![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.27.34\u202fPM.png\")
Today\u2019s generation has practically grown up with a cell phone in hand. We live in a world where instant gratification in terms of communication has become the norm. This makes the transition to basic training a major challenge for some trainees and their supporters as communication looks drastically different.\u00a0One of the most common questions we get at Sandboxx is \u201cwhen will my Trainee call?\u201d.\u00a0 While we would love for you to have the ability to get a phone calls from basic training everyday, that is just not feasible in the training cycle. Your Trainee is hyper focused on learning the skills necessary to earn the title of American Soldier. Ultimately, phone calls in basic training are a privilege.\u00a0
\n\n\n\nNormally Trainee\u2019s get the opportunity to make calls home on Sundays. I always like to recommend to supporters to turn the volume up on their phone every Sunday for this reason. There is no guarantee your Trainee will call. But if they do get their phone privileges that week, Sunday is your best bet. They will have limited time to make phone calls and we cannot tell you who they will choose to call.
\n\n\n\nDuring this short availability of phone call time, they will be given access to their cell phones. Normally, they try to catch up with as many people as they can fit into the short window of opportunity.\u00a0 One key thing to remember is, phone calls are not guaranteed. If the platoon got in trouble that week for example, one of the most precious things they can lose is their phone time. Drill Sergeants want training to be the priority. As a result, they may take phone priveldeges away in order to get a trainee sattention.
\n\n\n\nDuring basic training, phone calls aren\u2019t a guarantee, but mail call is. Your letters will be essential in keeping your trainee\u2019s spirits high throughout their time in training. Don\u2019t worry we go over all you need to know about sending Letters to trainees in basic training in this post.
\nThe post Phone Calls During Basic Training appeared first on Sandboxx.
\n", "content_text": "Today\u2019s generation has practically grown up with a cell phone in hand. We live in a world where instant gratification in terms of communication has become the norm. This makes the transition to basic training a major challenge for some trainees and their supporters as communication looks drastically different.\u00a0One of the most common questions we get at Sandboxx is \u201cwhen will my Trainee call?\u201d.\u00a0 While we would love for you to have the ability to get a phone calls from basic training everyday, that is just not feasible in the training cycle. Your Trainee is hyper focused on learning the skills necessary to earn the title of American Soldier. Ultimately, phone calls in basic training are a privilege.\u00a0\n\n\n\nPhone Calls From Your Trainee\n\n\n\nNormally Trainee\u2019s get the opportunity to make calls home on Sundays. I always like to recommend to supporters to turn the volume up on their phone every Sunday for this reason. There is no guarantee your Trainee will call. But if they do get their phone privileges that week, Sunday is your best bet. They will have limited time to make phone calls and we cannot tell you who they will choose to call.\n\n\n\nDuring this short availability of phone call time, they will be given access to their cell phones. Normally, they try to catch up with as many people as they can fit into the short window of opportunity.\u00a0 One key thing to remember is, phone calls are not guaranteed. If the platoon got in trouble that week for example, one of the most precious things they can lose is their phone time. Drill Sergeants want training to be the priority. As a result, they may take phone priveldeges away in order to get a trainee sattention. \n\n\n\nCommunication at Basic Training\n\n\n\nDuring basic training, phone calls aren\u2019t a guarantee, but mail call is. Your letters will be essential in keeping your trainee\u2019s spirits high throughout their time in training. Don\u2019t worry we go over all you need to know about sending Letters to trainees in basic training in this post.\nThe post Phone Calls During Basic Training appeared first on Sandboxx.", "date_published": "2024-04-08T16:36:45-04:00", "date_modified": "2024-04-08T16:37:11-04:00", "authors": [ { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" } ], "author": { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" }, "image": "https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.27.34\u202fPM.png", "tags": [ "Basic Training" ] }, { "id": "https://www.sandboxx.us/?p=102519", "url": "https://www.sandboxx.us/blog/enlisted-us-army-ranks/", "title": "Enlisted U.S. Army Ranks", "content_html": "![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/8141838-scaled.jpg\")
Before you or your trainee get to basic training, most people don\u2019t have a very thorough understanding of military ranks. Everybody recognizes the ones that commonly show up in movies like sergeant, captain, or admiral, but where they fall on the pecking order of different branches isn\u2019t all that clear.
\n\n\n\nSo whether you don\u2019t know anything about military ranks, or you\u2019re just confused how to put them in order, here\u2019s a breakdown of the Army rank structure.
\n\n\n\nGrade and rank correlate with each other, but there is a difference between the two. For example if your trainee is a Private (PVT) their grade will be an E-1. E-1 is short for enlisted pay grade one. Pay grade is important for figuring out the pay scale they are on, as the enlisted pay scale goes from E-1 to E-9. Thus, when your Soldier is promoted or advances to the next rank, they will be in the next higher pay grade. For example, if your PVT gets promoted to PV2, they will now be an E-2.
