Financial Readiness

Hours of Operation

Monday 9 a.m. - 11:30 a.m.
1 p.m. - 3 p.m.
Tuesday 9 a.m. - 11:30 a.m.
1 p.m. - 3 p.m.
Wednesday 9 a.m. - 11:30 a.m.
1 p.m. - 3 p.m.
Thursday 9 a.m. - 11:30 a.m.
1 p.m. - 3 p.m.
Friday 9 a.m. - 11:30 a.m.
1 p.m. - 3 p.m.
Saturday Closed
Sunday Closed
Federal Holidays Closed

Contact Us

6303 Wetzel Ave.
Bldg. 1526
Google Map

WiFi Available

Handicap Accessible


Military DSN Tel:

Write an ICE comment

Program Details

The Financial Readiness Program is your resource for information on money matters. We can help you better understand financial topics like: 

  • Military pay
  • Checkbook/debit card management
  • Financial responsibility
  • Credit reporting
  • Debt elimination strategies
  • Saving
  • Investing
  • Budgeting

We can also help you learn about other financial services, including:

Army Emergency Relief (AER): A private, nonprofit organization established to help Service Members and their Families in emergency financial situations due to no fault of their own.

Financial Resources for Military

Helpful financial readiness links include:

  • Thrift Savings Plan: A Federal Government-sponsored long-term retirement savings and investment plan, available for both Federal civilian employees and members of the uniformed services.
  • U.S. Savings Bonds: A shorter-term savings option with competitive interest rates and backed by the full faith and credit of the United States.
  • Military Saves: A component of the nonprofit America Saves and a partner in the Department of Defense’s Financial Readiness Campaign, Military Saves seeks to motivate, support, and encourage military Families to save money, reduce debt, and build wealth.
  • Money Matters: A mobile-optimized resource with calculators for savings, debt reduction and other reference material in one location.
  • Military OneSource: A Department of Defense-funded program that provides comprehensive information on every aspect of military life at no cost to active duty, National Guard, reserve members, and their Families.
  • Office of Servicemember Affairs: A component of the Consumer Financial Protection Bureau helps to educate and empower military members, veterans, and their Families in the consumer financial marketplace.
  • A project of the FINRA Investor Education Foundation, a free, unbiased resource dedicated to your financial health. Helps you make informed decisions through easy-to-use tools and resources, and arms you with the information you need to protect yourself from investment fraud.
  • Better Business Bureau Military Line: Provides specialized education and support services, which meet the needs of active and retired military personnel and their Families.
Educational Resources

Blank Budget Form

Military One Source

  • Installation Banking Locations

  Armed Forces Bank

  Security Service Federal Credit Union



Command Financial NCO Program

The CFNCO is a valuable resource to the unit commander in maintaining the financial readiness of his/her unit. The CFNCO program provides commanders a mechanism through which education, training, counseling, and referral procedures can be established in their units.   The CFNCO Program is designed to promote financial education and awareness to ensure Soldiers and families are making wise financial choices.  Through financial training Soldiers and families can become responsible money managers.


Next Class Dates:

March 25th - 29th, 0900-1630

Army Community Service

Please Contact ACS Financial Readiness / AER for more information. 719-526-0438


Future Class Dates:

July 22nd - 26th, 2019

October 28th - November 1st, 2019


Financial Readiness Classes and Workshops

First Termers Training

First Termers Training is a mandatory requirement for all Soldiers new to the Army.  Soldiers who have not completed their training prior to arrival at Fort Carson have two options for receiving their certificate. 

Option 1: Online class format through This course is an 8 hour Foundation of Financial Readiness course that is required for all First Term Service Members. Class is found at When you have completed the training, print out a copy of your certificate and bring it to ACS, building 1526 to be signed.

Option 2:  Attend the First Termers Financial class in-person here at Fort Carson.  This is a 4-hour block of instruction to help Soldiers start their career with the Army with healthy financial habits.  Click here for the next class. 

Smart Money Talks

Come Join us every 2nd Thursday of the month at 5:30  to 7:30 p.m. Located within the main ACS Center, Building 1526. for our monthly Smart Money Talks class. Each month we will pick a best-selling finanical book to discuss.  Participants will receive a copy of their book for free and answer any questions related to the topic each month.

No registration required. Walk-ins welcome

2019 Class Schedule

Febuary 14 - The Index Card

March 14 - Mindful Money

April 11 - The Only Investment Guide you'll Ever Need

May 19 - Secrets of the Milionaire Mind

June 13 - The Opposite of Spoiled

July 11 - Investing 101

August 8 - Pogue's Basic Money

September 12 - Student Loans 101

October 10 - The 4 Hour Work Week

November 14 - What your Financial Investor isn't Telling you

December 12 - The Millionaire Next Door

Banking Management

1st Tuesday of every month at 9:30 a.m. to 11:30 a.m. in the main Army community Service bldg. 1526.

Bank Managment Graphic 3.jpg


Maintaining a budget or spending plan is vital to our financial stability. However before we can successfully start our budgets we must know how to manage our bank accounts and review our  statements for not only accurate reporting of our spending but also to validate our records for any errors; after all even banks make mistakes. 

Iron Horse Budget


There is nothing more important than staying on track with a Financial Plan to manage your expenses. Class is available upon request.

We will explain all the basics and fundamentals from reading your Leave and Earning Statement (LES) to understanding what tax exemptions are and what the best exemption filling status is right for you. We will expand on the budgeting process and give you a diverse array of how to compute a budget because after all there is no wrong way to accurately record where your money is going; you just have to do it. 

Click on following link to download and print the FRP Budget Counseling packet and bring it the class Budget couseling packet (1).pdf


Emergency Assistance & Additional Program Information

Army Emergency Relief

To Apply for Army Emergency Relief


Sign Up for Classes and Make Appointments

Click Here to be directed to Eventbrite to register for all our our free classes. To schedule appointments please call us at +1(719)526-4605.