1. Short title This Act may be cited as the Service Members Are Ready To Save Act of 2024 or the SMART Save Act of 2024 . 2. Improvements to financial literacy training (a) In general Subsection (a) of section 992 of title 10, United States Code, is amended— (1) in paragraph (2)(C), by striking grade E–4 and inserting grade E–6 ; (2) by adding at the end the following new paragraph: (5) In carrying out the program to provide training under this subsection, the Secretary concerned shall— (A) use a curriculum across all military departments for such training that— (i) focuses on ensuring that members of the Armed Forces who receive such training develop proficiency in financial literacy rather than focusing on completion of training modules; (ii) is based on best practices of the Financial Literacy Education Commission established under section 513 of the Financial Literacy and Education Improvement Act ( 20 U.S.C. 9702 ); and (iii) is designed to address the needs of members and their families; (B) ensure that such training— (i) is conducted by a financial services counselor who is qualified as described in paragraph (3) of subsection (b) or by other means as described in paragraph (2)(A)(ii) of that subsection; (ii) is provided, to the extent practicable and in a manner that does not harm mission readiness— (I) in a class held in person with fewer than 100 attendees; or (II) one-on-one between the member and a financial services counselor or a qualified representative described in subsection (b)(2)(A)(ii)(III); and (iii) is provided using computer-based methods only if methods described in clause (ii) are impractical or unavailable; (C) ensure that— (i) an in-person class described in subparagraph (B)(i)(I) is available to the spouse of a member; and (ii) if a spouse of a member is unable to attend such a class in person— (I) training is available to the spouse through an online program managed by the Department of Defense