Financial readiness for national security
Command is about people. Before we ask our service members to give more—to extend, to deploy, to endure—we must first show that we see them, we understand them, and we’re invested in their whole readiness.
At Poncho, we believe financial readiness is not just a checkbox—it’s a foundation. When a young service member is stressed about money, it affects everything in their lives: focus, performance, resilience, and even relationships. But when we meet them early, on their terms, with tools they trust and training that speaks their language, we’re not just another resource— we are part of a team.
Poncho was built to develop financial strength the way we develop every other form of readiness: through culture, through competence, and with care. We're not another financial app—we’re a capability designed to reduce risk, advance the mission, and help people live better lives.
We’d welcome the opportunity to show how this can help you to support your people and your mission.
Financial readiness is unit readiness
“In the military, financial readiness can directly impact service members' ability to successfully prepare for and complete their missions by reducing distractions from unresolved financial issues.”
— DoD’s Office of Financial Readiness
To achieve the readiness our leaders demand and our country deserves, we must make sure our people are absolutely focused on the task at hand. Financial stress is a threat to the mission.
Financial stress harms the entire military community
Commanders work constantly to boost financial readiness, but have to constantly react to crises.
Easy credit and inexperienced young people have been a bad combination for years. Now financial threats aren’t just outside the gate, they are own our phones all day long.
Financial stress destroys focus and undermines retention, security, family life, and self-respect.
The cost of financial stress is enormous.
Everyone who has served has seen firsthand the true cost of financial stress on performance, on families, and on lives.
Distraction. Self-harm. Compromised security. Wasted time. Wasted money.
It doesn’t have to be this way. New approaches hold incredible promise.
It is time to end financial stress for our service members, their families, and their leaders.
Timeless values. New approaches.
We must never forget the values that made this country and our military great. Our commitment to the mission and to one another is unmatched.
Regardless of what challenges we face, if we take care of our people, they’ll take care of us.
Financial stress presents a wicked problem, but Poncho can be part of the solution for you and your organization.