Episodes

In this crossover episode, Rob Moore, MQFP® joins the Military Money Manual to explain how a Roth conversion ladder can create supplemental income between military retirement and age 59½.

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🪜 Roth Conversion Ladder Basics
A Roth conversion ladder moves money from a traditional IRA to a Roth IRA over several years, creating potential bridge income before age 59½.

The con...

Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® explain how the three-bucket strategy can make investing and retirement income decisions easier to manage. They also explore state tax benefits for 529 plans, the enduring legacy of the Cobra attack helicopter, and why financial resilience is more important than predicting the market.
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🚁 Background: The Cobra Takes Flight
The...

In this episode, Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® tackle one of the most requested topics: financial designations, fiduciary duty, advisor compensation, and how to evaluate financial professionals. They also discuss retirement cash reserves, military-specific planning, and the red flags that should make you pause before taking financial advice.
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🎙️ Opening Salvo
Fisc...

In this episode, Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® take a full deep dive into the newly launched Trump Accounts, separating the facts from the hype and discussing how these accounts actually work now that they're available. They also revisit emergency fund planning for military families and explore what happens when a child eventually takes control of a Trump Account.

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Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® explore the growing role of AI in personal finance, breaking down the different ways people use chatbots for money decisions and where those tools help or fall short. They also discuss Trump accounts for kids, lessons from the C-130 Hercules, and why judgment still matters more than information.

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Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® take a long-overdue deep dive into the Thrift Savings Plan, using Dave Ramsey’s common TSP guidance as a launch point. They also unpack CD ladders, TSP fund choices, L Funds, the G Fund’s unique role, and why intentionality matters more than chasing complexity.

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🪖 Today’s Background: V-J Day
Rob and Omen look back to August 14, 1945, when President Ha...

Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® unpack Rob’s Principles of Prosperity and test whether its five core ideas still hold up inside The Fiscal Foxhole. The episode moves from values and goals to net worth, cash flow, and budgeting, with one reminder: strong financial decisions start with what matters most.

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🧭 Situation: Principles Under Fire

Rob explains why he...

Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® discuss two surprisingly connected topics: moving retirement accounts and moving households. From avoiding costly IRA rollover mistakes to using PCS season as a decluttering opportunity, this episode focuses on reducing friction, risk, and excess baggage in your financial life.

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🪖 This Date in Military History
July 27, 1953: the Korean Armistice Agree...

In this episode, Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® break down Social Security—how it works, when to claim, and how to think about it in a real-world retirement plan. They cut through the noise around trust fund headlines and focus on practical strategy, flexibility, and avoiding costly mistakes.

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🪖 Situation: Social Security Basics
Social Security is a core, guaranteed income so...

Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® discuss one of the biggest challenges facing military retirees: what comes next? From dividend investing and retirement income strategies to career transitions and finding purpose after service, this episode explores how military retirement creates both freedom and uncertainty.
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🪖 This Week in Military History
Historic firsts for women in the military

📰 Hea...

Rob Moore, MQFP® and Omen Quelvog CFP®, MQFP® welcome Daniel Kopp, CFP® to share a deeply personal and professional perspective on estate planning—both in preparation and in reality after loss. The episode blends market insights, military history, and powerful lessons on planning, grief, and financial clarity.

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🪖 This Week in Military History
Operation Husky (July 1943): Allied i...

Military Retirement States, Annuities, and Financial Lessons from History
Happy 250th Birthday, America!

In this special Independence Day episode, Rob Moore and Omen Quelvog celebrate America's founding while tackling two topics every military family should think about: whether annuities deserve a second look in today's interest rate environment and which states are truly the best places for military retirees to call home. Along the way, they mix in fascinating stories from American financial h...

This week in the Foxhole, Omen Quelvog and Rob Moore break down a high-profile IPO, honor a fallen hero, and welcome Spencer Reese from Military Money Manual for a powerful conversation on living—and thriving—overseas.

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🇺🇸 This Week in Military History
In June 2005, Lt. Michael Murphy led a Navy SEAL team during Operation Red Wings in Afghanistan. Facing overwhelming enemy fire, he exposed himself t...

This week in the Foxhole, Rob Moore and Omen Quelvog tackle one of the most overlooked—and most powerful—drivers of long-term success: discipline in investing.

From S&P 500 concentration risk to behavioral traps that sabotage portfolios, this episode breaks down why success isn’t about predicting the market—it’s about controlling yourself.