\n\n\n\nSoldiers are not referred to as their pay grade, instead they are referred to as their rank. When you are referencing your Soldier, it is correct to refer to them as PVT Jones or PV2 Smith.
\n\n\n\nIn the Army, Junior Enlisted personnel includes privates and specialists, ranging from E-1 to E-3. These ranks receive promotions based on their length of service and time in their current pay grade.
\n\n\n![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.06.24\u202fPM-edited.png\")
Privates (PVT), or E-1\u2019s, advance to Private 2nd Class (PV2), or E-2, after six months of service. While Private 2nd Class personnel typically attain the rank of Private First Class (PFC), or E-3, after reaching 12 months of service and four months in their grade. Furthermore, soldiers usually achieve the rank of Specialist (E-4) after completing a minimum of two years of service and undergoing specialized training.
\n\n\n\nHere are some general guidelines for understanding ranks for new enlistees in the Army.
\n\n\n\nSoldiers who enlist right after high school with no college experience, they will most likely be a PVT.
\n\n\n\nSoldiers enlisting with some experience in JROTC, they will most likely be a PV2.
\n\n\n\nIf a soldier enlisted with a college degree, they will be a SPC.
\n\n\n\nLike most other military branches, the Army designates all ranks E-4 and above as Non-Commissioned Officers (NCOs).
\n\n\n\nCorporals, E-4\u2019s are often referred to as junior NCOs. However, they are accorded the same level of respect as any other NCO.
\n\n\n![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.07.18\u202fPM-edited.png\")
Unit commanders have the authority to promote PFCs to the rank of Corporal once specific criteria are met:
\n\n\n\nE-5 is the first level where enlisted soldiers are referred to as Sergeant (SGT). Among the various grades of Non-Commissioned Officers (NCOs), this particular rank arguably holds the most significant influence over lower-ranking soldiers.
\n\n\n\nThe rank of Staff Sergeant (SSG) or E-6, is similar to that of Sergeant in terms of duties and responsibilities. Overall, the fundamental duties and responsibilities of all NCO ranks don\u2019t change, but there are important differences. Most notably, Staff Sergeants typically interact daily with larger groups of soldiers and are generally tasked with the upkeep of more equipment and other property.
\n\n\n![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.07.43\u202fPM-edited.png\")
Promotion to sergeant (SGT) and staff sergeant (SSG) differs from other ranks in that the promotion is determined through an Army-wide competition. This competition operates on a point system, with points awarded for various factors including firing range scores, performance evaluations, physical fitness, educational attainment, awards, and ranking in promotion boards.
\n\n\n\nCorporals and specialists must meet the following eligibility criteria:
\n\n\n\nSergeant First Class (SFC), or E-7 soldiers represent the first tier of senior NCO\u2019s. They aid platoon leaders in soldier training and welfare, functioning as the second-in-command within a platoon and often serving as Platoon Sergeants.
\n\n\n\nSimilar to the promotion process for junior enlisted ranks, commanders have the option to expedite the advancement of soldiers under certain circumstances.
\n\n\n\nMaster Sergeants (MSG), or E-8\u2019s serve as the primary NCO\u2019s at battalion, brigade, or higher levels, offering expertise and fulfilling various roles concurrently. While MSGs and first sergeants may share the E-8 pay grade, their authority and responsibilities differ.
\n\n\n![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.14.02\u202fPM.png\")
First Sergeants (1SG) play a vital role in the Army, conducting formations, guiding platoon sergeants, and supporting all enlisted personnel. As senior NCOs, they assist in company-level command.
\n\n\n![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/Screenshot-2024-04-08-at-3.14.20\u202fPM-edited.png\")
Sergeant Majors (SGM), E-9\u2019s, serve as subject matter experts, offering advice on policy development and exerting significant influence, particularly in battalion-level command. SGMs hold the highest enlisted rank pay grade of E-9.
\n\n\n\nCommand Sergeant Majors (CSM) provide professional guidance, oversee policy implementation, and train soldiers within enlisted ranks.
\n\n\n\nThe thirteen enlisted ranks within the U.S. Army are organized into three tiers. Junior Enlisted (E-1 through E-4) as they rise through the ranks. Followed by NCOs, who serve as the backbone of leadership (E-4 through E-6). And finally, Senior NCOs (E-7 through E-9), the officers with the most experience.
\nThe post Enlisted U.S. Army Ranks appeared first on Sandboxx.
