and president obama is set to wrap up his six-day swing through europe as he prepares to leave warsaw, poland, shortly. today he met with poland's president and prime minister. >> a special edition of "your bottom line" money in the military, the sacrifices and challenges of people who serve and protect the u.s. good morning, everyone. welcome to a special edition of "your bottom line" money and military life. a country facing challenges, home prices, debt, savings and jobs. now deal with those issues as active or retired military and they magnify. today we explore the amazing sacrifices and unique financial challenges of the people who serve and protect the united states. we begin with jobs. finding one after leaving the military is proven to be a whole new battle for our veterans. barbara starr is cnn's pentagon correspondent, our national unemployment rate is 9%. barbara, for male veterans, the

jobless rate is more than twice that. >> oh christine, we talk so much about the unemployment rate and our economy, but you're right, for young combat veterans coming home from war, young men aged 18 to 25, who finished their service to the country, the picture is very grim. they are facing a staggering unemployment rate, 21.9% according to the bureau of labor statistics. it's caught the attention of senator patty murray, chairman of the senate veterans affairs committee. have a listen to what she has to say about this. >> we have invested billions of dollars in training our young men and women with new skills to protect our nation only to ignore that investment and them when they leave the military. for too long at the end of their career we pat our veterans on the back for their service and push them out into the job market alone. >> murray has introduced the

hiring heros act of 2011. it's an effort to try to ensure as they leave the military they get job training, assistance and what they need. how can this help veterans? it requires all of them to go through a program called taps or transition assistance program. that's everything from teaching them how to do financial planning to writing their resume to what job skills they have and need. it would expand the troops to teachers program. this has been a very successful effort that allows qualified military to begin working as teachers when they leave the service. many in the military like it because, of course, they still want to serve in their communities once they take off the uniform. perhaps most important, there's going to be a military skills apply to the civilian work force. this is crucial as the wars wind down and more leave the service how do they find jobs, how does

driving a tank, being a sniper, handling ammo, really prepare you for the civilian work force. what many troops tell us is, they want to convince employers what they have really learned in the military is leadership and discipline skills and those are job skills that they say they hope employers want out there. >> barbara starr, thank you so much. until the bill becomes law what can veterans do to market themselves and their skills on the job hunt? rich is the vice president of allied barton security services. the company employs 3,000 veterans. we talked to a number of veterans at the global veterans career expo in new york this week, like bell linda. >> veterans are very proud individuals. this serve sufferlessly. when they get out and looking for a job, it's hard because we've never worked in corporate america so we don't know how to package ourselves pretty much and we don't have the right

tools to help prepare us to exit. >> let's help package those tools. the leadership and discipline, how do you package that into the job hunt. >> part of the disconnect here is corporate america is and the returning military veterans aren't necessarily on the same page in translating their skills and experiences into what's valuable in the work place. and there's two things that you mentioned, the leadership and the discipline. in and of themselves should be attractive to any employer. >> how do you go from saying i led a platoon to i can lead this group in your office? how do you make that transition i guess from the vernacular of the military into the vernacular of corporate america? it's almost like speaking a new language. >> it is to a degree and again, the communication part isn't -- the burden of communicating isn't entirely on the returning veteran. i would challenge anybody who's hiring, wishing to hire a

veteran to find out about how to translate that military jargon so they understand it too. >> there are some companies aggressively try to do this because they know these qualities in some of our returning veterans have something they want, they want leadership, an ability to follow through, they want people who are going to be hard workers and that's something that they have found. there's some companies that do that. it's the matching of those companies with the returning veterans that's the tricky part. walk me through some of the programs and resources out there to help with the job hunt, the placement, the retraining. >> sure. whether it's employment guards for reserves, any of the ones you have listed, each and every one of those sites, each and every one of those no cost resources, can take you to places on those sites that can do things like link you into other sites where there may be jobs, give you help with preparing a resume. i would challenge any hiring manager to make a hard and proactive effort to go out and find out how veterans can help

their organizations. >> rich, thank you so much for joining us. and have a wonderful weekend, sir. >> thanks very much. my pleasure. you know the name, petraeus, but it's not the mission you think. why holly petraeus, wife of david, the command leader, is on her mission to help the men and women of the military with their money. ♪ what do you see yourself doing after you do retire? client comes in and they have a box. and inside that box is their financial life. people wake up and realize. "i better start doing something." we open up that box. we organize it. and we make decisions. we really are here to help you. they look back and think "wow. i never thought i could do this." but we've actually done it. [ male announcer ] visit ameriprise.com and put a confident retirement more within reach.

