Military and Family Readiness Centers (M&FRCs) deliver proactive financial management support, equipping Airmen, Guardians, and their families with the knowledge and tools to navigate financial challenges, set achievable goals, and build long-term financial security. The National Defense Authorization Act (NDAA) of 2016 created 12 mandatory financial touchpoints where Airmen and Guardians must receive financial literacy training to gain the knowledge and skills to make informed financial decisions at various life stages.