\n", "content_text": "Before you or your trainee get to basic training, most people don\u2019t have a very thorough understanding of military ranks. Everybody recognizes the ones that commonly show up in movies like sergeant, captain, or admiral, but where they fall on the pecking order of different branches isn\u2019t all that clear. \n\n\n\nSo whether you don\u2019t know anything about military ranks, or you\u2019re just confused how to put them in order, here\u2019s a breakdown of the Army rank structure. \n\n\n\nArmy Grade & Rank\n\n\n\nGrade and rank correlate with each other, but there is a difference between the two. For example if your trainee is a Private (PVT) their grade will be an E-1. E-1 is short for enlisted pay grade one. Pay grade is important for figuring out the pay scale they are on, as the enlisted pay scale goes from E-1 to E-9. Thus, when your Soldier is promoted or advances to the next rank, they will be in the next higher pay grade. For example, if your PVT gets promoted to PV2, they will now be an E-2.\n\n\n\nSoldiers are not referred to as their pay grade, instead they are referred to as their rank. When you are referencing your Soldier, it is correct to refer to them as PVT Jones or PV2 Smith.\n\n\n\nJunior Enlisted Army Ranks\n\n\n\nIn the Army, Junior Enlisted personnel includes privates and specialists, ranging from E-1 to E-3. These ranks receive promotions based on their length of service and time in their current pay grade.\n\n\n\n\n\n\nPrivates (PVT), or E-1\u2019s, advance to Private 2nd Class (PV2), or E-2, after six months of service. While Private 2nd Class personnel typically attain the rank of Private First Class (PFC), or E-3, after reaching 12 months of service and four months in their grade. Furthermore, soldiers usually achieve the rank of Specialist (E-4) after completing a minimum of two years of service and undergoing specialized training.\n\n\n\nHere are some general guidelines for understanding ranks for new enlistees in the Army. \n\n\n\nSoldiers who enlist right after high school with no college experience, they will most likely be a PVT.\n\n\n\nSoldiers enlisting with some experience in JROTC, they will most likely be a PV2.\n\n\n\nIf a soldier enlisted with a college degree, they will be a SPC.\n\n\n\nNon-Commissioned Officer Army Ranks\n\n\n\nLike most other military branches, the Army designates all ranks E-4 and above as Non-Commissioned Officers (NCOs). \n\n\n\nE-4\n\n\n\nCorporals, E-4\u2019s are often referred to as junior NCOs. However, they are accorded the same level of respect as any other NCO.\n\n\n\n\n\n\nUnit commanders have the authority to promote PFCs to the rank of Corporal once specific criteria are met:\n\n\n\n\n26 months in service.\n\n\n\nAccumulation of six months’ time in grade, which can be waived to three months under certain circumstances.\n\n\n\nPossession of a security clearance suitable for the Military Occupational Specialty (MOS) in which the promotion is sought. In some cases, advancement may be facilitated by the granting of an interim security clearance.\n\n\n\n\nE-5 and E-6\n\n\n\nE-5 is the first level where enlisted soldiers are referred to as Sergeant (SGT). Among the various grades of Non-Commissioned Officers (NCOs), this particular rank arguably holds the most significant influence over lower-ranking soldiers.\n\n\n\nThe rank of Staff Sergeant (SSG) or E-6, is similar to that of Sergeant in terms of duties and responsibilities. Overall, the fundamental duties and responsibilities of all NCO ranks don\u2019t change, but there are important differences. Most notably, Staff Sergeants typically interact daily with larger groups of soldiers and are generally tasked with the upkeep of more equipment and other property.\n\n\n\n\n\n\nPromotion to sergeant (SGT) and staff sergeant (SSG) differs from other ranks in that the promotion is determined through an Army-wide competition. This competition operates on a point system, with points awarded for various factors including firing range scores, performance evaluations, physical fitness, educational attainment, awards, and ranking in promotion boards.\n\n\n\nCorporals and specialists must meet the following eligibility criteria:\n\n\n\n\nRecommendation from a commanding officer\n\n\n\n36 months of service\n\n\n\n8 months in current grade\n\n\n\nSuccessful completion of the Primary Leadership Development Course (PLDC)\n\n\n\nPossession of a high school diploma, GED equivalency, or college degree.