early by noticing:

• Eating every meal out
• Skipping meals

Her advice to leaders:

• Address issues through education, not embarrassment
• Normalize your own financial mistakes

🌟 Parting Wisdom: “Do It Scared.”

Lacey leaves listeners with a message worth framing:

“If you’re scared of money, scared of asking for help, or scared of facing your credit — do it scared. Each rep gets easier.”

📚 Resources Mentioned

• The MILMO Show: Home - MILMO
• Military Financial Advisors Association (MFAA): Your Home Base for Genuine Financial Advice - Military Financial Advisors Association
• MilMoneyCon Conference: Home - MilMoneyCon

📝 Key Takeaways

1️⃣ If everything rises, nothing rises.

2️⃣ Credit trouble starts with convenience, not carelessness.

3️⃣ Buy Now Pay Later turns choices into obligations.

📧 Feedback & Questions

Have thoughts on today’s episode? Email us at FiscalFoxhole@gmail.com

Book a meeting with Omen

Book a meeting with Rob

Episode 18: Making Goals Work Even When Orders Change

Hosts: Rob Moore & Omen Quelvog

🔧 Episode Summary

In this episode, Rob and Omen dig into why most New Year’s resolutions fall apart by “Quitter’s Day,” how motivation is a terrible long‑term strategy, and why boring, repeatable systems are the real recipe for success.

The guys also recap an intense wildcard football weekend, react to a listener’s comment on student loans, and break down a headline about government employees and Roth conversions heading into 2026.

A “Day in History” segment explores the execution of King Louis XVI and its surprising connection to U.S. independence. Then, they move into the core discussion on goal setting, behavioral systems, leading/lagging indicators, and identity‑based habits.

As always, the show wraps with the Trivia Challenge—this one involving gym memberships and New Year’s resolutions.

🎯 Opening Banter

• Running motivation and “the boring parts” of self‑improvement
• Social media engagement—student loan reactions
• Wildcard playoff weekend recap
• Why Rob’s wife warned him not to post a controversial clip
• Church sermon series on money & its surprising alignment with wise financial principles

📰 This Week’s Headline

Why Government Employees Should Think Carefully About Roth Conversions Before 2026

🏆 Main Topic: Why Goals Fail — and How to Make Them Work

The Motivation Problem

Why Most Goals Break

🔺 The FOXHOLE Method: O.P.S.

1. Objective – What problem are you really solving?
2. Process – Build a system that runs without motivation
3. Sustainment – Can you maintain it for 12 months?

Start Small (Really Small)

Turn Goals Into Systems

Tracking Progress

Leading Indicators (early warnings):

Lagging Indicators (problems already here):

Identity‑Based Goal Setting

📌 Key Takeaways

1. Roth conversions aren’t magic—especially for high‑earning government workers nearing retirement. Plan carefully.
2. Systems beat motivation—every time. Automate small steps and anchor them into your real life.
3. Success is boring on purpose. Sustainable habits look like slow, unsexy steps repeated long enough to matter.

CONNECT

• Book a meeting with Omen
• Book a meeting with Rob
• Dinkytown calculators
• Rob’s article “The Least You Can Do”

📬 Have a Question?

Email us at fiscalfoxhole@gmail.com and we may feature your question in an upcoming episode.

Should You Stay Past 20? Military Retirement, Career Choices & Market Lessons with guest Brandon Lovingier

🎙️ Hosts

• Rob Moore
• Omen Quelvog

Episode Summary

In this episode, Rob and Omen kick off the new year with reflections on career decisions, market lessons from 2025, and a deep dive into military retirement choices. They welcome back their first-ever guest, Brandon Lovingier, for a candid conversation about the decision to stay in the military past 20 years—and what really matters when making big life changes.

