In this episode of The Fiscal Foxhole, Rob Moore and Omen Quelvog kick things off with some light banter before diving into timely housing headlines, military retirement planning, and the powerful flexibility that comes with a pension.

🎯 What We Cover

Adjustable‑Rate Mortgages Are Back

A Wall Street Journal headline sparks a discussion on the renewed popularity of adjustable‑rate mortgages (ARMs). Rob and Omen explain why ARMs are ultimately a bet on future interest rates, refinancing ability, and life circumstances. If an ARM is the only way to afford a home, that’s a red flag.

Little‑r Retirement & Military Pensions

The heart of the episode focuses on little‑r retirement—the years between leaving the military (often in your 40s) and ...