Fiscal Foxhole

Rob Moore and Omen Quelvog
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Hosted by Army Veteran Rob Moore MQFP®, and Marine Veteran Omen Quelvog CFP® MQFP®, 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. 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.

  1. CPA?! I don't need no stinkin' CPA!

    5 DAYS AGO

    CPA?! I don't need no stinkin' CPA!

    Episode 22: CPA?! I don’t need no stinking CPA! In this episode of The Fiscal Foxhole, Rob Moore and Omen Quelvog kick things off with some real‑life resilience checks (broken laptops, freezing runs) before diving into lessons from the Super Bowl, the markets, and—most importantly—tax season. 🎯 What We Cover Super Bowl bets & lessons learned The guys recap their Super Bowl prop‑bet challenge, explain why the casino always wins, and use it as a real‑world reminder about probabilities, risk, and discipline. A surprising Super Bowl commercial: “Trump Accounts” A commercial sparks a discussion on new savings vehicles for kids, how Trump Accounts compare to 529s, Roth IRAs, and UTMA accounts, and why you should always start with the end goal in mind. Free money matters—but so do the rules. This Date in History February 20, 1962: John Glenn becomes the first American to orbit Earth, a reminder of preparation, courage, and long‑term thinking. Market headlines vs. reality A Wall Street Journal article claims the market is getting “shaky.” Rob and Omen break down why boring, diversified investing keeps working—even when hot AI stocks swing wildly—and why turning off the news may be the smartest move you make. Main Topic: DIY Taxes Gone Wild The heart of the episode: seven common mistakes DIY taxpayers make and the warning signs that it’s time to call in a pro, including: Confusing 401(k)/TSP contributions with deductible IRAsTaking IRA deductions you’re not eligible forContributing to a Roth IRA when income limits say you can’tMissing Form 8606 and getting taxed twiceFailing to track cost basisOwning rental property and not depreciating itUnderestimating how complexity increases audit riskThe takeaway: saving a few hundred dollars on tax prep can cost you far more in missed benefits, penalties, stress, and time. ❓Trivia Challenge How often does the IRS audit people making over $10 million a year? The answer may surprise you. ✅ Key Takeaways “Exciting” investing cuts both ways—boring diversification survives chaos.DIY taxes only work if you truly understand the rules.The IRS tracks everything eventually—basis, depreciation, and eligibility all matter.🧾Our Articles on Trump Accounts: Omen: Trump Accounts: A Military Parent’s Practical GuideRob: Trump Accounts and Alternatives📩 Connect With Us Have a question you want answered on the show? Email fiscalfoxhole@gmail.com. Book a meeting with OmenBook a meeting with Rob⭐ Support the Show If you enjoy The Fiscal Foxhole, please rate the podcast on Apple Podcasts or your favorite platform. It helps more people find the show—and keeps us in the financial trenches with you.