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to help people with today? >> we did make decisions that in retrospect i don't think i would have done. it was harder to find easy credit then, we didn't get into credit difficulty but the cliche of having to have the hot sports car. we spent a significant amount of money not only buying it but repairing it because it broke down all the time and rented an apartment sight unseen based on a slick brochure. i can tell you the reality looked nothing like the picture in the pro brochure. >> you mentioned easy credit. that's a concern for people in the military over the past few years. you have this quite frankly, you have this industry that crops up around bases and i know you've seen it and talked about it where there are a lot of people who want to dip into that steady military paycheck. something you really have to warn and educate service members about. >> yeah. it's absolutely true. if you drive outside of a big military base you'll see that strip with all sorts of businesses catering to the military and some of them, you know, the check cashers, the

pawn shops, a new one on me recently was a place you can rent rims for your cars. >> wow. >> i know. >> we know that there are financial challenges. unique financial challenges for military families. you're with the new cfpb, traveling around, talking to different military members about their finances. what are you hearing from the bases and new recruits? >> from the bases, from the folks who deal with the financial issues i am hearing debt is an issue. service members are entering the military with debt. when i was at lackland air force base they said their trainees who arrive have an average of $10,000 in debt when they walk into basic training. >> there are protections for people in the military. they should not be foreclosed on. their obligations can be postponed. i want to talk about this. the service members civil relief act, let's talk about some of these things that's very important for people to know about in terms of housing. you know, if they're in active

duty they can't be foreclosed upon and they have to have a 6% interest rate. no more than 6%. a lot of people don't know that. >> that's true. there are some details to that. it has to be an obligation that they -- a debt they assumed before they entered active duty. if you have a service member who's been on active duty for a long time that protection may not apply to them. more often it will help national guard and reserve when they go on to active duty. they can have the interest rate on their debts lowered to 6%. and they are protected from nonjudicial foreclosure during the time that they are on active duty and for nine months afterwards. >> you know, in terms of debt you said the financial problems are the number one cause of a loss of security clearances for military members. their finances can reflect what they're doing in their job. if you don't pay your debts your wages can be garnished, lose that security clearance. is there a fear among members not to maybe talk about their problems or admit them because

they are so in control of their life on the job, so to speak, but really don't like to admit what's happening in their personal business? >> that's human nature. you don't want to confess you may have done something that's gotten you into difficulty. in the military it could have a significant impact. if you lose your clearance kyou can't do the job you were trained forto do, that's a loss for you and the military and can cause you to have to get out of the service. >> what drove you -- you worked for the better business bureau, did service members affairs for several years. you've seen the complaints, you know the issues facing american families on this front. what drives you to try to help with the financial literacy and understanding of military families in terms of finances? >> at a time when we're asking so much of our military that they repeatedly deploy, we shouldn't be allowing anybody to pick their pocket here at home. and that really motivated me to start working as a consumer advocate for them. >> you know, we don't do financial literacy well in

general in this country. they're moving around more, they can have disruptions from where they're living, disruptions of the spouse's income. do you think we're doing a better job? >> i think we're working hard on it. a big part of my office at the consumer financial protection bureau, a big part of our job will be to work on education, to try to tweak it and make sure the military are getting the best possible financial education. and i have to say the pentagon's already been doing it and we're going to work with them to see if we can make it better. >> we want to keep the money in their pocket so that they can grow it and invest it and build their family with it and not have it be a source of trouble in their lives. i guess that's true for all of us, isn't it? holly petraeus, appreciate your time today. have great weekend. >> thank you. glad to be here. 197,000 children have a parent deployed, letting a kid be a kid when mom or dad is off fighting for america. [ female announcer ] the healing power of touch

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within the past two years has probably moved to six, seven times now. shes a had to endure a great deal from me returning from iraq injured, a different man, a different person, than the one that left her. >> that was retired captain shannon mehan, an iraq war veteran who returned to the philadelphia area with his wife and child looking for a job. he wrote a book about his time in the military and ran for state representative office last year. kelly russco works on these, wife of a member of the navy. you heard this story like shannon's before. your husband returned from iraq. does it get easier every time he's deployed? >> no, it doesn't, actually. every deployment is different. and a lot of times you'll hear some spouses say, oh it gets easier and easier, but every time you're in a different place in your life, your children are a different age and so it sometimes can get a little complicated. >> that's a very good point. every time is different, it's a

different time in your life, different stage for your children. bring in jeff, he's a clinical psychologist. kids emotions, 34% of caregivers of military youth 11 to 14 say the children were experiencing moderate to high levels of emotional behavioral problems. that compares to 19% of a national sample of youth. what's your advice for parents as kids and teens move into the rebellious years? >> a lot of the emotional difficulties have to do with anxiety especially around the deployment of one of the parents. and so my advice to the parents are, you have to be role models. the parent who is home has to be strong emotionally. they have to show the child that they're willing to talk about what it feels like to have that spouse out of the home, but most importantly, they have to get counseling. by doing that they're showing the child there is something you can do about this instead of suffering emotionally. >> kelly, we want our kids to grow up to be kids but for kids in this kind of situation with the hardest part of deployment they say is helping the parent at home deal and then also

