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Do I Want My Daughters to Join the Army? It’s Complicated

08/27/2018 By Michelle Volkmann

by Eric Gardner, Guest Contributor

Our lives as military spouses are filled with countless decisions. As a fourth-generation veteran I understand I have a tendency to overthink certain areas of life.

One of them being – will my children wear the uniform in the future?

Now I’ve still got a bit before anything happens. My oldest is gracing the halls of middle school this year. However, I know full well how fast time can pass and before I know it my beautiful little girls will be empowered, driven young women.

Will I want my daughters to join the military of the future? To be honest the verdict is still out.

Now before this gets taken out of context, let me explain. There are some terrific life lessons that can be gained through military service.

The first one that comes to mind is making friends quickly. All military brats and active duty service members have that quality which has been honed through countless PCSes. A social grace that allows them to blend into any group and find connections that might be lost in other civilian professions.

Another lesson of military service is you learn the importance of family. Our families are the only constant we often have. Regardless of where the military takes you, your family being by your side can make your military installation feel like home.

And last but not least is developing a unique empathy that few outside the service can match. It’s one thing to see the sights of a host nation or port of call. It’s another to make friends with the locals and see the world from their point of view.

Do I Want My Daughters to Join the Army? It's Complicated

As I plot and plan for the future there is one thing I know I have no control over – my daughter’s decision to join the Army.

I sincerely hope that my wife and I are good stewards of the impression the Army makes on our girls. Not that everything is easy. Far from it, we want to ensure that our kids see that military life is passionate, full of adventure and challenging. The later part being what makes the journey worthwhile.

Now before you think I’ve got my dad blinders on, let me say just a little about the methodology to this train of thought. The one thing that I can’t stop is time. Whether it’s after high school or college or somewhere in-between my kiddos are going to have to take their own steps out into society. Their unique signature on the world will only be limited or enhanced by their experiences and imagination.

When I graduated from college to join the Army, there was a tremendous amount of uncertainty. I considered myself lucky in that while my peers felt a similar apprehension about the unknown at their new jobs, they had suffered additional stress of finding their place of employment in their field of study. My classmates weren’t exactly sure how long their positions would be available at their new offices.

I, on the other hand, had a guaranteed eight years of job security.

I think we can all agree that everything has tradeoffs. I know for a fact that my parents — my mother specifically —  didn’t enjoy my time at Ranger School. So many things could have gone wrong, from a simple failed exercise to a catastrophic accident. I’m fairly certain my guaranteed employment wasn’t at the top of either of my parents’ thoughts during the years of airborne operations at Fort Bragg.

As I began to excel as a soldier, I could see the joy my successes brought to them. Some of their excitement was a validation that their sacrifices during my childhood allowed me to positively stand out and that my future held so many possibilities.

The military isn’t forever. Even if you do 30 years there are still many chapters of our lives to write. As a starting point, the Army alone has 150 career paths. Finding a passion with so many choices is a high probability.

Even it’s only for a few years, there is so much to gain from military service.

Promotions can be expected. Equality is something everyone believes in. You get paid vacation from day one. You and your family have access to health care and you have the opportunity to see the world.

Now there will always be disadvantages and they do carry a lot of weight. There are the long hours, often hazardous duty accompanying most career fields, the stressors placed on the family, and the nomadic lifestyle is oftentimes hard to adjust to.

Yet as I plot and plan for the future there is one thing I know I will have no control over – my daughter’s decision.

To say the military isn’t for everyone is putting it mildly. A 1% sampling of the population volunteering to serve has so many demands placed on it that you need to want to be there. As with all paths of life there will be highs and lows, however the added element of extreme risk can produce some very hard days.

This is why the jury is still out. My wife and I won’t promote or discourage the military lifestyle. Our girls have a brief glimpse of what service life is like from being Army brats.

As a former brat and veteran, I know how little I understood going in. Yet that was OK because I wanted to be there. It’s not necessary that I need my children to do this.

I want them to be vested in their passions.

I want them to excel in whatever profession they choose.

And above all else I want them to be excited about their future.

While I’ve said it’s their decision I have to admit, having them be part of five consecutive generations of military members would make me smile. However, wanting them to thrive in a career they are passionate about is what would make me most proud.