    1h 15m
  2. Money, Marriage, and Meaningful Conversations

    11 FEB

    Money, Marriage, and Meaningful Conversations

    Hosts: Rob Moore & Omen Quelvog Theme: Valentine’s Day edition — the money conversations couples need to have (but often avoid) Episode Overview Money is rarely just about math. More often, it represents security, freedom, control, or peace of mind—and when couples don’t talk about those meanings, friction quietly builds. In this Valentine’s Day–themed episode of The Fiscal Foxhole, Rob and Omen move past budgets and spreadsheets to focus on the deeper financial conversations that shape healthy relationships. Drawing from personal experiences, client conversations, and plenty of foxhole banter, they walk through ten powerful discussion points designed to help couples understand each other’s financial wiring and align on the future. This isn’t about being “right” with money. It’s about being aligned. ❤️ Key Topics Foundational Conversations What money looked like growing up—and how that shapes behavior todayWhat money represents (security, freedom, opportunity, control)Saver vs. spender dynamics and why neither is “wrong”How each partner emotionally and strategically views debtWhat “normal spending” actually feels likeGoals & Values What are you actually working toward with your money?If you had to give away $1 million, who would get it—and why?If money weren’t a barrier, what would you do or buy first?How clarity around goals reduces resentment and conflictSelf‑Awareness What you’re good at with moneyWhat needs improvementWhy self‑reflection matters more than criticizing your partner 📰 Headline of the Day “I Used AI to Buy a Car—Here’s Where It Works and Where It Doesn’t” (Investopedia) A discussion on using AI as a co‑pilot in car buying—great for research, pricing, and pressure‑management scripts, but not a replacement for judgment or personal context. 🏛️ This Day in History February 14, 1778 — The French Navy salutes the USS Ranger under John Paul Jones, marking the first foreign recognition of the U.S. flag. ✅ Practical Takeaways Most financial conflict starts with unspoken assumptions, not bad mathMoney conversations are about meaning, not just mechanicsTransparency matters more than whether finances are joint or separateShared goals make saving and spending decisions easierAlignment beats perfection every time 📬 Stay Connected Questions for the show? 📧 fiscalfoxhole@gmail.com Book a meeting with Omen Booke a meeting with Rob If this episode resonated, share it with a friend or fellow service member, and don’t forget to subscribe, follow, and leave a review. ⚠️ Disclaimer This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but they are not your advisors. Please consult a qualified professional before making financial decisions.

    1h 11m
  3. Over/Under You Wallet - The Gambling Episode

    4 FEB

    Over/Under You Wallet - The Gambling Episode

    🎙️ Episode 20: Over/Under Your Wallet Hosts: Omen Quelvog & Rob Moore February 4th, 2026 ⚠️ Gambling Help & Support Resources (Please Read First) If you or someone you care about may be struggling with gambling, confidential help is available right now: National Problem Gambling Helpline (US): 1‑800‑GAMBLER (1‑800‑426‑2537)Text or Chat: https://www.1800gambler.netMilitary OneSource: https://www.militaryonesource.mil (free, confidential counseling)TRICARE / Military Treatment Facility: Ask your provider about behavioral health supportChaplain Services: Confidential support for service members and families🎙️ Episode Overview In this episode of The Fiscal Foxhole, Omen and Rob tackle a difficult but timely topic: the normalization of gambling in everyday life, especially as we approach the Super Bowl, March Madness, and other major sporting events. What used to require travel, cash, and public visibility is now instant, private, and always in your pocket. The hosts explore how that loss of friction has real consequences—not just financially, but emotionally, relationally, and professionally—particularly for military families. Along the way, they connect gambling behavior to rising credit card debt, stress, financial secrecy, and the very human tendency to believe “this time it’s different.” 🧠 Key Topics Discussed 💳 Credit Card Debt in America Americans now carry $1.21 trillion in credit card debt, with 73% reportedly tied to “essentials.”Why labeling debt as “mandatory spending” can sometimes hide visibility and budgeting issues.🎰 Gambling Has Changed (and That’s the Problem) Gambling didn’t get more dangerous—the barriers disappeared.Sports betting apps remove friction, privacy checks, and social visibility.Gambling is now marketed as “prediction markets” and financial products.🧠 Addiction, Dopamine, and Personality Recognizing how gambling feels when it’s healthy vs. when it’s not.Warning signs: anger, chasing losses, secrecy, and emotional swings.Why knowing who you are matters more than knowing the odds.✅ Practical Takeaways If gambling fits in your budget, you must also be okay losing 100% of it.Do it in the open—secrecy is a major warning sign.Freedom isn’t doing whatever we want—it’s doing what we ought to do to protect our future.📣 Sponsor This episode is brought to you by the Military Financial Advisors Association (MFAA)—a global network of independent, fee‑only fiduciary advisors who specialize in serving military families. Learn more at https://militaryfinancialadvisors.org 📬 Stay Connected Have a question or topic you’d like covered on the show? Email us: fiscalfoxhole@gmail.comBook a meeting with OmenBook a meeting with Rob