dealing with the deployment themselves. that's a lot for a kid, but one thing i'm struck from people i know in the military and the military families, it's a very tight group, isn't it? it's a unique experience that in many cases kids can be very strengthened by. >> it is a very unique experience and i think that's one of the reasons why that when we developed our operation purple camps so that kids could be kids and also realize that they're not alone and there are other children in their same, in the same boat. >> we're seeing pictures from that right now, this summer camp, 25 state in oak noah japan. operation purple. tell us more, kelly, how this helps kids. >> as i said, it allows them to be kids and to see that they're not alone. we also have mental health counselors available at the camps in case kids would like to talk, but it allows them to just do good things that every other

kid are doing. >> what we see with a lot of these kids, just like the parent who is deployed might be involved in combat and they can't talk about that experience with anybody else other than somebody else who was in combat. now these kids know what it feels like to move from city to city and country to country and becoming an informal support group where for one another. >> the children at home while one parent is deployed and also this reintegration which is a different kind of challenge for this kid, this huge euphoria of having the parent home, but kids are also worried, jeff, how the parpt are getting along after when it comes to marriage and comes to the family and trying to get back into a routine. what is your advice to military couples out there? >> well, first of all, they have every reason to be bothered in some ways with the reintegration and what's going on with the parent because the spouses themselves are having a hard

time with reintegration. my advice to them in this particular case, make sure that the programs are there for families where there is deployment, the further into the deployment, the more we need these programs involved. if nothing else, the kid should be part of the team and help the parent with the reintegration and your mom and dad are going to come back and they will be different but you have to be patient and it all will come together. >> kelly, you lived through this. what is your advice? >> take one day at a time. communicate. xwh communicate with the service member that moved home. communicate with your children and there are organizations that have created programs to help the reintegration process and seek those out. >> kelly, jeff, great advice. hope you have a wonderful weekend. soldiers leave war behind, but war dozen always leave them behind. next, how one veteran survives day to day thanks to a special friend.

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there's a long history back to ancient times of dogs fighting in wars, but it's the fight after war when soldiers return home that they're needed the most. former army captain shares his struggle with life after war and the unique bond with a service dog that he says saved his life. the book is called "until tuesday" the wounded warrior and the golden retriever who saved him. we spent some time with luis and his dog, tuesday. >> tell me how tuesday saved your life. >> i was going through a tremendelsly difficult period in 2008 and 2009 dealing with the recovery from the physical and psychological wounds sustained from iraq. >> two tours in iraq. >> right. he was just what i needed. i was divorced.

i was new to new york city. living in brooklyn and i didn't have very many friends and then, of course, new york city is -- new york city. >> it's a big place with a lot of people and sometimes hard to make connections, but this animal helped you make connections and it's more than an animal to you. >> absolutely. >> it's more than a service dog. >> he's my brother, my son, my prosthetic, my therapist. he's, you know, i love him and we're one, really, because we're always together. >> what is the war after the war for so many veterans like you? >> war is far more horror than it is glory. and i think that's a misconception that many people have and the horror -- >> people think when you come home, you've left the horror on the battlefield and that's not what happened to you. >> that's true. that's the case with most veterans of war of iraq,

afghanistan and other wars is that the war after the war is really mind, body and spirit for the rest of your life. >> how did you meet tuesday? >> tuesday we were paired about a year and a half after i got out of the army. i saw an e-mail from a nonprofit saying that they were making service dogs available for veterans, which was a new thing at the time and when i got that e-mail, it was like, it was like the light shined down from above. >> how long have you bipartisan together now? >> two and a half years. >> two and a half years. how has tuesday made life livable, meaningful and growing, again? how has that changed for you? >> well, i like to tell my friends that he brightens my days and calms my nights. he literally saved my life. >> on memorial day. what do you tell americans who haven't seen combat? >> that it's important for

americans to pay homage in -- rather than participating in barbecues exclusively and it's important in a time when america isn't very touched by war, hassen been touhas ant been touched by war. it's important to pay attention and do more than to put a bumper sticker on your car or say hello to a veteran. that's why we wrote the book. >> the moral of this story is that tuesday and the program that brought you tuesday has helped you recover your self of sense. >> absolutely. he helped me rerealize my potential for happiness. when i was in my darkest days of alcoholism and the symptoms of ptsd and tbi, he was there, he was there to give me the hope