If you're anything like us, you may still be recovering from paying for summer camp and after-school care bills. Fortunately, the Dependent Care Flexible Spending Account (DCFSA) lets your family set aside pretax money from your spouse’s paycheck to use for day care, preschool, after-school care, summer camp and even elder care for your parents. By using pretax dollars, you can save as much as 30 percent. Learn more in this fact sheet for military spouses.

Speaking of both retirement and dependent care, have you thought about how your monthly care expenses will change after your spouse leaves the military? Depending on your children's ages and your family’s needs, the difference can be thousands of dollars a month. To help you prepare, read this article from the Office of Financial Readiness (FINRED) and research child care costs and availability in the area where you're planning to settle.

Banking apps, school information, birth dates and even photos of drivers' licenses — our lives are on our phones. If your phone is stolen or hacked, scammers can use the information to steal your identity. Here are four tips from the Federal Trade Commission (FTC) you can use to keep your phone safe and your personal information secure.