\n\n\n\n\nStaff Sergeant candidates must meet the following eligibility criteria: \n\n\n\n\nRecommendation from a commanding officer\n\n\n\n84 months of service\n\n\n\n10 months in current grade\n\n\n\nSuccessful completion of the primary leadership development course (PLDC)\n\n\n\nPossess a high school diploma, GED equivalency or college degree\n\n\n\n\nSenior Non-Commissioned Officer Army Ranks\n\n\n\nE-7\n\n\n\nSergeant First Class (SFC), or E-7 soldiers represent the first tier of senior NCO\u2019s. They aid platoon leaders in soldier training and welfare, functioning as the second-in-command within a platoon and often serving as Platoon Sergeants. \n\n\n\nSimilar to the promotion process for junior enlisted ranks, commanders have the option to expedite the advancement of soldiers under certain circumstances.\n\n\n\nE-8\n\n\n\nMaster Sergeants (MSG), or E-8\u2019s serve as the primary NCO\u2019s at battalion, brigade, or higher levels, offering expertise and fulfilling various roles concurrently. While MSGs and first sergeants may share the E-8 pay grade, their authority and responsibilities differ.\n\n\n\n\n\n\nFirst Sergeants (1SG) play a vital role in the Army, conducting formations, guiding platoon sergeants, and supporting all enlisted personnel. As senior NCOs, they assist in company-level command. \n\n\n\n\n\n\nE-9\n\n\n\nSergeant Majors (SGM), E-9\u2019s, serve as subject matter experts, offering advice on policy development and exerting significant influence, particularly in battalion-level command. SGMs hold the highest enlisted rank pay grade of E-9.\n\n\n\nCommand Sergeant Majors (CSM) provide professional guidance, oversee policy implementation, and train soldiers within enlisted ranks. \n\n\n\nThe Bottom Line\n\n\n\nThe thirteen enlisted ranks within the U.S. Army are organized into three tiers. Junior Enlisted (E-1 through E-4) as they rise through the ranks. Followed by NCOs, who serve as the backbone of leadership (E-4 through E-6). And finally, Senior NCOs (E-7 through E-9), the officers with the most experience. \nThe post Enlisted U.S. Army Ranks appeared first on Sandboxx.", "date_published": "2024-04-08T16:14:46-04:00", "date_modified": "2024-04-08T17:02:47-04:00", "authors": [ { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" } ], "author": { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" }, "image": "https://www.sandboxx.us/wp-content/uploads/2024/04/8141838-scaled.jpg", "tags": [ "Basic Training" ] }, { "id": "https://www.sandboxx.us/?p=102478", "url": "https://www.sandboxx.us/blog/what-is-military-time/", "title": "What is Military Time?", "content_html": "![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/time-2587766_1280.jpg\")
In military settings, time is denoted using a 24-hour clock system rather than the conventional 12-hour format. You’ve likely become familiar with military time if your trainee has left for boot camp. This new method quickly becomes the norm for trainees, but it can be confusing at first.\u00a0
\n\n\n\nBelow, we\u2019re breaking down everything you need to know about military time, and providing some quick and easy tips on how to read it.
\n\n\n\nThe military uses the 24-hour clock system, commonly known as military time, to avoid confusion between morning and afternoon hours. This is essential because the military is in continuous operation 24 hours a day.
\n\n\n\nThe U.S. Navy began using the 24-hour clock in 1920, after becoming familiar with it during World War I. Followed by the U.S. Army officially adopting military time in 1942.
\n\n\n\nMilitary time looks a little complicated and confusing at first, so let\u2019s simplify it. To start, each hour has its own unique number. This eliminates the need for a.m. or p.m. designations. The day begins at midnight with 0000, pronounced as “zero hundred hours”. Each following hour is represented by adding one hundred, so 1 a.m. becomes 0100, and so on.\u00a0
\n\n\n\nTime is expressed in four digits without a colon, such as 0630 for 6:30 a.m. The simplicity continues through midday at 1200 hours. However, after noon, military time progresses chronologically, with 1 p.m. as 1300 hours, and so forth. The day concludes just before midnight at 2359, or twenty-three fifty-nine hours. To convert afternoon and evening hours to civilian time, simply subtract 12. For example, 2000 hours becomes 8
\n\n\n\nA trainee\u2019s day typically begins at what they term “O\u2019 dark thirty”, indicating an early start. This usually spans from midnight to 5 a.m. Despite early beginnings and late endings, this time is dedicated to their education and transformation from Trainee to Soldier.
\n\n\n\n| 12 Hour Clock | 24 Hour Clock | 12 Hour Clock | 24 Hour Clock | |
| 12:00 am | 0000 | 12:00 pm | 1200 | |
| 1:00 am | 0100 | 1:00 pm | 1300 | |
| 2:00 am | 0200 | 2:00 pm | 1400 | |
| 3:00 am | 0300 | 3:00 pm | 1500 | |
| 4:00 am | 0400 | 4:00 pm | 1600 | |
| 5:00 am | 0500 | 5:00 pm | 1700 | |
| 6:00am | 0600 | 6:00 pm | 1800 | |
| 7:00 am | 0700 | 7:00 pm | 1900 | |
| 8:00 am | 0800 | 8:00 pm | 2000 | |
| 9:00 am | 0900 | 9:00 pm | 2100 | |
| 10:00 am | 1000 | 10:00 pm | 2200 | |
| 11:00 am | 1100 | 11:00 pm | 2300 |
The post What is Military Time? appeared first on Sandboxx.
