Ryan Guina

Ryan Guina is a military veteran, writer and small business owner. He currently serves in the Air National Guard.

Ryan served on active duty in the US Air Force for six and a half years and completed five deployments. He worked as a civilian contractor on US Air Force logistics systems for several years after leaving active duty. He joined the Air National Guard after being out of the military for over eight years.

During his transition from active duty, he started two websites, TheMilitaryWallet.com and CashMoneyLife.com. He continues to operate these websites to help people take advantage of their military benefits and to make better financial decisions.

Ryan's writing has been featured in Military.com, Forbes.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine, USAA, and many other publications.

Latest Articles

compass with the needle pointing towards word "insurance"

Is Your Family Protected from a Loss of Income?

What exactly are life insurance and disability insurance?

Year-End Tax Moves: 6 Ways to Save on Taxes Before Dec. 31

Take advantage of tax savings while you can.

Tips for Preparing Your 2020 Taxes

TIme to start getting all your paperwork ready for the annual task. Here's what you'll need.

Stylized words reading Individual Retirement Account

How Military Members Can Max Out Their IRAs Each Year

A bit of planning can make it easy to save the maximum amount allowed by law

Mortgage Rates Are Still Near Record Lows. Is Now a Good Time to Refinance?

There are many things to consider when refinancing your home.

Computer keyboard with "insurance" written on a key

Shopping for Insurance Quotes Could Save You Hundreds of Dollars Annually

It's a good idea to review all of your policies every year.

Cash Flow Problems? The IRS Just Changed Retirement Account Distribution -- Again

Thanks to the change, more people are eligible to take early withdrawals and loans from their retirement accounts -- if they...

4 Ways to Find More Money to Save for Retirement

How can you fund retirement while meeting your daily need for cash?

Trying to Time the Stock Market Is a Bad Idea. Here Is a Better Way to Invest

Even "experts" have problems trying to time the market.

Command Master Chief Brian McDonough (left) promotes Culinary Specialist 2nd Class Matthew Ndambuki to petty officer first class during a meritorious advancement program (MAP) promotion ceremony at U.S. Naval Forces Central Command (NAVCENT), July 12, 2018. (U.S. Navy photo/Bryan Neal Blair)

Will the COVID-19 Emergency Impact Your Promotion and Career Opportunities?

COVID-19 could have another trick up its sleeve. It may impact your career in ways that are only now coming to light.

Michigan Army National Guard soldiers distribute over 20,000 pounds of food in west Michigan.

Guard and Reserve Members Face Dual Struggles Due to Coronavirus Response

Activated members need better access to benefits, while others can't rack up necessary training requirements.

Some Veterans May Need to Take This Extra Step to Get Their Stimulus Check

Make sure your economic stimulus check isn't delayed.

6 Financial Takeaways from the Coronavirus Outbreak

You may have emergency supplies on hand, but what about emergency money?

Why Aren't There Military Retiree Pay Scales?

Have you ever wondered why there are no pay charts for military retirees?

Didn't Retire from Active Duty? You Can Still Use Your Service Toward a Pension

The good news is that your active duty military service puts you in a better position to earn a pension, even if you count...

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