In addition to the advice here, one of the best things she can do is read and learn about saving/investing herself . There are so many different details/nuances in the different vehicles (stocks, bonds, CDs (nuts), ETFs, mutual funds, real estate, etc), she can set herself up for success with some basic knowledge. Also, have her sign up for the amex platinum while she's active duty (just make sure she knows she has to pay it off every month).