Today on Money Wise, Steve Moore and Rob West, speak with former Air Force spouse and founder of Heroes At Home, Ellie Kay, about financials in the military. They also discuss many ways we can help out those who serve our country. Ellie offers suggestions like hiring a veteran, helping military family around the house, babysitting and giving gift cards for groceries or restaurants. Next, they answer your questions at (800) 525-7000 and [email protected] about the following: -My wife and I have a credit card that pays 1.75% back on everything. Should we be using this card for all of our purchases? -Is it smart to get a HELOC on my first property to help with closing costs of a second property? -I would like to retire in a couple years. What is the best way to prepare financially for the retirement years? -I have no debt and good credit. I recently checked my credit score and it had dropped by 40 points. Do you have any ideas why this might be the case? -How do you know you are getting the lowest rate for insurance? You can find out more about Ellie Kay and her ministry at heroesathome.org. Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook and get notifications about what were up to. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.