    1h 27m
  4. Credit, Courage, and the Cost of Convenience - w/ Lacey Langford

    28 JAN

    Credit, Courage, and the Cost of Convenience - w/ Lacey Langford

    Guest: Lacey Langford, Host of the Milmo Show® 📌 Episode Summary In today’s packed episode, Rob and Omen crawl back into the foxhole to tackle one of the most misunderstood financial tools in the military community: credit. And they brought reinforcements. Joining them in the foxhole is Lacey Langford — Air Force veteran, financial counselor, host of The MILMO Show, and founder of MilMoneyCon. Lacey brings honest, practical, and much‑needed wisdom about how service members can avoid the traps of credit misuse and instead build credit on their terms. 🏡 Headline of the Week: “Is Home Equity Fake Wealth?” — by Nick Magguilli Rob and Omen unpack why skyrocketing home prices don’t automatically translate into real purchasing power. Key points discussed: 🎙️ Interview with Lacey Langford 🔥 Part 1: The Dark Side of Credit Lacey recounts real‑world issues she’s seen repeatedly in the military community. Her biggest message: “Whatever you’re dealing with — it is fixable. But you have to show up.” 📘 Part 2: Buy Now, Pay Later — Lacey's “Hard Nope” When Omen mentions Klarna and Afterpay, Lacey’s blood pressure visibly spikes. Her verdict: “BNPL is just a payday loan wearing makeup.” 💡 Part 3: The Good Side of Credit Credit can help if used the right way. She also warns about the “credit card rewards hype machine,” especially in military circles. 🪖 Part 4: What Leaders Should Watch For Leaders can catch issues early by noticing: Eating every meal outSkipping mealsHer advice to leaders: Address issues through education, not embarrassmentNormalize your own financial mistakes 🌟 Parting Wisdom: “Do It Scared.” Lacey leaves listeners with a message worth framing: “If you’re scared of money, scared of asking for help, or scared of facing your credit — do it scared. Each rep gets easier.” 📚 Resources Mentioned The MILMO Show: Home - MILMOMilitary Financial Advisors Association (MFAA): Your Home Base for Genuine Financial Advice - Military Financial Advisors AssociationMilMoneyCon Conference: Home - MilMoneyCon 📝 Key Takeaways 1️⃣ If everything rises, nothing rises. 2️⃣ Credit trouble starts with convenience, not carelessness. 3️⃣ Buy Now Pay Later turns choices into obligations. 📧 Feedback & Questions Have thoughts on today’s episode? Email us at FiscalFoxhole@gmail.com Book a meeting with Omen Book a meeting with Rob

    1h 20m
  5. Making Goals Work Even When Orders Change

    21 JAN

    Making Goals Work Even When Orders Change

    Episode 18: Making Goals Work Even When Orders Change Hosts: Rob Moore & Omen Quelvog 🔧 Episode Summary In this episode, Rob and Omen dig into why most New Year’s resolutions fall apart by “Quitter’s Day,” how motivation is a terrible long‑term strategy, and why boring, repeatable systems are the real recipe for success. The guys also recap an intense wildcard football weekend, react to a listener’s comment on student loans, and break down a headline about government employees and Roth conversions heading into 2026. A “Day in History” segment explores the execution of King Louis XVI and its surprising connection to U.S. independence. Then, they move into the core discussion on goal setting, behavioral systems, leading/lagging indicators, and identity‑based habits. As always, the show wraps with the Trivia Challenge—this one involving gym memberships and New Year’s resolutions. 🎯 Opening Banter Running motivation and “the boring parts” of self‑improvementSocial media engagement—student loan reactionsWildcard playoff weekend recapWhy Rob’s wife warned him not to post a controversial clipChurch sermon series on money & its surprising alignment with wise financial principles 📰 This Week’s Headline Why Government Employees Should Think Carefully About Roth Conversions Before 2026 🏆 Main Topic: Why Goals Fail — and How to Make Them Work The Motivation Problem Why Most Goals Break 🔺 The FOXHOLE Method: O.P.S. Objective – What problem are you really solving?Process – Build a system that runs without motivationSustainment – Can you maintain it for 12 months?Start Small (Really Small) Turn Goals Into Systems Tracking Progress Leading Indicators (early warnings): Lagging Indicators (problems already here): Identity‑Based Goal Setting 📌 Key Takeaways Roth conversions aren’t magic—especially for high‑earning government workers nearing retirement. Plan carefully.Systems beat motivation—every time. Automate small steps and anchor them into your real life.Success is boring on purpose. Sustainable habits look like slow, unsexy steps repeated long enough to matter. CONNECT Book a meeting with OmenBook a meeting with RobDinkytown calculatorsRob’s article “The Least You Can Do” 📬 Have a Question? Email us at fiscalfoxhole@gmail.com and we may feature your question in an upcoming episode.