\n", "content_text": "In military settings, time is denoted using a 24-hour clock system rather than the conventional 12-hour format. You’ve likely become familiar with military time if your trainee has left for boot camp. This new method quickly becomes the norm for trainees, but it can be confusing at first.\u00a0\n\n\n\nBelow, we\u2019re breaking down everything you need to know about military time, and providing some quick and easy tips on how to read it.\n\n\n\nWhy Use Military Time?\n\n\n\nThe military uses the 24-hour clock system, commonly known as military time, to avoid confusion between morning and afternoon hours. This is essential because the military is in continuous operation 24 hours a day. \n\n\n\nThe U.S. Navy began using the 24-hour clock in 1920, after becoming familiar with it during World War I. Followed by the U.S. Army officially adopting military time in 1942.\n\n\n\nHow to Read Military Time\n\n\n\nMilitary time looks a little complicated and confusing at first, so let\u2019s simplify it. To start, each hour has its own unique number. This eliminates the need for a.m. or p.m. designations. The day begins at midnight with 0000, pronounced as “zero hundred hours”. Each following hour is represented by adding one hundred, so 1 a.m. becomes 0100, and so on.\u00a0\n\n\n\nTime is expressed in four digits without a colon, such as 0630 for 6:30 a.m. The simplicity continues through midday at 1200 hours. However, after noon, military time progresses chronologically, with 1 p.m. as 1300 hours, and so forth. The day concludes just before midnight at 2359, or twenty-three fifty-nine hours. To convert afternoon and evening hours to civilian time, simply subtract 12. For example, 2000 hours becomes 8 \n\n\n\nA trainee\u2019s day typically begins at what they term “O\u2019 dark thirty”, indicating an early start. This usually spans from midnight to 5 a.m. Despite early beginnings and late endings, this time is dedicated to their education and transformation from Trainee to Soldier.\n\n\n\nMilitary Time Chart\n\n\n\n12 Hour Clock24 Hour Clock12 Hour Clock24 Hour Clock12:00 am000012:00 pm12001:00 am01001:00 pm13002:00 am02002:00 pm14003:00 am03003:00 pm15004:00 am04004:00 pm16005:00 am05005:00 pm17006:00am06006:00 pm18007:00 am07007:00 pm19008:00 am08008:00 pm20009:00 am09009:00 pm210010:00 am100010:00 pm220011:00 am110011:00 pm2300\nThe post What is Military Time? appeared first on Sandboxx.", "date_published": "2024-04-05T10:33:01-04:00", "date_modified": "2024-04-05T10:33:10-04:00", "authors": [ { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" } ], "author": { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" }, "image": "https://www.sandboxx.us/wp-content/uploads/2024/04/time-2587766_1280.jpg", "tags": [ "Basic Training" ] }, { "id": "https://www.sandboxx.us/?p=102319", "url": "https://www.sandboxx.us/blog/how-does-military-retirement-pay-work/", "title": "How Does Military Retirement Pay Work?", "content_html": "![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/money-2724241_1280.jpg\")
Among the benefits that come with military service, military retirement pay is often at the top of the list. Even better, military retirements enjoy protection from inflation through annual Cost of Living Adjustments (COLAs). Let\u2019s look at what makes up military retirement pay. Then we’ll cover why it\u2019s important, and how to make the most of these benefits if you\u2019re considering a career in the military.\u00a0
\n\n\n\nIn 2018, the United States military underwent a significant transformation in its approach to military retirement pay planning. This led to the introduction of the Blended Retirement System (BRS). Transitioning from the traditional 20-year cliff-vesting pension system marked a shift towards a more flexible military retirement pay framework. Understanding the this new system can feel overwhelming, but it\u2019s essential for service members as they navigate their career paths and plan for their financial futures.
\n\n\n\nFor decades, the military’s retirement system revolved around the concept of a 20-year cliff-vesting pension. With this option, service members became eligible for retirement benefits after completing 20 years of service. While this system provided a stable and guaranteed source of income for career personnel, it also posed challenges for those who left the military before reaching the 20-year mark, offering no retirement benefits.
\n\n\n\nRecognizing the need for a more inclusive and adaptable retirement system, Congress enacted the National Defense Authorization Act (NDAA) of 2016, paving the way for the implementation of the Blended Retirement System.
\n\n\n\nThe Blended Retirement System introduced several fundamental changes aimed at modernizing military retirement pay and planning.\u00a0
\n\n\n\nDefined Benefit: If you retire from active duty at 20 years under the BRS, you receive 40 percent of the average of your highest 36 months of basic pay as your defined benefit. This percentage increases by 2 percent for each additional year of service. That pay will start immediately after your retirement and will be a monthly payment for the duration of your life.\u00a0\u00a0
\n\n\n\nDefined Contribution Component: Unlike the traditional pension system, the BRS incorporates a defined contribution component. This is called the Thrift Savings Plan (TSP), a retirement and savings plan. The plan offers Federal employees the same type of tax benefits and savings as a 401K. Under the BRS, after 60 days of service, service members are automatically enrolled in the TSP. With that they begin receiving government matched contributions for their own contributions, up to five percent of their pay.\u00a0 For example, when you contribute 2% of your pay, there is an automatic 2% contribution match combined with the 1% automatic contribution. That total now goes to 6%.\u00a0
\n\n\n\nContinuation Pay: To incentivize retention beyond the initial years of service, the BRS offers a one-time Continuation Pay bonus. This option is offered to service members who commit to serving an additional period of service. The bonus is payable upon reaching specific career milestones, typically around the 12-year mark.
