Life Changing Veterans Benefits

09/12/2026

🇺🇸 SEPTEMBER 11 — WE MUST NEVER FORGET 🇺🇸

September 11, 2001 is not simply a date in a history book for me.

I was serving in the United States Navy aboard USS CROMMELIN (FFG-37) in Hawaii. We were in port, and I was on duty as the section leader.

It was just after 3:00 in the morning in Hawaii when America was attacked.

Like so many who were serving that night, I watched what was happening and quickly realized that the world we had known only hours earlier was gone.

That day changed everything. Forever.

It changed our military.

It changed our national security.

It changed the lives of millions of military families.

And it began a period of war and sacrifice that would define an entire generation of American service members.

Thousands of Americans went to work that morning and never came home.

Firefighters, police officers, paramedics, military personnel, first responders, and ordinary citizens demonstrated extraordinary courage.

And in the days, months, and years that followed, another generation of Americans raised their right hands, put on the uniform, deployed around the world, and answered the call.

Many came home carrying wounds that could be seen.

Many more came home carrying wounds that could not.

Some never came home at all.

Today, at Life Change, we work every day with Veterans and their families. We see firsthand that the consequences of military service do not end when a deployment ends, when someone leaves active duty, or when the headlines move on to something else.

For thousands of Veterans, the story of September 11 and the wars that followed is still being lived today.

That is one of the reasons we must never forget.

Never forget those who were murdered on September 11, 2001.

Never forget those who ran toward danger while others were trying to escape it.

Never forget those who answered America's call afterward.

Never forget those who gave their lives.

Never forget the Veterans who returned home forever changed.

And never forget the families who carried the burden alongside them.

I can still remember standing duty aboard USS CROMMELIN in those early morning hours in Hawaii and realizing that something had fundamentally changed.

Twenty-five years later, that memory has not faded.

It should never fade.

Remember the fallen.
Honor the sacrifice.
Take care of those who served.

🇺🇸 WE WILL NEVER FORGET. 🇺🇸

— Thomas Barr
President & CEO
Life Change

07/06/2026

To Our Friends, Families, Veterans, Active-Duty Service Members, and the People of Guam and the Commonwealth of the Northern Mariana Islands (CNMI):

As Super Typhoon Bavi moves through the islands, our thoughts and prayers are with every family across Guam, Rota, Tinian, Saipan, and the surrounding communities. Current warnings indicate life-threatening winds, torrential rainfall, dangerous surf, and the potential for flash flooding and extended power outages. Officials are urging everyone to remain indoors until the danger has completely passed.

Please remember:

Your life is worth far more than any possession. If local officials instruct you to evacuate or shelter, do so immediately.
Stay inside and away from windows and exterior doors during the height of the storm.
Charge your phones and emergency power banks while electricity is available.
Keep enough drinking water, food, medications, flashlights, batteries, and first aid supplies to last several days.
Stay away from flooded roads, downed power lines, and storm debris after the typhoon passes.
Check on your elderly neighbors, disabled residents, and veteran families as soon as it is safe to do so.
Continue to monitor updates from the National Weather Service Guam and your local emergency management officials rather than relying on rumors or social media speculation.

To our veterans: You have faced difficult storms before, both in uniform and at home. Your resilience has always been one of your greatest strengths. Today, let that same spirit guide you in protecting yourselves, your families, and your communities.

From all of us at Life Change, know that you are not facing this alone. Once conditions are safe, we stand ready to help our veteran community in any way we can.

Please stay safe, stay together, and look after one another.

https://www.yahoo.com/news/weather-news/articles/super-typhoon-bavi-approaches-near-214924381.html

May God watch over Guam, the CNMI, our military members, first responders, utility crews, medical personnel, and every family in the path of this storm.

Stay strong. Stay prepared. Stay safe.

Bavi, a massive cyclone approaching the Mariana Islands east of the Philippines, was forecast to strike Rota early Monday morning local time.

07/04/2026

🇺🇸 Happy Independence Day, America! 🇺🇸

Today, we celebrate a truly historic milestone—250 years of American Independence. As we honor the birth of our Nation, we also honor the men and women who have defended her freedoms across every generation.

To every Veteran, thank you. Your service, sacrifice, and commitment helped preserve the liberties we often take for granted. You answered the call when America needed you, and your legacy continues to inspire those who follow.

To our Active Duty service members, especially those standing watch or deployed far from home today, please know that you are in our thoughts and prayers. While many of us gather with family to celebrate, you remain on the front lines protecting the freedoms that make those celebrations possible. We will never forget your sacrifice.

To the military spouses, children, parents, and families waiting back home—you also serve. You endure the separations, missed birthdays, holidays, anniversaries, and the uncertainty that military life often brings. Your strength is the foundation upon which our Armed Forces stand.

As we commemorate America's 250th birthday, let us remember that freedom has never been free. It has always been secured by ordinary Americans willing to do extraordinary things in service to something greater than themselves.