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💡 Episode Summary
Is “VOO and chill” really diversificatio...

🎯 Episode Summary
Roth accounts get all the hype—and for good reason. Tax-free growth, flexible withdrawals, and powerful planning tools. But here’s the reality: that flexibility only works if you do the behind-the-scenes admin correctly.

In this episode, Rob Moore and Omen Quelvog break down the often-missed rules that make Roth IRAs work the way they’re advertised. From tracking contributions to avoiding costly tax mistakes, this is your practical guide to staying in control—and staying out o...

🎙️ Episode Summary
Recorded on location at MilMoneyCon in Savannah, Rob and Omen welcome a special guest into the Foxhole—Omen’s wife, Megan. This episode dives deep into the real-life money journey behind a nearly 27-year marriage. From getting married at 18 with no plan, no proposal, and very little money… to building a strong, values-aligned partnership, this conversation is packed with honesty, humor, and hard-earned wisdom.

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What Should You Do With Your TSP After Leaving the Military?
In this episode, Rob and Omen tackle one of the most common questions service members ask: “What do I do with my TSP when I leave the military?”
Before diving in, they recap Rob’s appearance on the Military Money Manual podcast discussing Roth conversion ladders—and why they’re powerful but often misunderstood.

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Omen’s article - rolling out of the TSP
Email us! fiscalfo...

Estate Planning Demystified + Retirement Reality Check
🪖 In This Episode

This week in the foxhole, Rob and Omen tackle two critical topics that often get overlooked until it’s too late:

Why many retirees are forced out earlier than planned

How estate planning can protect your family — and where most people miss the mark

Plus, we welcome estate attorney and CFP John Morgan to break down wills, trusts, and everything in between—without the intimidating legal jargon.

📅 This Date in History

✈️...

🎙️ The Fiscal Foxhole
Special Feature: Military Money Manual Podcast Crossover
This week, Rob and Omen are both attending MillMoneyCon, so we’re doing something a little different. Instead of a standard episode, we’re sharing a guest appearance by Omen Quelvog on the Military Money Manual Podcast—a conversation that was simply too valuable not to cross‑publish.

If you’re 2–3 years from military separation or retirement, this episode is required listening. And even if you’re earlier in your care...

🎙️ The Fiscal Foxhole – Episode 33
The Symptoms of Financial Success
What does financial success actually feel like? In this episode, Rob Moore and Omen Quelvog flip last week’s conversation on its head and break down the real‑world signs that your finances are working for you—not against you.

From checking your accounts without dread to handling surprises without panic, this conversation is about habits, mindset, and behavior—not just math.

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🎙️ The Fiscal Foxhole
Symptoms of Financial Trouble (Part 1)
In this episode of The Fiscal Foxhole, Rob Moore and Omen Quelvog kick off a two‑part series focused on recognizing the early warning signs of financial trouble—before small issues become major problems. This week’s focus is on the symptoms of financial stress and why awareness is the first step toward turning things around.

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🎙️ The Fiscal Foxhole – Fight in the Foxhole
Episode Summary
In this special episode of The Fiscal Foxhole, Rob Moore and Omen Quelvog finally stop agreeing.

Instead of the usual “it depends,” Rob and Omen step into the ring for a full Fight in the Foxhole, taking opposite sides on some of the most debated personal finance questions — with one rule: no nuance allowed.

The result is a fast‑paced, tongue‑in‑cheek episode packed with strong opinions, real financial principles, and plenty of frien...

🎙️ Fiscal Foxhole – Real Estate Reality Checks & Accidental Landlords
In this episode of The Fiscal Foxhole, Rob and Omen welcome Daniel Huffman, ChFC®, MQFP® and Army Reservist, down into the foxhole for a no‑nonsense conversation about real estate investing, rental properties, and why so many “passive income” stories fall short in the real world.

If you’ve ever heard that renting out a home is easy, passive, or a guaranteed win—this episode brings the clarity most investors wish they had befo...

🎙️ Episode Overview
In this episode of The Fiscal Foxhole, Rob Moore and Omen Quelvog unpack how luck—and misplaced confidence—can quietly derail your financial plan. From debt and lifestyle inflation to insurance gaps and investing overconfidence, they explore practical ways to replace luck with preparation and intentional decisions.

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🧠 What We Cover
Why good outcomes can create false confidence with money

How relyin...