\n\n\n\nPortable Retirement Benefits: One of the most significant advantages of the BRS is its portability. Service members who leave the military before reaching 20 years of service can still retain their TSP accounts and the government matching contributions. This provides a valuable retirement savings vehicle regardless of their length of service.
\n\n\n\nFinancial Literacy Training: Recognizing the importance of financial preparedness, the BRS includes mandatory financial literacy training for all service members. This training equips personnel with the knowledge and tools necessary to make informed decisions about their military retirement pay, planning, investment strategies, and overall financial well-being.
\n\n\n\nOpt-In and Opt-Out Flexibility: Service members entering the military after January 1, 2018, are automatically enrolled in the BRS. Those with prior service have the option to opt into the new system or remain under the legacy pension system. This flexibility allows individuals to choose the retirement plan that best aligns with their career goals and financial objectives.
\n\n\n\nTo make the most of the new framework for military retirement pay, service members should consider the following steps:
\n\n\n\nEducate Yourself: Take advantage of the resources and training available. It’s important to understand the nuances of the BRS, including its impact on retirement benefits, eligibility criteria, and available options.
\n\n\n\nAssess Your Goals: Evaluate your career aspirations, financial goals, and long-term plans. Then, determine whether the BRS aligns with your objectives. Consider factors such as length of service, likelihood of reaching the 20-year mark, and appetite for investment risk.
\n\n\n\nUtilize Tools and Calculators: Use online calculators and retirement planning tools provided by the military. These can help you estimate the potential benefits of the BRS compared to the legacy pension system. These tools can help you make informed decisions about opting into or remaining under the new retirement framework.
\n\n\n\nSeek Guidance: Consult with financial advisors, counselors, or peers who are knowledgeable about the BRS. Their expertise can help you navigate the complexities of military retirement pay and make informed choices.
\n\n\n\nWhen it comes to military retirement pay and planning, military personnel have some of the best options compared to other industries. The introduction of the BRS has brought flexibility and empowerment to service members, allowing them to tailor their retirement strategies to align with their goals. It’s crucial to understand your choices, set goals, and calculate your retirement pay. By staying informed, you can confidently pave the path to a secure retirement.
\nThe post How Does Military Retirement Pay Work? appeared first on Sandboxx.
\n", "content_text": "Among the benefits that come with military service, military retirement pay is often at the top of the list. Even better, military retirements enjoy protection from inflation through annual Cost of Living Adjustments (COLAs). Let\u2019s look at what makes up military retirement pay. Then we’ll cover why it\u2019s important, and how to make the most of these benefits if you\u2019re considering a career in the military.\u00a0\n\n\n\nGet to Know Military Retirement\n\n\n\nIn 2018, the United States military underwent a significant transformation in its approach to military retirement pay planning. This led to the introduction of the Blended Retirement System (BRS). Transitioning from the traditional 20-year cliff-vesting pension system marked a shift towards a more flexible military retirement pay framework. Understanding the this new system can feel overwhelming, but it\u2019s essential for service members as they navigate their career paths and plan for their financial futures.\n\n\n\nFor decades, the military’s retirement system revolved around the concept of a 20-year cliff-vesting pension. With this option, service members became eligible for retirement benefits after completing 20 years of service. While this system provided a stable and guaranteed source of income for career personnel, it also posed challenges for those who left the military before reaching the 20-year mark, offering no retirement benefits.\n\n\n\nRecognizing the need for a more inclusive and adaptable retirement system, Congress enacted the National Defense Authorization Act (NDAA) of 2016, paving the way for the implementation of the Blended Retirement System.\n\n\n\nThe Blended Retirement System\n\n\n\nThe Blended Retirement System introduced several fundamental changes aimed at modernizing military retirement pay and planning.\u00a0\n\n\n\nDefined Benefit: If you retire from active duty at 20 years under the BRS, you receive 40 percent of the average of your highest 36 months of basic pay as your defined benefit. This percentage increases by 2 percent for each additional year of service. That pay will start immediately after your retirement and will be a monthly payment for the duration of your life.\u00a0\u00a0\n\n\n\nDefined Contribution Component: Unlike the traditional pension system, the BRS incorporates a defined contribution component. This is called the Thrift Savings Plan (TSP), a retirement and savings plan. The plan offers Federal employees the same type of tax benefits and savings as a 401K. Under the BRS, after 60 days of service, service members are automatically enrolled in the TSP. With that they begin receiving government matched contributions for their own contributions, up to five percent of their pay.\u00a0 For example, when you contribute 2% of your pay, there is an automatic 2% contribution match combined with the 1% automatic contribution. That total now goes to 6%.\u00a0\n\n\n\nContinuation Pay: To incentivize retention beyond the initial years of service, the BRS offers a one-time Continuation Pay bonus. This option is offered to service members who commit to serving an additional period of service. The bonus is payable upon reaching specific career milestones, typically around the 12-year mark.