    1h 12m
  6. Should you stay past 20? w/ guest Brandon Lovingier

    14 JAN

    Should you stay past 20? w/ guest Brandon Lovingier

    Should You Stay Past 20? Military Retirement, Career Choices & Market Lessons with guest Brandon Lovingier 🎙️ Hosts Rob MooreOmen Quelvog Episode Summary In this episode, Rob and Omen kick off the new year with reflections on career decisions, market lessons from 2025, and a deep dive into military retirement choices. They welcome back their first-ever guest, Brandon Lovingier, for a candid conversation about the decision to stay in the military past 20 years—and what really matters when making big life changes. Featured Guest Brandon Lovingier (EnlistedMoney.com)Army Veteran/financial educator Topics Covered New Year’s Resolutions & Quitter’s Day: How to stick with goals and why January 9th mattersUS Independence & History: Fun fact—Continental Congress ratified the Treaty of Paris on January 14, 1784Market Review 2025:Tariffs, volatility, and surprising returnsWhy staying invested beats market timingSector highlights: Tech & CommunicationsThe Callan Periodic Table and asset class rotationMilitary Retirement Decisions:Should you stay past 20 years?Financial vs. personal factorsThe value of knowing your expensesBuilding a “retirement to” career, not just retiring from oneFamily conversations and impactThe reality of promotions, pensions, and career flexibilityTrivia Challenge:MRE favorites—Chili Mac wins!Fun stories from military life Key Takeaways Past performance isn’t a predictor: Markets rarely follow forecasts; staying invested matters more than timing.Career flexibility vs. financial upside: Promotions and extra years often offer less benefit than expected; retiring sooner can create more options.Values first: Decisions about staying in or getting out should start with your values, purpose, and family—not just money. CONNECT! Brandon Lovingier: EnlistedMoney.comMilitary Financial Advisors Association: https://militaryfinancialadvisors.orgBook a meeting with OmenBook a meeting with RobEmail questions to: fiscalfoxhole@gmail.com Disclaimer This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but are not your advisors. Consult a qualified professional for advice tailored to your situation.

    1h 15m
  7. New Year, New Limits!

    7 JAN

    New Year, New Limits!

