DOW Learning Resource Library

Starting the Conversation

The Office of Financial Readiness is on your side as you help service members, and their families plan for life during and after the military.

Financial readiness is an important part of mission readiness — and talking to service members about their financial health is a key step to achieving both. Yet, the stigma around money can make introducing the subject of personal finances especially challenging.

With these topic-based cards, you gain helpful tips and ideas for starting the conversation, as well as resources you can share to help your service members build their financial health.

Take advantage of these specialized training tools to stay abreast of new developments and enhance your training and coaching skills.

Starting Your Financial Readiness Journey	Assessing Financial Well-Being Using the Financial Well-Being Assessment	Personal Finances Your Financial Upbringing	Creating a Spending Plan Financial Toolkit
Consumer Protections Identity Protection	Credit	Large Purchases UnexpectedExpenses	Filing Taxes
Retirement Lasting Impacts Before You Go	Basic Needs Allowance Assessing Basic Needs Allowance Eligibility	Financial Calculator	MilSpouse Money Mission (M3)

Service Branch	Overview
Army	Connect with Financial Frontline, the Army's guide to supporting the financial readiness of soldiers, families, and service providers.
USMC	Access Marine Net to connect with tools for personal financial managers (PFM) or command financial specialists (CFS) to use when supporting Marines and their families in achieving and maintaining financial readiness.

Shareable Resources

Connect with information and suggestions for developing your social media presence using the Financial Readiness style and approach.

Each Shareable Resource provides the following:

Branding information
Frequently asked questions (FAQ)
Flyers and handouts
Visual Style Guide covering logo usage

Shareable Resources	Overview
Sen$e	Discover Sen$e, the DoD's financial education app for Service members, their families and service providers. Sen$e is designed to support the unique needs of military life with on-demand financial information that helps you achieve and maintain your financial well-being.
Starting the Conversation	Use these resources and conversation starters to guide impactful discussions with service members about their finances.
Financial Planning Month	Use the information, key messages and imagery in this media kit to encourage service members to build a strong financial foundation and a strong financial future.
FINRED Branding materials	Connect with FINRED logos and promotional posters here.

Program Support Materials

The Office of Financial Readiness is on your side as you help service members and their families plan for life during and after the military. Use the following resources to guide and enhance your program knowledge and training.

Program Support Materials	Overview
Personal Financial Counselor (PFC) Program Guide	The PFC Program provides financial readiness tools, education and counseling. Find out how these no-cost services support total force readiness.
Inventory of Financial Literacy Knowledge and Skills for Service Members and Families	The Inventory provides a clear baseline for developing financial literacy curriculum in accordance with congressional requirements.
Section 541 Memorandum	The Section 541 memo addresses updates to the Promotion and PCS touchpoints (current as of Feb. 24, 2025).
Financial Readiness Curriculum Evaluation Form	Under development
Accessibility Documents	To create content that complies with Section 508 of the Rehabilitation Act, Military OneSource provides checklists for different products.
Policy, Law, and Reports	Stay informed of the latest financial policies and laws and be ready to share your knowledge and advice with service members to help them make positive financial decisions today that will benefit them in the future.
BRS Training for Continuation Pay Provision Training Development	This guide supports the services in developing training on continuation pay. Find learning objectives and knowledge checks to educate service members about this valuable component of their retirement system.
Uniformed Services Blended Retirement Services	This resource outlines the Blended Retirement System and lists basic information, talking points and resources.