\n\n\n\nPortable Retirement Benefits: One of the most significant advantages of the BRS is its portability. Service members who leave the military before reaching 20 years of service can still retain their TSP accounts and the government matching contributions. This provides a valuable retirement savings vehicle regardless of their length of service.\n\n\n\nFinancial Literacy Training: Recognizing the importance of financial preparedness, the BRS includes mandatory financial literacy training for all service members. This training equips personnel with the knowledge and tools necessary to make informed decisions about their military retirement pay, planning, investment strategies, and overall financial well-being.\n\n\n\nOpt-In and Opt-Out Flexibility: Service members entering the military after January 1, 2018, are automatically enrolled in the BRS. Those with prior service have the option to opt into the new system or remain under the legacy pension system. This flexibility allows individuals to choose the retirement plan that best aligns with their career goals and financial objectives.\n\n\n\nThe Transition to Military Retirement\n\n\n\nTo make the most of the new framework for military retirement pay, service members should consider the following steps:\n\n\n\nEducate Yourself: Take advantage of the resources and training available. It’s important to understand the nuances of the BRS, including its impact on retirement benefits, eligibility criteria, and available options.\n\n\n\nAssess Your Goals: Evaluate your career aspirations, financial goals, and long-term plans. Then, determine whether the BRS aligns with your objectives. Consider factors such as length of service, likelihood of reaching the 20-year mark, and appetite for investment risk.\n\n\n\nUtilize Tools and Calculators: Use online calculators and retirement planning tools provided by the military. These can help you estimate the potential benefits of the BRS compared to the legacy pension system. These tools can help you make informed decisions about opting into or remaining under the new retirement framework.\n\n\n\nSeek Guidance: Consult with financial advisors, counselors, or peers who are knowledgeable about the BRS. Their expertise can help you navigate the complexities of military retirement pay and make informed choices.\n\n\n\nThe Bottom Line\n\n\n\nWhen it comes to military retirement pay and planning, military personnel have some of the best options compared to other industries. The introduction of the BRS has brought flexibility and empowerment to service members, allowing them to tailor their retirement strategies to align with their goals. It’s crucial to understand your choices, set goals, and calculate your retirement pay. By staying informed, you can confidently pave the path to a secure retirement.\nThe post How Does Military Retirement Pay Work? appeared first on Sandboxx.", "date_published": "2024-04-02T13:47:27-04:00", "date_modified": "2024-04-02T13:48:17-04:00", "authors": [ { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" } ], "author": { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" }, "image": "https://www.sandboxx.us/wp-content/uploads/2024/04/money-2724241_1280.jpg", "tags": [ "Finance" ] }, { "id": "https://www.sandboxx.us/?p=102295", "url": "https://www.sandboxx.us/blog/what-does-the-military-pay/", "title": "What Does the Military Pay?", "content_html": "![\"\"](\"https://www.sandboxx.us/wp-content/uploads/2024/04/pexels-tima-miroshnichenko-6266283-scaled.jpg\")
Military pay is a critical aspect of compensation for service members. However, understanding military pay can be daunting and feel overcomplicated. We\u2019re breaking down military pay and the different factors that make up total compensation for service members.\u00a0\u00a0
\n\n\n\nAt the core of military compensation is basic pay, which serves as the foundation of a service member’s earnings. Basic pay is determined by rank and years of service, with higher ranks and longer tenures being directly related to increased pay. Military pay scales are publicly available and are regularly updated to reflect changes in cost of living and legislation. You can view the most current pay chart here. You’ll see this has changed quite a bit since 2022.
\n\n\n\nIn addition to basic pay, service members receive various allowances to offset expenses incurred during their service. These allowances include the following:
\n\n\n\nHousing Allowance (BAH): BAH is provided to service members who are not provided government housing. The amount is based on location, rank, and dependency status, aiming to cover housing costs in the civilian community. To view current housing rates click here.
\n\n\n\nSubsistence Allowance (BAS): BAS is designed to offset the cost of food for service members. Unlike BAH, BAS is not affected by location and is provided at a flat rate. The 2024 rate for BAS is $316.98 for Officers and $460.25 for Enlisted per month.
\n\n\n\nCost of Living Allowance (COLA): COLA is provided to service members stationed in high-cost areas outside the continental United States, aiming to maintain purchasing power comparable to living in the continental U.S.
\n\n\n\nService members may be eligible for special pays and incentives based on their skills, duties, or assignments. Examples include hazardous duty pay, combat pay, and reenlistment bonuses.
\n\n\n\nBonuses and Special Compensation: Service members may also receive bonuses and special compensation for certain skills, assignments, or circumstances. These include:
\n\n\n\nSigning Bonuses: Offered to individuals who enlist or reenlist in critical occupations or during times of manpower shortage.
\n\n\n\nCareer Field Bonuses: Service members in specific career fields may receive bonuses to incentivize retention or fill critical skill gaps.