    Hosts: Omen Quelvog & Rob Moore Release Date: January 7 2026 Student Loan Crisis:Wage garnishment for federal student loans resumes in JanuaryWhat “default” means (270+ days behind) and how to avoid itActionable steps for borrowers in trouble:Seek help—reach out to financial counselors, advisors, or trusted professionalsUpdate your contact info with loan servicersApply for income-driven repayment plansConsider consolidation Explore disability discharge options for veterans (tax-free for 100% P&T VA ratings)Last resort: loan rehab/consolidationNew Year, New Limits:Deep dive into the latest IRS contribution limits for 2026:401(k), 403(b), TSP, 457(b), and IRA updatesSpecial catch-up rules for ages 50+ and the “super catch-up” for ages 60–63Roth catch-up requirements for high earners ($150,000+ FICA wages)Annual additions limit ($72,000) and how it aggregates across multiple plansMilitary & Financial Planning:PSLF for military service and how Army forgiveness differs (taxable vs. non-taxable)Strategies for maximizing workplace and IRA contributions when juggling multiple plansOrder of Operations:How to prioritize workplace plans vs. IRAsSpousal IRA eligibility and maximizing family contributionsAvoiding over-contributions and understanding “true-up” provisionsTrivia Challenge:What percentage of U.S. civilian workers with access to a workplace retirement plan actually participate? Off-Duty Segment:Reflections on military leave, business refreshes, and favorite movies (including “Nobody 2” and Netflix’s “Elway” documentary) 💡 Practical Takeaways Student loan wage garnishment is back—take action now if you’re at risk.Know your contribution limits and plan aggregation rules to avoid penalties and maximize employer matches.Plan your contributions and taxes deliberately—don’t “wing it” and risk costly mistakes. 📝 Resources & Links Forbes: Wage Garnishment for Student Loans Starts in JanuaryMilitary Financial Advisors AssociationSavings Cascade ArticleBook a meeting with Rob MooreBook a meeting with Omen Quelvog ⚠️ Disclaimer This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but are not your advisors. Consult a qualified professional for advice tailored to your situation.

    1h 11m
  8. New Years Predictions!

    31/12/2025

    New Years Predictions!

    Episode 15 - New Years Predictions! Episode Title: New Year’s Predictions & Financial Twists for 2026 Hosts: Omen Quelvog & Rob Moore Episode Overview Cheers and Happy New Year from the Fiscal Foxhole! In this special New Year’s Eve episode, Omen and Rob kick off 2026 with a lively round of predictions, financial headlines, and a friendly competition—pitting their own forecasts against those of an AI chatbot. From mortgage rates and Super Bowl picks to the fate of Bitcoin and Taylor Swift’s relationship, this episode blends financial insight with fun, banter, and a look ahead at what might shape the coming year. Key Segments Opening Banter & Reflections Hosts share personal New Year’s stories, including family traditions and memorable moments.Reflections on the past year’s growth, both for the podcast and personally.Headlines of the Week Mortgage Rates: Discussion of stagnant rates, the likelihood of returning to 6%, and the factors influencing borrowing costs.Military Pay & Benefits: NDAA passes with a 3.8% pay raise for troops; BAH rates see a 4.2% nationwide bump.2026 Predictions Competition Format: Omen, Rob, and an AI chatbot each make predictions on a series of questions, with plans to revisit results next year.Sample Questions:How many times will President Trump say “tremendous”? Who wins the Super Bowl? Will the Fed cut rates more than it hikes? Will the US experience a technical recession? How many days will the government be shut down? Will Bitcoin break $125K and $50K in the same year? What’s the risky investment fad of 2026? Speed round: Mortgage rates, OpenAI vs. Microsoft revenue, military pay raise, home prices, and the Taylor Swift/Travis Kelce relationship.Key Takeaways The real risk in home buying isn’t the rate—it’s delaying a decision that fits your life.Predictions are fun but highlight how much is outside our control; sound planning is about preparation, not guessing.Markets don’t care about your predictions, but it’s still worth thinking ahead.Listener Engagement Questions: Send your questions to fiscalfoxhole@gmail.com for a chance to be featured on the show.Work With Us:Connect with OmenConnect with RobDisclaimer Rob Moore and Omen Quelvog are registered investment advisor representatives. This podcast is for educational and entertainment purposes only. Nothing you hear should be taken as specific investment, legal, or tax advice. Please consult a qualified professional for guidance tailored to your situation.

    58 min
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About

Hosted by Army Veteran Rob Moore MQFP®, and Marine Veteran Omen Quelvog CFP® MQFP®, 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. 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.

Information

  • Creator
    Rob Moore and Omen Quelvog
  • Years Active
    2025 - 2026
  • Episodes
    22
  • Rating
    Clean
  • Copyright
    © Rob Moore and Omen Quelvog
  • Show Website
    Fiscal Foxhole
  • Provider