Military Retirement Podcast

• #114 - The Debt-Free Life: Financial Freedom, Smart Investing, and 50+ Military Side Hustles

  In a world of economic uncertainty, achieving financial freedom is more critical than ever. This week, John and Vic share candid lessons from their personal journeys toward becoming debt-free, offering practical, actionable advice on how service members and veterans can secure their financial futures.We cover everything from budgeting with your spouse to the power of a single thrift store find.Key Actionable Takeaways:The Debt-Free Foundation: Vic details the strategy of combining finances with your spouse to accelerate savings and maximize investments, making debt elimination the top priority.Maximize Your TSP: The non-negotiable power of starting early and consistently maximizing your Thrift Savings Plan (TSP) contributions to leverage compound interest.The Financial Audit: How to treat your personal finances like a military inspection. Hunt down and eliminate wasteful recurring charges and streaming services that drain your budget every month.50+ Military Side Hustles: We provide a comprehensive list of vetted side hustles, categorized by effort, including: Flipping high-value thrift finds (like Vic's $800 soccer ball flip), lucrative heat pressing/vinyl businesses on base, freelance graphic design, youth sports refereeing, and real estate investing.Mindset for Success: John discusses the importance of having a beginner's humility (like a student) in all areas of life for continuous growth.Final Tip: Spend your money on experiences, not stuff.#veteransupport #veteranshelpingveterans #militarytocivilian #debtfreeIf you would like to start your own livestream or podcast, go check out 🎙️ StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4998128083271680

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• #113 - American-Grown Coffee & Veteran Farming: How T Shane Johnson Built a Business with His Daughter

  John and Vic welcome former Marine T Shane Johnson, co-owner of Big Guns Coffee, for an extraordinary conversation that blends entrepreneurship, extreme physical challenge, and the power of family purpose.Shane shares the incredible story of building the first indoor hydroponic coffee farm in the U.S. with his daughter, Charlie, and how he leverages his experiences—including a near-death incident and multiple world record runs—to serve the veteran community.Key Topics and Takeaways:Building Big Guns Coffee: Shane shares how a conversation with his daughter led to building an American-grown and American-made coffee company focused on supporting veterans and revitalizing rural American farming communities [13:18].The Power of the Marine Mindset: Shane discusses how the core Marine lesson of never quitting provides an unmatched competitive advantage in the civilian and business world [27:52].From Death to Dedication: Shane opens up about a nearly fatal incident early in his career where he flatlined three times. He describes the profound choice to live—and the commitment to paying "rent" for his second chance through continuous service to others [33:46].Father-Daughter Leadership: Learn Shane's unique philosophy on raising his daughter as his business co-owner, teaching her confidence, business acumen, and public speaking by allowing her to pitch big-box retailers [18:03], [30:16].World Records and Service: Shane details his incredible physical feats, including running across America four times and breaking the 12-hour push-up world record, all done to raise awareness and funds for veteran and homeless causes [49:14], [53:30].Entrepreneurship and the Veteran Gap: Shane passionately addresses the need for better funding and mentorship for veteran entrepreneurs, arguing that their proven track record of managing high-stakes missions makes them a guaranteed investment [24:31], [01:07:08].Mentioned Resources & Updates:Big Guns Coffee: Find their American-grown coffee, including the "Motivator" and "Charlie" blends, in Sprouts stores nationwide starting May 2025: https://www.bigguns.coffee/ [01:29:40]Frontline to Farm Program: A program at Appalachian State that helps veterans learn agricultural skills, which Shane is using to train future coffee farmers [58:57].Coursera Certification: Veterans and Active Duty can get free, valuable certifications (like Google Analytics or IT Support) through organizations like the USO or VTS (Veterans Transition Services) [09:20].Veteran Honors Ceremony: Vic shares information on a plaque dedication ceremony for Medal of Honor recipient Gunner Sergeant John Basilone in La Jolla, CA, on February 19th [01:33:11].#VeteransHelpingVeterans #MilitaryToCivilian #MilitaryCoffee---------If you would like to start your own livestream or podcast, go check out 🎙️ StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4998128083271680

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• #112 The Ultimate Veteran Knowledge Base: VA Loans, Benefits & Finding Focus After Service

  John and Vic dive into a mix of crucial veteran updates and welcome former Marine Jeremy Dukes for an in-depth discussion on VA Home Loans, the real estate market, and the power of military skills in a civilian career.This episode provides valuable resources for veterans seeking to buy a home, advance their careers, or navigate their full range of benefits.Key Topics and Takeaways:The Ultimate Veteran Resource: We highlight a fantastic, free, community-built veteran benefits knowledge base (from the Reddit community) that acts as a comprehensive, searchable repository for VA claims, the 38 CFR, and federal/state benefits [06:28].From Marine to Realtor: Jeremy Dukes shares his personal journey from active duty Marine to a successful realtor in the highly competitive Dallas/Fort Worth market. He discusses finding a new sense of purpose and the unique skills veterans bring to the real estate industry [18:03].Mastering the VA Home Loan: Understand the incredible power of your VA loan benefit, including the 100% guarantee, no PMI, and the protection offered by VA-certified inspectors [31:55].VA Loan Limitations and Strategy: Jeremy clarifies the rules around using your VA loan for multiple properties and what you need to consider before using your benefit again (hint: it depends on your primary residence) [33:30].Credit Score and Debt-to-Income: Get insight into the minimum credit score requirements (typically mid-600s) and how state and city-level grants can help veterans overcome down payment or credit hurdles [37:42], [38:33].Military-to-Civilian Transition & Networking: We discuss the importance of finding a new Focus after service and using platforms like LinkedIn and community groups to build a powerful network and find your next opportunity [58:35], [01:12:44].Veteran Homelessness Initiative: Vic shares information on a reported initiative in Denver that claims to have housed over 100 veterans, sparking a discussion on replicating effective local programs [01:21:20].

