Airmen and Sailors from Joint Base Pearl Harbor-Hickam, Hawaii, listen attentively during the Million Dollar Sailor/Airman program at the Military and Family Support Center at JBPHH, Hawaii, Sept. 18, 2013. Attendees receive training on proper budgeting techniques, credit management, savings and investment options, insurance, military pay and allowances, consumer rip-offs , how to obtain a loan, credit score, reports, and new and used car purchasing tips. (U.S. Air Force photo/Tech. Sgt. Jerome S. Tayborn)