Fiscal Foxhole
Claim This Podcastby Rob Moore and Omen Quelvog
Podcast Overview
<p>Hosted by Army Veteran <strong>Rob Moore MQFP®</strong>, and Marine Veteran <strong>Omen Quelvog CFP® MQFP®</strong>, The Fiscal Foxhole is where military grit meets financial smarts. Whether you're active duty, a veteran, or retired, we dive deep into the money matters that matter most—from budgeting and investing to benefits and retirement planning.</p><p>But don’t expect a dry lecture—we mix in humor, banter, and the occasional war story to keep things light while tackling serious financial topics. It’s finance with a foxhole twist: practical, patriotic, and just a little bit rowdy.</p>
Language
🇺🇲
Publishing Since
10/22/2025
1 verified contact email on file for Fiscal Foxhole
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Recent Episodes
July 22, 2026
Social Security Strategy: Claiming, Confidence & Common Mistakes
<p>In this episode, <strong>Rob Moore, MQFP®</strong> and <strong>Omen Quelvog CFP®, MQFP®</strong> 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.</p><p>📩 Email <strong>The Fiscal Foxhole</strong> at <a target="_blank" rel="noopener noreferrer nofollow" href="mailto:fiscalfoxhole@gmail.com"><strong>fiscalfoxhole@gmail.com</strong></a></p><p>📅<a target="_blank" rel="noopener noreferrer nofollow" href="https://www.prosperwitheverman.com/contact"> Book a meeting with Rob</a></p><p>📅<a target="_blank" rel="noopener noreferrer nofollow" href="https://www.4myndr.com/connect"> Book a meeting with Omen</a></p><p><strong>🪖 Situation: Social Security Basics</strong></p><ul><li>Social Security is a <strong>core, guaranteed income source</strong> alongside pensions and disability.</li><li>Misconception: using Social Security to avoid spending investments.</li><li>Key principle: <strong>decumulation is expected—don’t delay it out of fear.</strong></li><li>Full Retirement Age (FRA) = <strong>67 for most people</strong>.</li></ul><p><strong>🌕 Background: Preparation Pays Off</strong></p><ul><li>Neil Armstrong and Buzz Aldrin’s Moon landing highlights:</li></ul><p><strong>📊 Intel Update: Allocation vs. Location</strong></p><ul><li>Vanguard research: <strong>asset allocation matters more than account location</strong>.</li></ul><p><strong>🎯 Execution: Claiming Strategies</strong></p><p><strong>Key Mechanics</strong></p><ul><li>Claim early (62): up to <strong>~30% permanent reduction</strong></li><li>Claim late (70): up to <strong>~24% increase</strong></li><li>Delayed credits: ~<strong>8% annually after FRA</strong></li></ul><p><strong>Default Strategy</strong></p><ul><li>Mathematically: <strong>delay to 70</strong> for maximum lifetime income</li><li>Trade-off:<ul><li>Requires <strong>spending investments earlier</strong></li><li>Creates higher guaranteed income later</li></ul></li></ul><p><strong>Spousal Strategy</strong></p><ul><li>Higher earner: delay to maximize survivor benefit</li><li>Lower earner: can claim earlier for flexibility</li></ul><p><strong>⚖️ When NOT to Delay</strong></p><p>Claim earlier if:</p><ul><li>Health concerns or reduced life expectancy</li><li>Job burnout or early retirement needs</li><li>Desire to improve <strong>quality of life now</strong></li><li>Income gap that investments cannot safely cover</li></ul><p><strong>🚨 Social Security Headlines & Reality</strong></p><ul><li>Trust fund projected depletion ~<strong>2032–2033</strong></li><li>Likely outcomes (historically):<ul><li>Gradual changes (e.g., raising retirement age)</li><li>Adjustments for higher earners</li><li>Last-minute legislative fixes</li></ul></li></ul><p>⚠️ Don’t claim early out of fear—</p><p>You risk a <strong>permanent reduction to avoid a possible one</strong></p><p><strong>🧠 Mindset Shift</strong></p><ul><li>Social Security ≠ investment</li><li>Think of it as <strong>longevity insurance</strong></li><li>Average real return: ~<strong>3%</strong></li><li>Purpose: ensure you <strong>don’t run out of income</strong></li></ul><p><strong>🔗 Resources Mentioned</strong></p><ul><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.ssa.gov">https://www.ssa.gov</a></li></ul><p>Stay flexible, keep your plan aligned with your goals, and make Social Security work as part of your strategy—not the whole strategy.</p>
