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OPNAVINST 1740.5D is the current version of the instruction.


Financial Readiness

As directed by Department of Defense Instruction (DoDI) 1322.34, ("Financial Readiness of Service Members"), and NAVADMIN 201/22, ("Fiscal Year 2023 General Military Requirements"), Sailors are provided financial readiness training at personal and professional touchpoints across the military lifecycle, beginning with recruit and officer accessions training and continuing throughout a Service member's career and transition to civilian life.  The first touchpoint is "Initial Entry Training" whereby financial readiness training is provided at Boot Camp for enlisted Sailors and during the officer accessions training pipeline for officers.  The other touchpoints are as follows:

  • First permanent duty station
  • Permanent Change of Station (O3 and below, E4 and below)
  • Promotion (O4 and below, E5 and below)
  • Vesting in TSP (under BRS upon completion of 2 Years of Service)
  • Entitlement to Continuation Pay (under BRS)
  • Marriage
  • Divorce
  • Birth of First Child
  • Disabling Sickness or Condition
  • Pre- and Post- deployment
  • Leadership training
  • Transition of the Service member from AC to RC, separation or retirement.  (The required financial readiness training for this touchpoint is provided during the "Financial Planning for Transition" portion of the Transition Assistance Program (TAP) class.  This course is also available online at

Touchpoint Training

Starting with the “First permanent duty station” touchpoint, Service members can complete the mandatory financial readiness touchpoint training via one of three delivery methods:

  •  Online using Navy e-Learning (NeL).  To easily find these courses on NeL, search for the title “touchpoint” under the Course Catalog tab.
  • The MyNavy Financial Literacy mobile app, which hosts the touchpoint courses and allows Sailors to submit course completion certificates directly to their Electronic Training Jacket (ETJ).
  • Or in-person training provided by a Fleet and Family Support Center (FFSC) Personal Financial Manager (PFM), a Command Financial Specialist (CFS), or a Navy Reserve Center-assigned Personal Financial Counselor (PFC).  In-person training resources and information can be found on the GMT webpage, and on the Department of Defense Office of Financial Readiness (FINRED) website's Navy Resources webpage.  Once in-person training is completed, ensure that training is recorded in a member's Electronic Training Jacket (ETJ) by documenting in FLTMPS via a Learning Event Completion Form (LECF).

Sailors will receive a Navy Standard Integrated Personnel System (NSIPS) email notification upon reaching a financial readiness touchpoint, informing them of the requirement to complete the required training.  It is important to ensure that an up-to-date email address is maintained in NSIPS.

MyNavy Financial Literacy Mobile Application

 Revised for 2024, the MyNavy Financial Literacy application provides Navy personnel with information to help them achieve their personal financial goals and meet the Navy’s financial literacy education requirements.

Blended Retirement System (BRS)

BRS combines a defined benefit, like the legacy (High-3) retirement plan, with a defined contribution component (automatic plus matching contributions to a member’s Thrift Savings Plan (TSP) account) and continuation pay.  BRS uses a 2.0% multiplier (vice the 2.5% used in the legacy retirement system) in calculating retired pay.  Thus, a member who served 20 years would receive 40% of the average of the highest 36 months of basic pay, a TSP account that contained government and optional member contributions, as well as continuation pay at the mid-career point.  BRS Tools and Links are located on the right-hand side of this webpage.

BRS Opt-In eligible members are required to complete the BRS Opt-In course (available on Joint Knowledge Online (JKO)).  BRS Opt-In issues should be sent to the MyNavy Career Center (MNCC) at:


Questions or Comments?

For BRS Opt-In Issues:


OPNAVINST 1740.5D U.S. Navy Personnel Financial Management Program (24Oct17)
DoDI 1322.34 Financial Readiness of Service Members (5Nov21)
DoDI 1342.22 DoD Military Family Readiness (5Aug21)


CY25 Continuation Pay Rates (23May24) 
CY24 Continuation Pay Rates (18May23)
CY23 Continuation Pay Rates (19May22)
CY22 Continuation Pay Rates (3Jun21)


MPM 1810-080 Enrollment in the Blended Retirement System (15Nov18)
MPM 1810-081 Continuation Pay for Service Members Enrolled in the BRS (22Feb20)
MPM 1810-082 Lump-Sum Payment of the Retirement Annuity of the BRS (24Aug18)


NAVADMIN 104/24 BRS CY 2025 Continuation Pay Rates (23May24) 
NAVADMIN 270/23 Dependent Care Flexible Spending Account (DCFSA) for Military Personnel Fact Sheet (8Nov23) 
NAVADMIN 236/23 FY2024 General Military Training Requirements Fact Sheet (5Oct23) 
NAVADMIN 155/23 BNA Fact Sheet (10Jul23) 

NAVADMIN 118/23 BRS CY 2024 Continuation Pay Rates (19May23) 
NAVADMIN 289/22 Basic Needs Allowance (BNA)(22Dec22)

NAVADMIN 117/22 BRS CY 2023 Continuation Pay Rates (20May22)
NAVADMIN 114/21 BRS CY 2022 Continuation Pay Rates (3Jun21)

NAVADMIN 009/21 Family Readiness Update (14Jan21)
NAVADMIN 161/16 Financial Literacy Education Implementation Plan (19Jul16)

BRS Tools and Links

Service Member's Guide to BRS 

Department of Defense, Military Compensation: The Uniformed Services Blended Retirement System, contains information concerning the Blended Retirement System and available resources.
ASN Memo – Implementation of the BRS Policy: DON Policy for BRS (26Apr17)
ASN Memo – Change 1 to Implementation of BRS: Continuation Pay Clarification (10Aug17)
BRS Frequently Asked Questions (28Mar18)
BRS Comparison Calculator
BRS Calculator

Information Links

Military OneSource
DoD Office of Financial Readiness (FINRED)


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