Lacey Langford

Lacey Langford is an Air Force veteran, military spouse, speaker and financial coach who changes people’s lives from being fearful of money to having control and confidence with it. She’s an accredited financial counselor® with more than 15 years of financial planning, counseling and coaching experience.

Lacey’s the founder of MILMO®, a community dedicated to helping the U.S. military with personal finance and entrepreneurship. She’s the host of "The MilMo Show," a podcast that helps the military community make, save and invest money wisely. Lacey is also the founder and CEO of MilMoneyCon, a national conference for financial professionals united by military service.

Latest Articles

A miniature shopping cart on a wood tabletop contains regular-sized school supplies.

Back-to-School Budgeting Plan for Military Families

Back-to-school season is a fresh start for kids and families, a time to reconnect with friends or make new ones and the...

What to Do When a Military Spouse Loses Income

When you’re depending on that paycheck to cover essentials like rent, car payments or groceries, losing it can turn your...

a printed sheet of paper labeled "debt forgiveness" is pictured on a desk

Ask Lacey: Are Ads for 'Veteran Credit Forgiveness' Legit?

Most of these ads are not what they seem, and you're right to question them.

Ask Lacey: Is Private Long-Term Care Insurance Necessary for a 100% Disabled Vet?

As a 100% disabled veteran, you have valuable Department of Veterans Affairs benefits that might make private LTC insurance...

A moving truck is unloaded as a family moves into their new home.

How to Navigate Finances During a Permanent Change of Station

A PCS comes with many unknowns. Those uncertainties can cause stress, especially when it comes to your money.

This March 22, 2013, file photo shows the exterior of the Internal Revenue Service building in Washington.

Ask Lacey: Is Concurrent Retirement and Disability Pay Taxed?

Concurrent Retirement and Disability Pay (CRDP) can be hard to wrap your head around, especially when it comes to taxes and...

What You Should Do with Special Duty Pay and Bonuses

Receiving special duty pay, such as jump, dive or flight pay, is great news for your financial planning. That said, be...

Ask Lacey: Do Any Programs Offer Low-Cost Auto Insurance?

Finding cheaper auto insurance is all about shopping around, asking questions and requesting discounts.

How Military Spouses Can Save for Retirement

Fortunately for military spouses, you can still save for your own retirement, even with challenges such as unemployment and...

Ask Lacey: How Can Veterans Get Free Cell Phones?

The good news is, there are options to help you without jumping through a bunch of hoops.

How to Prepare Financially for the Transition to Civilian Life

Without preparing for life after the military, the loss of benefits, higher taxes, tighter budgets and family stress can...

Ask Lacey: How Service Members Can Stick to a Financial Budget

Military-life curveballs such as mobilizations, an unplanned permanent change of station or unexpected moving costs make...

How to Keep Your Finances in Check All Year Long

By reviewing your finances throughout the year, you can catch problems early, adjust your plans and make sure you're always...

(Sgt. 1st Class Veshannah Lovelace/U.S. Army photo)

Ask Lacey: Does Paying Off Debt or Investing for the Future Take Priority?

It’s usually better to eliminate your debt, or at least reduce it, before investing in long-term savings such as your IRA.

An airman lets a stack of coins fall into the palm of their hand in honor of Financial Planning Month at Laughlin Air Force Base, Texas.

What to Do (and What Not to Do) with Your Pay Raise

Here's what to do -- and what not to do -- to ensure your pay raise sets you up for financial success.

Military News

Get the Military Insider Newsletter

Get the latest on pay updates, benefit changes and award-winning military content. Right in your inbox.

By signing up, you agree to our Privacy Notice.

Thank you for subscribing!

View more newsletters on our Subscriptions page.

One last step.

Verify your free subscription by following the instructions in the email sent to:

Most Popular Military News

President Trump speaks with National Guard soldiers in Washington D.C.

Guardsmen Patrolling DC Will Soon Be Armed, Pentagon Says

Guardsmen have mostly been patrolling tourist areas not known for high crime rates, such as the National Mall and a transit...

Chief Master Sgt. of the Air Force David Flosi

Air Force Top Enlisted Leader Says Service Oath Isn't Made to 'Any Individual' Amid General's Retirement

Chief Master Sgt. David Flosi's message to the force seemingly sought to calm the rank and file as the Pentagon goes through...

Cars pass through the Dale Mabry gate at MacDill Air Force Base, Florida

Veterans Stole over $150K from Air Force Base’s Sports Program in Florida, Feds Say

Keith Pilawski, 63, and Edwin Ortiz, 58, defrauded the sports program from 2009 until 2024, the U.S. Attorney's Office for...

(Sgt. 1st Class Austin Berner/U.S. Army Reserve photo)

Why Is the Army Chopping Away at Its Chopper Fleet?