July 15, 2026
Military Retirement and the Paradox of Opportunity
<p>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.<a target="_blank" rel="noopener noreferrer nofollow" href="https://evermanprosperity-my.sharepoint.com/personal/rob_prosperwitheverman_com/_layouts/15/Doc.aspx?sourcedoc=%7BFEE64D2E-8B82-4BEA-9357-BA7CA27E3FF3%7D&file=Script%20for%20show%20notes.docx&action=default&mobileredirect=true"> </a></p><p><strong>Connect With Us</strong></p><p>📧 <a target="_blank" rel="noopener noreferrer nofollow" href="mailto:fiscalfoxhole@gmail.com">fiscalfoxhole@gmail.com</a></p><p>📅 <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.prosperwitheverman.com/contact">Book a meeting with Rob</a></p><p>📅 <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.4myndr.com/connect">Book a meeting with Omen</a></p><p><strong>🪖 This Week in Military History</strong></p><ul><li>Historic firsts for women in the military</li></ul><p><strong>📰 Headline: Should You Reinvest Dividends?</strong></p><p>The hosts discuss a Morningstar article examining whether retirees should automatically reinvest dividends. </p><p><strong>🎯 Main Topic: Military Retirement & Opportunity</strong></p><p>Military retirement creates a unique situation: income doesn't disappear, but many retirees still want—or need—to keep working. The result can be a surprising amount of uncertainty.</p><p><strong>Common Questions</strong></p><p>✅ What if I don't find work I enjoy?</p><p>✅ What if I choose a new career and later regret it?</p><p>✅ What if it pays less than expected?</p><p>✅ Am I giving up my peak earning years?</p><p>✅ What if I need income immediately after retirement?</p><p><strong>🧭 Is Government Contracting Right for You?</strong></p><p>Contracting can be a great fit—but only if it aligns with your goals.</p><p><strong>💰 The Power of the Income Floor</strong></p><p>Military retirees often have a strong financial foundation through:</p><ul><li>Military pension</li><li>Potential VA disability compensation</li><li>Future Social Security benefits</li></ul><p><strong>⚠️ Common Retirement Mistakes</strong></p><ul><li>Not understanding your actual spending needs</li><li>Ignoring tax planning after retirement</li><li>Assuming retirement is the finish line instead of the start of a new chapter</li></ul><p>Awareness and planning remain critical—even with a pension.<a target="_blank" rel="noopener noreferrer nofollow" href="https://evermanprosperity-my.sharepoint.com/personal/rob_prosperwitheverman_com/_layouts/15/Doc.aspx?sourcedoc=%7BFEE64D2E-8B82-4BEA-9357-BA7CA27E3FF3%7D&file=Script%20for%20show%20notes.docx&action=default&mobileredirect=true"> </a></p><p><strong>🎲 Trivia Challenge</strong></p><p><strong>Question:</strong> RAND translated "Basic Combat Training" into what civilian-friendly resume phrase?</p><p><strong>📌 Key Takeaways</strong></p><ul><li>Dividend reinvestment is a tool, not a rule.</li><li>Military retirement provides opportunity—but opportunity can feel overwhelming.</li><li>Your pension creates flexibility most retirees never have.</li></ul><p>⭐ If you enjoyed this episode, subscribe, leave a review, and share The Fiscal Foxhole with a friend.</p>
July 8, 2026
Estate Planning: The Gift of Love w/ Daniel Kopp, CFP®, MQFP®