Do you want your children to follow in your footsteps and join the Army? Why or why not?

Eric Gardner was raised in a military family and lived around the world. Following in his father's footsteps, he joined the U.S. Army as an Infantry Officer. Eric Gardner was raised in a military family and lived around the world. Following in his father’s footsteps, he joined the U.S. Army as an Infantry Officer. Since the end of his wartime service he has shifted gears and is now a stay-at-home father. In his role as an active duty Army spouse, he has become an author. As the creator of the XIII Legion Series he has enjoyed great success, and enjoys meeting other entrepreneurial spouses as well as fellow authors. You can see more from Eric Gardner at his Facebook page: www.facebook.com/thirteenthlegion.series, and http://www.facebook.com/XIIILGN or follow him via Twitter @13thLegion.

Are You Deep in Credit Card Debt? Consider Using a Credit Counselor

09/10/2014 By Rachel Tringali Marston

There was a time in my life that I bit off more than I could chew regarding my credit limit. I was young and naive on the specifics of credit cards. I signed up for 3 different accounts before the age of 20. Of course, the credit card companies were itching for people like me. They fed me stories on how I needed to build up my credit history and establish a good foundation for the future.

Should Military Families Use a Financial Consultant?

Military families should work with nonprofit debt managers to reduce their credit card debt.

What they neglected to say was their extremely high interest rates and the actual importance to pay off your balances in a timely manner. Otherwise, you’d be accruing more interest and adding to your debt. Years passed with me just paying the minimum payments with all my credit cards at near max. If I continued to pay my credit cards at the minimum amount, it would have taken me 25 years to pay off the remaining balance.

Despite conversations with my credit card companies, I had to take additional action. It got to a point where I was drowning in my credit card debt and I didn’t see an end in sight. I wanted to find a way to get myself back on track and eliminate my debt as well as learn some safe credit card habits. So I researched ways and programs that could help me.

Are you deep in debt? Here are debt and credit counseling tips for military families.

Military OneSource provides free financial counseling. All you need to do is give them a call and they can walk you through options that could help you negotiate a reduced rate with your creditors  and offer basic education on money matters, including debt management and things as common as setting up a budget. They can give you the foundation to tackle your goals and become debt free.

Another great option is enrolling with a debt management organization, which is the route I chose to take. You are assigned a credit counselor that is familiar with your situation. I wanted the ease of a single professional guiding me through the process and also a company that took care of negotiating with my creditors on my behalf. I made 1 payment to my counselor and they allocated the appropriate funds to each creditor.

Everything was simplified to me by my debt counselor, down to the penny. Because they knew my financial history, I was able to get a thorough explanation as well as a very streamline approach to be successful. I really liked having everything mapped out for me and finally seeing the light at the end of the tunnel.

I sat down with my counselor to evaluate what was possible with my income minus all my living expenses. Even with the small fee the debt management charged, they were able to negotiate a payment plan with my creditors that would have my debt paid off in 5 years (instead of the calculated 25). That to me was a win-win situation.

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Be very careful with shopping around for a debt management counselor, especially if you’re going to do it outside of Military OneSource or any other military, veteran or government entities. Basic signs for a credible organization are that they are a member of the National Foundation of Credit Counseling (NFCC) and the Association of Independent Consumer Credit Counseling Agencies as well as backed by the Council of Accreditation. Another telltale sign is that they are a nonprofit organization.

Military Service Members and Debt: How to Get Out

I needed to eliminate my debt as well as learn some safe credit card habits.

Debt management companies as well as accredited counselors are there to help and inform consumers. At first, it was very intimidating for me, especially because I had no financial background or any previous education. After discussing my credit card debt in depth, I felt confident and looked forward to reducing my debt and saving for the future.

You don’t have to limit yourself to the payment amount that was calculated by your debt counselor. If you can pay a little more each month, wiggle it into your payment schedule and it’s possible to pay the credit card debt faster than your plan. When I received my tax deductions, that’s when I added more to my payments and finished off my debt counseling plan earlier than 5 years.

In addition to knocking down the time it would take to payoff the debt, Debt management company taught me safe credit habits. The last thing I would want is to be in a similar situation again.

Have you ever worked with a credit or debt counselor? Would you recommend it? Tell us in the comments section below.

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