The cuts are part of a larger reorganization as the Army prepares for the changing landscape of warfare with one of the...

Lt. Gen. Jeffrey Kruse, director of the Defense Intelligence Agency

Hegseth Fires General Whose Agency's Intel Assessment of Damage from Iran Strikes Angered Trump

Lt. Gen. Jeffrey Kruse will no longer serve as head of the U.S. Defense Intelligence Agency, according to the people, who...

Damage can be seen on the bow of a Liberian 751-foot commercial cargo vessel named W-Sapphire that had an explosion onboard near the Francis Scott Key Bridge.

Coast Guard to Salvage 30-Ton Hatch from Ship Explosion in Baltimore

The hatch was located earlier this week after the Army Corps of Engineers deployed a sonar-equipped survey vessel at the...

Latest Military Videos

Some National Guard Units in Washington Are Now Carrying Firearms in Escalation of Trump Deployment

Some National Guard units patrolling the nation’s capital at the direction of President Donald Trump have started carrying firearms...

Trump Responds to Israeli Strikes that Killed 5 Journalists, Suggests He'll Meet with Kim Jong Un

President Donald Trump responded Monday to Israel's strikes on a Gaza hospital that killed at least 20 people, including...

Ukrainian War Veterans Swim the Bosporus Strait in a Triumph over Their War Injuries

During a pool training session months ago, Ukrainian war veteran Oleh Tserkovnyi was struck by an idea: What if...

FBI Searches Home of Ex-Trump National Security Adviser John Bolton

A person familiar with the matter says the FBI is searching the Maryland home of John Bolton, who served...

Investigations and Features

In One of the Marines' Most Iconic Jobs, a Stunning Pattern of Suicide

Marine Corps drill instructors are a national symbol of discipline. But for some, their imposing persona belies a dark...

Army Capt. Jeremy Kuykendall and his wife Kate, cradle their daughter

Unsupervised: Military Child Care Centers Slow to Report Abuse with Little Oversight

A Military.com investigation into military day care centers revealed that service branch rules generally prioritize...

Army News

District of Columbia Mayor Muriel Bowser

'Leave Our Kids Alone': Schools Reopen in DC With Parents on Edge over Trump's Armed Patrols

Public schools have reopened in the nation’s capital with parents on edge over the presence of thousands of National Guard...

Members of the Louisiana National Guard patrol the National Mall

Trump Order Deepens National Guard’s Role in US Law Enforcement

The order requires Defense Secretary Pete Hegseth to create a specialized unit within the D.C. National Guard “dedicated to...

Navy News

A F/A-18C Hornet approaches Fighter Attack Squadron (VMFA) 323’s designated area of the flight line at Naval Air Station Fallon, Nev.

The Terrible Cost of One Deadly Midair Collision at Naval Air Station Fallon

The Fighter Pilot Podcast began rerunning "The Merge" in mid-July, and the final installment of the series is set to be...

Purple Heart Belonging to Iowa Native Being Returned to Family 80 Years Later

Earlier this summer, Bill Thompson was cleaning out an Alabama home and getting it ready for sale when he came across...

Air Force News

"Pratt & Whitney Dependable Engines" emblem at the plant in East Hartford

Jet-Engine Maker Pratt & Whitney Gets $2.9 Billion Contract Modification for Fighter-Jet Work

About 30% of the work will be carried out in Connecticut, with the vast majority of the in-state production set to take place...

Airman's M18 pistol in a clearing barrel at Fairchild Air Force Base

M18s Cleared for Use by Air Force Global Strike Command Following Airman's Death

Air Force Global Strike Command has completed its inspection of Sig Sauer M18 handguns following the death of an airman last...

Space Force News

New U.S. Space Force dress uniform at Buckley Space Force Base, Colo.

Space Force Finally Has its Own Rulebook on Dress, Appearance Guidelines for Guardians

Since being established as the smallest service branch in 2019, the Space Force has used the same guidance given to the Air...

Gavel and American flag with scales of justice.

Former Space Force Sergeant Fatally Shot Teen in 'Vigilante Violence,' Colorado Officials Say

Orest Schur received a 54-year prison sentence after a jury in June found him guilty of second-degree murder and attempted...

Marine Corps News

Marine Veteran Charged with Threatening to Shoot Schoolchildren Now Out of Jail

Once held on $1 million bond for livestreaming threats to shoot elementary school children, a military veteran is now out of...

US Naval Academy Gets First Marine Superintendent

Lt. Gen. Michael Borgschulte graduated from the U.S. Naval Academy in 1991.

Coast Guard News

Ingalls Worker Killed, Another Facing Murder Charge After Shooting at Mississippi Shipyard

Police rushed around 7:30 a.m. to the landmark shipyard in Pascagoula, where more than 10,000 people work to build boats for...