We are currently on an OIR deployment. Our Soldiers now have a surplus of two things: time and money. This is a great target of opportunity to increase in financial literacy. As the battalion chaplain, I see the great value of financial stewardship, especially IOT increase readiness and resiliency. In addition to facilitating Dave Ramsey’s Financial Peace University down range, I also recently created these products (attached) IOT generate conversations with my Soldiers. So far so good!