Featured Guest

• Brandon Lovingier (EnlistedMoney.com)
  • Army Veteran/financial educator

Topics Covered

• New Year’s Resolutions & Quitter’s Day: How to stick with goals and why January 9th matters
• US Independence & History: Fun fact—Continental Congress ratified the Treaty of Paris on January 14, 1784
• Market Review 2025:
  • Tariffs, volatility, and surprising returns
  • Why staying invested beats market timing
  • Sector highlights: Tech & Communications
  • The Callan Periodic Table and asset class rotation
• Military Retirement Decisions:
  • Should you stay past 20 years?
  • Financial vs. personal factors
  • The value of knowing your expenses
  • Building a “retirement to” career, not just retiring from one
  • Family conversations and impact
  • The reality of promotions, pensions, and career flexibility
• Trivia Challenge:
  • MRE favorites—Chili Mac wins!
  • Fun stories from military life

Key Takeaways

1. Past performance isn’t a predictor: Markets rarely follow forecasts; staying invested matters more than timing.
2. Career flexibility vs. financial upside: Promotions and extra years often offer less benefit than expected; retiring sooner can create more options.
3. Values first: Decisions about staying in or getting out should start with your values, purpose, and family—not just money.

CONNECT!

• Brandon Lovingier: EnlistedMoney.com
• Military Financial Advisors Association: https://militaryfinancialadvisors.org
• Book a meeting with Omen
• Book a meeting with Rob
• Email questions to: fiscalfoxhole@gmail.com

Disclaimer

This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but are not your advisors. Consult a qualified professional for advice tailored to your situation.

Hosts: Omen Quelvog & Rob Moore Release Date: January 7 2026

• Student Loan Crisis:
  • Wage garnishment for federal student loans resumes in January
  • What “default” means (270+ days behind) and how to avoid it
  • Actionable steps for borrowers in trouble:
    1. Seek help—reach out to financial counselors, advisors, or trusted professionals
    2. Update your contact info with loan servicers
    3. Apply for income-driven repayment plans
    4. Consider consolidation
    5. Explore disability discharge options for veterans (tax-free for 100% P&T VA ratings)
    6. Last resort: loan rehab/consolidation
• New Year, New Limits:
  • Deep dive into the latest IRS contribution limits for 2026:
    1. 401(k), 403(b), TSP, 457(b), and IRA updates
    2. Special catch-up rules for ages 50+ and the “super catch-up” for ages 60–63
    3. Roth catch-up requirements for high earners ($150,000+ FICA wages)
    4. Annual additions limit ($72,000) and how it aggregates across multiple plans
• Military & Financial Planning:
  • PSLF for military service and how Army forgiveness differs (taxable vs. non-taxable)
  • Strategies for maximizing workplace and IRA contributions when juggling multiple plans
• Order of Operations:
  • How to prioritize workplace plans vs. IRAs
  • Spousal IRA eligibility and maximizing family contributions
  • Avoiding over-contributions and understanding “true-up” provisions
• Trivia Challenge:
  • What percentage of U.S. civilian workers with access to a workplace retirement plan actually participate?
• Off-Duty Segment:
  • Reflections on military leave, business refreshes, and favorite movies (including “Nobody 2” and Netflix’s “Elway” documentary)

💡 Practical Takeaways

1. Student loan wage garnishment is back—take action now if you’re at risk.
2. Know your contribution limits and plan aggregation rules to avoid penalties and maximize employer matches.
3. Plan your contributions and taxes deliberately—don’t “wing it” and risk costly mistakes.

📝 Resources & Links

• Forbes: Wage Garnishment for Student Loans Starts in January
• Military Financial Advisors Association
• Savings Cascade Article
• Book a meeting with Rob Moore
• Book a meeting with Omen Quelvog

⚠️ Disclaimer

This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but are not your advisors. Consult a qualified professional for advice tailored to your situation.

Episode 15 - New Years Predictions!

Episode Title: New Year’s Predictions & Financial Twists for 2026 Hosts: Omen Quelvog & Rob Moore

Episode Overview

Cheers and Happy New Year from the Fiscal Foxhole! In this special New Year’s Eve episode, Omen and Rob kick off 2026 with a lively round of predictions, financial headlines, and a friendly competition—pitting their own forecasts against those of an AI chatbot. From mortgage rates and Super Bowl picks to the fate of Bitcoin and Taylor Swift’s relationship, this episode blends financial insight with fun, banter, and a look ahead at what might shape the coming year.