From all of us at Life Change, we wish you and your family a safe, joyful, and meaningful Fourth of July.

May God bless our veterans.
May God protect those serving around the world.
May God comfort the families waiting for their safe return.
And may God continue to bless the United States of America.

Happy Fourth of July! 🇺🇸

Thomas Barr
President & CEO
Life Change

06/21/2026

🇺🇸 Happy Father's Day from Life Change 🇺🇸

Today, we honor all fathers, but especially the military fathers serving around the world, many of whom are standing watch far from home, deployed in dangerous locations, and sacrificing precious moments with their families in service to our nation.

To the fathers who have missed birthdays, school events, holidays, and even Father's Day itself because duty called—you are not forgotten. Military fathers carry a unique burden, balancing the responsibilities of protecting our nation while striving to be present for the families they love. Their sacrifice often means long separations, missed milestones, and countless moments away from home.

At Life Change, many of us have walked that same path. We are fathers. We are veterans. We know what it feels like to hug your children goodbye before deployment, to miss important family moments, and to carry the weight of service while trying to be the father your family deserves.

That is why our support for veterans is personal.

Whether you are deployed overseas, standing watch at sea, serving on a remote installation, or continuing your mission after military service, know that the Life Change family stands with you. We understand your sacrifices because many of us have lived them.

To every military father, veteran father, and father figure who has served our nation and your family with honor, courage, and commitment:

Thank you for your service.
Thank you for your sacrifice.
Thank you for your example.

From our family at Life Change to yours, Happy Father's Day.

🇺🇸 We Stand With Veterans Worldwide. 🇺🇸

04/14/2026

Something for Veterans to think about: THE BANKING SYSTEM EXPLAINED (WHAT MOST PEOPLE NEVER LEARN)

Most people think banks exist to “protect your money.”

That is only part of the story.

Banks are businesses.
And your deposit is not sitting in a vault waiting on you.
It becomes part of the bank’s funding base while the bank owes you a claim to that money.

That matters because banks make money by putting money to work.

Here is the part most people miss:

When you put money in a bank, the bank pays you a return.
Then it turns around and earns more by making loans, collecting fees, and managing the spread between what it pays depositors and what it charges borrowers.

That is the model.

Mortgages.
Auto loans.
Business loans.
Credit cards.
Fees.
Service charges.
Interchange.
Interest spread.

This is why banks are not “guardians of wealth.”
They are financial intermediaries built to profit from the movement of money.

Now let’s add an important nuance:

Not all banks pay terrible rates.
Some high-yield savings accounts pay materially more than traditional savings accounts.

But that is not the real issue.

The real issue is that most people still leave money parked in low-yield accounts, while paying much higher rates on the other side through mortgages, car loans, credit cards, and personal debt.

That gap is where the system wins.

And here is where compounding changes everything:

The Rule of 72 says you can estimate how fast money doubles by dividing 72 by the rate of return.

At 3%, money doubles in about 24 years.
At 6%, about 12 years.
At 9%, about 8 years.
At 18%, debt can double in about 4 years.

Read that again.

The same math that can build wealth for investors can destroy families in debt.

So while savers may earn a modest yield, borrowers are often paying dramatically more on the other side of the bank’s balance sheet.

Then inflation enters the picture.

If your money earns less than inflation over time, your purchasing power shrinks even when your account balance looks “safe.”

That is why simply “saving money” is not the same as growing wealth.

The people who understand money learn three things:

Where their money is parked
What rate it is actually earning after inflation
Who is compounding faster — them or the bank

Banks understand the power of compounding.
They understand the spread.
They understand velocity.
They understand how time multiplies money.

Most people were never taught any of that.

So no, the bank is not your enemy.
But it is not your financial friend either.

It is a business.

And once you understand that, you stop treating a savings account like a wealth strategy and start treating money like a tool.

Because in the world of money, compounding is always working.

The only question is:
Is it working for you
or against you?

11/27/2025

Happy Thanksgiving, everyone. Today, my heart is especially with our Active-Duty service members standing watch around the world—on bases, posts, ships, and in far-off places—spending this holiday away from home so the rest of us can gather in peace.
And to the families on the home front: we see you. To every spouse carrying the weight of both mom and dad while your loved one serves, to every child missing a parent at the table, and to every family holding things together with courage and grace—your sacrifice is real, and it matters. Military families serve too.
To our Veterans and your families across the world—thank you. Your service, your resilience, and your legacy continue to protect freedom long after the uniform comes off. We honor you today with deep gratitude.
As a global company, Life Change is committed to walking beside Veterans and their families wherever they are. You inspire our mission every single day. On this Thanksgiving, we simply want to say: we are grateful for you, we stand with you, and we won’t stop serving those who have served.
From our Life Change family to yours—Happy Thanksgiving. May you feel appreciated, supported, and surrounded by love, no matter where in the world you are. 🇺🇸🦃