Fiscal Foxhole – Episode 1: “Debt vs. Savings – What Should You Do With Extra Cash?”

Hosts: Omen Quelvog & Rob Moore

Release Date: October 22nd, 2025

🎙️ Episode Summary

Welcome to the inaugural episode of Fiscal Foxhole! Hosts Omen Quelvog and Rob Moore kick off the series by tackling one of the most common (and complicated) financial questions: “If you suddenly come into extra money, should you pay down debt or pile up cash?”

They break down the pros and cons of each approach, share personal stories from military life, and offer practical advice for finding the right balance—especially for service members and their families.

💡 Key Topics & Takeaways

• Debt vs. Savings:
  • Why paying off high-interest debt is often a guaranteed “win.”
  • The psychological and behavioral side of debt aversion.
• Emergency Funds:
  • Why every household (military or civilian) needs a liquid emergency fund.
  • How much is enough? The “three to six months” rule explained.
• Balanced Approach:
  • Why going “all in” on either debt or savings can backfire.
  • How to split extra cash between mini-emergency funds and debt payoff.
• Military-Specific Tips:
  • TSP matching and maximizing contributions (especially in combat zones).
  • The Savings Deposit Program and other unique opportunities for service members.
• Behavioral Finance:
  • Recognizing spending habits and cash flow problems.
  • The importance of open conversations with partners about money.

📚 Resources & Links

• The stock market finally has what it wants — and is now asking 'now what?' - Hamza Shaban
• How to Maximize TSP Contributions in a Combat Zone – Doug Norman, Military Wallet
• Snowball vs. Avalanche Debt Calculator – Rob Moore
• Book a Consultation with Rob Moore
• Book a Consultation with Omen Quelvog

📬 Get In Touch

Have questions or want your topic featured on the show? Email: fiscalfoxhole@gmail.com

Both Rob and Omen are accepting new clients and happy to chat about your financial game plan.

Thanks for joining us in the financial trenches! Subscribe, share, and stay tuned for Episode 2.