Personal Financial Management

Financial Readiness = Mission Readiness. This is the basis for the Department of Defense Financial Readiness Campaign and the cornerstone for Air Force Personal Financial Readiness (PFR) services. Service members face the unique and complex requirements of deployments, family separation, frequent relocation, spouse employment challenges, special needs, and other stressful situations. Thus, the importance of service members having their financial affairs in order takes on a heightened level of importance. Providing effective financial readiness education is essential to ensure customers are provided with strategies and techniques that lead to their financial success and resilience.

We Offer:

  • Personalized one-on-one financial consultations
  • Workshops
  • Check out the monthly A&FRC calendar for in-house class offerings.
  • Outreach presentations: we can bring our financial education presentations to your unit, spouse group, or organization.


Each February, the A&FRC participates in Military Saves Week, which is part of a DoD-wide financial readiness campaign to encourage military service members and their families to reduce debt and save money. This website has an array of financial resources and information related to the campaign.                                          

Financial counseling is available through Military OneSource at no cost to Active Duty, Guard, and Reserve members (regardless of activation status), and families located in the continental United States. For those unable to attend in-person counseling or in locations where in-person counseling is not available, Military OneSource will provide telephonic counseling. Counseling is provided for financial issues such as basic budgeting, money management, debt consolidation, debt management (including coaching to help people contact their creditors and negotiate late fees, interest rates, and affordable payment plans), and assistance with housing issues (being behind on mortgage payments or facing potential foreclosure).

For educational articles and resources, click on ‘Military Life Topics’ and visit the ‘Money Management’ section.

Debt is one of the primary obstacles to achieving saving and investing goals. Register on PowerPay to develop a debt payoff calendar so you can enjoy financial freedom sooner!

Spending Plan Intake

DISCLAIMER: This is an unofficial DoD website. Only active duty military, military retirees, reservists, National Guardsmen, DoD civilian employees, NAF employees and respective family members and guests of all the above are eligible users of 23d Force Support activities unless otherwise noted. The appearance of hyperlinks does not constitute endorsement by the U.S. Air Force of the Web sites or the information, products or services contained therein. In reference to sponsorship, no federal endorsement of sponsor(s) intended.