Key Segments

Opening Banter & Reflections

• Hosts share personal New Year’s stories, including family traditions and memorable moments.
• Reflections on the past year’s growth, both for the podcast and personally.

Headlines of the Week

• Mortgage Rates: Discussion of stagnant rates, the likelihood of returning to 6%, and the factors influencing borrowing costs.
• Military Pay & Benefits: NDAA passes with a 3.8% pay raise for troops; BAH rates see a 4.2% nationwide bump.

2026 Predictions Competition

• Format: Omen, Rob, and an AI chatbot each make predictions on a series of questions, with plans to revisit results next year.
• Sample Questions:
  • How many times will President Trump say “tremendous”?
  • Who wins the Super Bowl?
  • Will the Fed cut rates more than it hikes?
  • Will the US experience a technical recession?
  • How many days will the government be shut down?
  • Will Bitcoin break $125K and $50K in the same year?
  • What’s the risky investment fad of 2026?
  • Speed round: Mortgage rates, OpenAI vs. Microsoft revenue, military pay raise, home prices, and the Taylor Swift/Travis Kelce relationship.

Key Takeaways

• The real risk in home buying isn’t the rate—it’s delaying a decision that fits your life.
• Predictions are fun but highlight how much is outside our control; sound planning is about preparation, not guessing.
• Markets don’t care about your predictions, but it’s still worth thinking ahead.

Listener Engagement

• Questions: Send your questions to fiscalfoxhole@gmail.com for a chance to be featured on the show.
• Work With Us:
  • Connect with Omen
  • Connect with Rob

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.

The Fiscal Foxhole – Episode 14: QA Foxhole Christmas Story

Hosts: Rob Moore Omen Quelvog

Episode Summary

It’s Christmas Eve in the foxhole! Rob and Omen swap stories about military Christmases, family traditions, and the memories that matter most. From NORAD tracking Santa to ugly sweaters and spiked cocoa, this episode is all about the experiences that make the holidays special—whether you’re deployed, at home, or somewhere in between.

Highlights & Segments

• Festive Foxhole Vibes: The foxhole is decked out with lights, snow, and questionable operational security. Ugly Christmas sweaters and holiday mugs make their annual appearance.
• NORAD Tracks Santa: The hosts share the story behind NORAD’s Santa Tracker, its military roots, and why it’s one of the DOD’s biggest community outreach efforts. Show note link: NORAD Santa Tracker
• Favorite Christmas Memories:
  • Breaking the holiday travel rotation and starting new family traditions
  • Scavenger hunt for a drum set
  • Christmas morning cassette recordings
  • Deployed Christmas in Afghanistan
  • Christmas in NYC and England
  • Smoky Mountains cabin Christmas
  • The magic of Christmas with a newborn
• Best & Worst Gifts:
  • Tractor, Nintendo, and the elusive wristwatch walkie-talkies
  • When the best gift turns into the worst (Nintendo heartbreak stories)
• Trivia Time:
  • How many homes does Santa visit on Christmas Eve?
  • The answer may surprise you—and involves billions of cookies.
• Football & Bowl Season:
  • NFL and college football talk, retirement gifts, and team allegiances

Practical Takeaways

1. Traditions Matter: The best Christmas memories aren’t about money—they’re about showing up and making moments.
2. Every Season is Different: There’s no single “right way” to do the holidays. Each year brings its own “best Christmas ever.”
3. Let Good Judgment Take the Holidays Off: Sweater and drink choices prove it’s okay to have fun and be a little silly.

Connect & Share

• Contact the Hosts: Email: fiscalfoxhole@gmail.com
• Reach out to connect with Omen
• Reach out to connect with Rob
• Follow on Social Media:
  • Rob: @evermanprosperity
  • Omrn: @formerwealthmanagement
• Military Financial Advisors Association (MFAA): militaryfinancialadvisors.org

Legal Disclaimer

This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but they are not your advisors. Please consult a qualified professional for advice tailored to your situation.