Basic Needs Allowance (BNA)
 
BNA provides a supplemental taxable allowance for eligible service members and their families who are the most financially challenged and will promote financial security.

These resources give more information about the BNA and who may qualify.
Policy
 
Stay informed through one-stop access to the latest policy concerning financial readiness. Keep up on financial policies and be ready to share your knowledge and advice with Soldiers to help them make positive financial decisions today that will benefit them in the future.
Secretary of the Army Memorandum

January 13, 2021  
 
Implementation of the Blended Retirement System

Amended Oct. 1, 2020  
 
Department of Defense Instruction 1322.31, “Common Military Training,” (Feb. 20, 2020)

Department of Defense Instruction 1322.31, “Common Military Training,” provides guidance for required military training policy, responsibilities and procedures.  
 
Department of Defense Instruction 1332.35, “Transition Assistance Program (TAP) for Military Personnel,” (Sept. 26, 2019)

Find policy, responsibilities and direction for service members transitioning from active duty in Department of Defense Instruction 1332.35, “Transition Assistance Program (TAP) for Military Personnel.”  
 
Department of Defense Instruction 1322.34, “Financial Readiness of Service Members,” (Nov. 5, 2021)

Department of Defense Instruction 1322.34, “Financial Readiness of Service Members”, establishes policy, assigns responsibilities, and prescribes procedures and requirements for efforts to promote and sustain the personal financial readiness of Service members.  
 
Department of Defense Instruction 1342.22, “Military Family Readiness,” (August 5, 2021)

Department of Defense Instruction 1342.22, “Military Family Readiness,” sets requirements for financial education and counseling and more. Look at it here.  
 
Department of Defense Instruction 1344.09, “Indebtedness of Military Personnel,” (Dec. 8, 2008)

You’ll find policy governing service members' delinquent debt here, in Department of Defense Instruction 1344.09, “Indebtedness of Military Personnel.”  
 
Department of Defense Instruction 1344.07, “Personal Commercial Solicitation,” (March 30, 2006)

Department of Defense Instruction 1344.07, “Personal Commercial Solicitation on DoD Installations,” outlines financial education program guidelines and more.  
Law
 
Stay informed through one-stop access to the latest laws concerning financial readiness. Keep up on financial laws and be ready to share your knowledge and advice with Soldiers to help them make positive financial decisions today that will benefit them in the future.
National Defense Authorization Act for Fiscal Year 2016. Pub. L. 114-92 (Nov. 25, 2015)

National Defense Authorization Act for Fiscal Year 2016 updates and changes financial literacy services for military members and families. Take a look now.  
 
National Defense Authorization Act for Fiscal Year 2006. Pub. L. 109-163 (Jan. 6, 2006)

The National Defense Authorization Act for Fiscal Year 2006 outlines the service requirement for financial services education and training. View it here.  
 
Title 10, U.S. Code, Section 992. “Financial Literacy Training: Financial Services.”

The “Financial literacy training: financial services” section of this U.S. Code contains updates and amendments to previous financial literacy guidance.  
 
Title 10, U.S. Code, Section 1142. “Preseparation Counseling; Transmittal of Medical Records to Department of Veterans Affairs."

Title 10, U.S. Code, Section 1142, “Preseparation Counseling; transmittal of medical records to Department of Veterans Affairs,” outlines provisions to provide counseling services for service members with anticipated discharge or release dates.  
Checklists & Handouts
 
LES Errors for BRS
 
LES ERRORS
For Soldiers Automatically Enrolled in the Blended Retirement System (BRS) after January 1, 2018  
Find A PFC
 
All active duty, members of the Guard and Reserve, their family members and survivors are eligible to receive no-cost financial counseling services by a Personal Financial Counselor (PFC). This trusted support includes face-to-face appointments with individuals and families, group presentations, workshops, referrals to military and community resources, family support during deployments, help with budgeting, credit management, and benefits counseling. A PFC can meet you in person, virtually, or even by phone!
Find a PFC
A PFC can meet you in-person, virtually, or even by phone!  
Request a PFC
Soldiers and their families can request PFC support through their installation Family Support Center. Leaders can request short-term PFC support for emergency or temporary assignments, family activities, and other events.