\n\n\n\nSpecial Duty Assignment Pay (SDAP): SDAP is provided to service members who perform duties designated as unusually demanding or requiring special qualifications.
\n\n\n\nWhile military pay is generally not subject to state income taxes in some states, federal income taxes still apply. Additionally, service members may have deductions for various benefits and services, such as:
\n\n\n\nThrift Savings Plan (TSP) Contributions: Similar to a civilian 401(k), service members can contribute to their TSP to save for retirement.
\n\n\n\nServicemembers Group Life Insurance (SGLI): Service members have the option to enroll in life insurance coverage through SGLI, with premiums deducted from their pay.
\n\n\n\nUniform Allowance: Some service branches provide an annual allowance to assist with the cost of purchasing and maintaining uniforms.
\n\n\n\nUnderstanding military pay is essential for service members to manage their finances effectively and maximize their compensation. While the system may seem complex, taking the time to understand total compensation is in your best interest. Learning the system empowers you to ensure you make the most of the resources available to you, and receive fair compensation for your dedication and sacrifice to our country.
\nThe post What Does the Military Pay? appeared first on Sandboxx.
\n", "content_text": "Military pay is a critical aspect of compensation for service members. However, understanding military pay can be daunting and feel overcomplicated. We\u2019re breaking down military pay and the different factors that make up total compensation for service members.\u00a0\u00a0\n\n\n\nWhat\u2019s Included In Military Pay?\n\n\n\nAt the core of military compensation is basic pay, which serves as the foundation of a service member’s earnings. Basic pay is determined by rank and years of service, with higher ranks and longer tenures being directly related to increased pay. Military pay scales are publicly available and are regularly updated to reflect changes in cost of living and legislation. You can view the most current pay chart here. You’ll see this has changed quite a bit since 2022. \n\n\n\nMilitary Pay Allowances\n\n\n\nIn addition to basic pay, service members receive various allowances to offset expenses incurred during their service. These allowances include the following:\n\n\n\nHousing Allowance (BAH): BAH is provided to service members who are not provided government housing. The amount is based on location, rank, and dependency status, aiming to cover housing costs in the civilian community. To view current housing rates click here.\n\n\n\nSubsistence Allowance (BAS): BAS is designed to offset the cost of food for service members. Unlike BAH, BAS is not affected by location and is provided at a flat rate. The 2024 rate for BAS is $316.98 for Officers and $460.25 for Enlisted per month. \n\n\n\nCost of Living Allowance (COLA): COLA is provided to service members stationed in high-cost areas outside the continental United States, aiming to maintain purchasing power comparable to living in the continental U.S.\n\n\n\nService members may be eligible for special pays and incentives based on their skills, duties, or assignments. Examples include hazardous duty pay, combat pay, and reenlistment bonuses.\n\n\n\nBonuses and Special Compensation: Service members may also receive bonuses and special compensation for certain skills, assignments, or circumstances. These include:\n\n\n\nSigning Bonuses: Offered to individuals who enlist or reenlist in critical occupations or during times of manpower shortage.\n\n\n\nCareer Field Bonuses: Service members in specific career fields may receive bonuses to incentivize retention or fill critical skill gaps.\n\n\n\nSpecial Duty Assignment Pay (SDAP): SDAP is provided to service members who perform duties designated as unusually demanding or requiring special qualifications.\n\n\n\nMilitary Pay & Taxes\n\n\n\nWhile military pay is generally not subject to state income taxes in some states, federal income taxes still apply. Additionally, service members may have deductions for various benefits and services, such as:\n\n\n\nThrift Savings Plan (TSP) Contributions: Similar to a civilian 401(k), service members can contribute to their TSP to save for retirement.\n\n\n\nServicemembers Group Life Insurance (SGLI): Service members have the option to enroll in life insurance coverage through SGLI, with premiums deducted from their pay.\n\n\n\nUniform Allowance: Some service branches provide an annual allowance to assist with the cost of purchasing and maintaining uniforms.\n\n\n\nThe Bottom Line\n\n\n\nUnderstanding military pay is essential for service members to manage their finances effectively and maximize their compensation. While the system may seem complex, taking the time to understand total compensation is in your best interest. Learning the system empowers you to ensure you make the most of the resources available to you, and receive fair compensation for your dedication and sacrifice to our country.\nThe post What Does the Military Pay? appeared first on Sandboxx.", "date_published": "2024-04-01T10:02:45-04:00", "date_modified": "2024-04-01T10:02:52-04:00", "authors": [ { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" } ], "author": { "name": "Kris Broadus", "url": "https://www.sandboxx.us/author/kris-broadus/", "avatar": "https://www.sandboxx.us/wp-content/uploads/2024/04/T02FTFJ5M-U03F8GGSV1Q-3d2dce03f823-512.png" }, "image": "https://www.sandboxx.us/wp-content/uploads/2024/04/pexels-tima-miroshnichenko-6266283-scaled.jpg", "tags": [ "Finance" ] } ] }