<p>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.</p><p><strong>Connect with us!</strong></p><p>Email <strong>The Fiscal Foxhole</strong> at <a target="_blank" rel="noopener noreferrer nofollow" href="mailto:fiscalfoxhole@gmail.com"><strong>fiscalfoxhole@gmail.com</strong></a><strong> </strong><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.prosperwitheverman.com/contact"> </a></p><p><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.prosperwitheverman.com/contact">Book a meeting with Rob</a></p><p><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.4myndr.com/connect">Book a meeting with Omen</a></p><p><strong>🪖 This Week in Military History</strong></p><ul><li><strong>Operation Husky (July 1943)</strong>: Allied invasion of Sicily</li></ul><p><strong>📰 Headline: K-Shaped Economy & the TSP</strong></p><ul><li>A <strong>K-shaped economy</strong>: some sectors rise while others fall</li></ul><p><strong>🎙️ Guest Interview: Daniel Kopp</strong></p><p><strong>Background & Mission</strong></p><ul><li>Air Force veteran, financial planner, widower</li><li>Founder of <a target="_blank" rel="noopener noreferrer nofollow" href="https://wisestewardshipfp.com/">Wise Stewardship Financial Planning</a></li></ul><p><strong>❤️ Estate Planning: Before & After</strong></p><ul><li>Having basic documents helped—but gaps still caused challenges</li><li>Biggest value: <strong>reducing emotional and administrative burden</strong></li></ul><p><strong>Core Lesson:</strong></p><ul><li>Estate planning = <strong>a gift of love</strong></li><li>Hard conversations now prevent hardship later</li></ul><p><strong>🧠 Navigating Grief & Decision-Making</strong></p><ul><li>Loss creates “brain fog” and emotional overload</li><li>Use the <strong>Now, Soon, Later</strong> framework:<ul><li>Now: urgent tasks</li><li>Soon: near-term decisions</li><li>Later: major life changes</li></ul></li></ul><p><strong>💬 How to Start the Conversation</strong></p><ul><li>Ask open-ended questions:</li><li>Use real-life examples (good & bad outcomes)</li></ul><p><strong>🧰 Practical Tools & Tips</strong></p><ul><li>Use <strong>password managers</strong> (critical for digital access)</li><li>Organize info with systems like NOK Box or prepared binders</li></ul><p><strong>💰 Gold Star & SGLI Insights</strong></p><ul><li><strong>HEART Act benefit</strong>:<ul><li>Roll SGLI proceeds into a Roth IRA (within 12 months)</li><li>Enables long-term tax-free growth</li></ul></li></ul><p><strong>🤝 MFAA & Professional Pathways</strong></p><ul><li>Military Financial Advisors Association (MFAA)</li><li>Daniel’s podcast: <a target="_blank" rel="noopener noreferrer nofollow" href="https://militarytofinancialplanner.libsyn.com/"><strong>Military to Financial Planner</strong></a></li></ul><p><strong>🔗 Resources Mentioned</strong></p><ul><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://trustandwill.com/">Trust & Will</a></li><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://militaryfinancialadvisors.org/">Military Financial Advisors Association (MFAA)</a></li><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://theconversationproject.org/">The Conversation Project</a></li><li><a target="_blank" rel="noopener noreferrer nofollow" href="https://www.fivewishes.org/">Five Wishes healthcare directive</a></li></ul>
44 total episodes available
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- What is Fiscal Foxhole?
<p>Hosted by Army Veteran <strong>Rob Moore MQFP®</strong>, and Marine Veteran <strong>Omen Quelvog CFP® MQFP®</strong>, The Fiscal Foxhole is where military grit meets financial smarts. Whether you're active duty, a veteran, or retired, we dive deep into the money matters that matter most—from budgeting and investing to benefits and retirement planning.</p><p>But don’t expect a dry lecture—we mix in humor, banter, and the occasional war story to keep things light while tackling serious financial topics. It’s finance with a foxhole twist: practical, patriotic, and just a little bit rowdy.</p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Yes, this podcast regularly features guests.
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