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• #111 - Protect Your Vision: Eye Health, TBI Recovery, and the 20-20-20 Rule with Dr. Frank Forgnoni

  John and Vic are joined by special guest Dr. Frank Forgnoni, an experienced Optometrist and Army LTC Reservist, for a critical discussion on preventative health—specifically, eye and vision care for veterans and their families.Dr. Forgnoni shares his decades of expertise, breaking down common vision myths, explaining the importance of early intervention, and discussing specialized treatments for service members.In this episode, we cover:The Power of Preventative Vision Care: Dr. Forgnoni explains his motto, "Better Vision for Better Living," and highlights the importance of regular eye exams, discussing topics like vision therapy and light therapy [19:15].Vision and Traumatic Brain Injury (TBI): Learn how blast injuries and other trauma can disrupt vision pathways and why vision therapy is a key part of the recovery team for many service members [22:08].Digital Eye Strain & The 20-20-20 Rule: With everyone spending more time on devices, get actionable tips—like taking a 20-second break every 20 minutes to look 20 feet away—to reduce eye strain and prolong vision health [24:03]. We also discuss the use of blue light blockers and their proper timing [34:39].Presbyopia and Aging Vision: Understand why vision changes around the age of 40 and the difference between various lens options like progressives and multifocals, as well as what to look for in lens quality [25:04].VA and Surgery Coverage: Dr. Forgnoni addresses audience questions about whether the VA covers eye surgery (like LASIK/refractive surgery vs. medically necessary procedures) and natural supplements for eye health [43:40], [51:19].Crucial Veteran Updates: John and Vic open the episode by discussing current events, including the impacts of the federal hiring freeze and return-to-work executive orders on the veteran and federal workforce [06:38]. Dr. Forgnoni also shares his personal experience in pursuing a VA claim for Long COVID-related conditions [01:32:34].Links and Resources Mentioned:Dr. Frank Forgnoni's Website (Endearing Endeavors): Check out his books, resources, and doctor locators for vision therapy: https://endearingendevors.com [59:43]Undercover Clip: Vic shares his functional invention for carrying eyewear in military covers [01:41:05].Syracuse University IVMF: Information on no-cost Google Cyber Security and Six Sigma certificates for veterans and military spouses [01:46:07].

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• #110 - Federal Careers & Veteran Job Hacks: Demystifying USAJOBS with Expert Rudy Muriel

  In this episode of the Military Retirement Podcast, John and Vic celebrate reaching 1,000 subscribers and discuss the challenges of modern media and recruiting. The highlight of the show is an interview with Rudy Muriel, a veteran and Outreach & Recruitment Specialist for the federal government. Rudy provides invaluable, demystified advice for veterans and military spouses looking to land a federal job.The discussion covers a range of topics including:The "three gatekeepers" of the federal hiring process and why a good resume is about more than just keywords [01:25:54].The biggest hurdles veterans face, such as translating military experience into civilian language, and practical solutions for overcoming them [18:21].Insights into how the federal government views an applicant's military rank versus their actual skills and knowledge [22:15].The VOW Act and how it allows transitioning service members to be onboarded for a federal job up to 120 days before their separation date, preventing a gap in pay [01:20:28].The surprising ability to negotiate a higher starting salary in certain federal jobs [56:57].Rudy’s advice for military spouses on finding and applying for federal positions, even without a resume [01:27:01].How to get free help and training from Veteran Service Officers (VSOs) and local employment offices upon landing in a new community [34:01].This episode is a must-listen for anyone navigating the transition to a civilian career, offering practical, expert advice that goes far beyond what is typically covered in the Transition Assistance Program (TAP).Key Timestamps:[00:46] The Military Retirement Podcast hits 1,000 subscribers and discusses future goals.[13:37] Introduction of guest Rudy Muriel, a federal government Outreach and Recruitment Specialist.[18:21] The biggest hurdle for veterans in federal hiring: identifying and translating transferable skills.[22:15] Dispelling the myth of military rank equivalency in federal pay grades.[34:01] The crucial role of Local Veteran Employment Representatives (LVERs) and Disabled Veterans' Outreach Program (DVOPs) counselors.[56:57] How to negotiate a higher step or salary for federal positions.[01:03:04] The importance of "buying back" military time for your federal retirement plan.[01:20:28] Explanation of the VOW Act and its benefits for new hires.[01:25:54] The "Three Gatekeepers" of the USAJOBS application process.[01:32:35] How and where to find Rudy Muriel's workshops and resources.Resources Mentioned:Rudy Muriel's LinkedIn: For job seekers and those interested in his workshops. https://www.linkedin.com/in/rudy-m-165a0515/USAJOBS: The official website for federal employment. https://usajobs.govThe VOW Act: For transitioning service members to get onboarded early. https://www.benefits.va.gov/vow/Military Retirement Group on Facebook: https://www.facebook.com/groups/themilitaryretirementgroupPortraits for Patriots: An organization that provides free professional photos for transitioning veterans. https://portraitsforpatriots.org/Operation Headshot: An alternative organization offering similar services and photography education for veterans. https://www.operationheadshot.com/

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