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

The front of a medical building appears with the sign "Clinical Annex."

Ask Lacey: Should I Stay Signed Up for Medicare Part B?

For military retirees and their eligible family members, Tricare for Life works hand in hand with Medicare.

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.

Military News

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Most Popular Military News

Rep. Michael Lawler, R-N.Y., left, confronts House Minority Leader Hakeem Jeffries, D-N.Y.

Federal Government Shutdown Grinds into a Second Week as Tempers Flare at the Capitol

As the federal government shutdown enters a second week, there’s no discernible endgame in sight.

U.S. Sen. Richard Blumenthal (D-Conn.) questions U.S. Attorney General Pam Bondi as she testifies before the Senate Judiciary Committee in the Hart Senate Office Building on Capitol Hill in Washington, D.C.

Trump Targets Blumenthal, Calling for Investigation into Senator's Vietnam Service Claims

President Donald Trump is targeting U.S. Sen. Richard Blumenthal again after Connecticut’s senior U.S. senator grilled U.S...

Pvt. Paul Douglas, age 50, performs a rifle inspection with his drill instructor aboard Marine Corps Recruit Depot S.C., 1942. Douglas, at age 50 was the oldest recruit in the history of Parris Island, and went on to become a purple heart recipient and Chicago senator (DVIDS).

At 50, He Survived Marine Boot Camp — Then Fought at Peleliu and Okinawa

When 50-year-old Paul Douglas showed up at Marine Corps boot camp in 1942, the white-haired economics professor looked more...

Pack and transport platoon of the Russian army. Southern Military District. Ministry of Defense of Russia (Wikimedia Commons).

Ukrainian Drones Attack Russian Cavalry Troops in Rare 21st-Century Encounter

A short video circulating online this month appears to show a Russian mounted patrol being struck by a Ukrainian drone near...

When The Government Can Afford Everything Except The Essentials

Every shutdown forces the government to decide what counts as “essential.” Air traffic controllers and TSA agents fall into...

Troops Will Miss Paychecks Next Week Without Action on the Government Shutdown

The federal government shutdown is raising anxiety levels among service members and their families, because those in uniform...

Latest Military Videos

Mothers and Wives of Fallen Ukrainian Soldiers Plant Trees to Remember Their Sacrifice

Wives and mothers of Ukrainian soldiers who died in the fight against Russia planted trees in a public park...

Destruction in Gaza Visible from Southern Israel

From multiple vantage points, debris piles are visible as a result of bombing in Gaza. (AP) Oct. 24

Russia Targets Kyiv with Drones, Killing 3 and Wounding 29

Russia attacked Ukraine with 101 drones over Saturday night into Sunday, according to Ukraine’s air force, of which 90...

Master Class: Resume Writing Workshop for Military Members & Spouses

Learn how to translate your military experience into a results-driven resume that speaks to civilian employers. Walk away with...

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

A photo of a transmittable satellite produced by Gilat DataPath. (Credit: Gilat Satellite Networks Ltd.)

Company Inks $7M Deal to Provide Satellite Technology to US Army

The Russia-Ukraine war has just in the past three years transformed technological capabilities and made the international...

World War II veteran James Underwood's dog tag. (Submitted photo)

Lost for 82 Years, World War II Soldier’s Dog Tag Returns to Family

Lost for 82 years in the woods of England, a Georgia family is finally reunited with their father's World War II dog tag.

Navy News

Venezuela's Maduro Says the US is Fabricating a War

“They promised they would never again get involved in a war and they are fabricating a war that we will avoid,” said...

Roberto Garcia was a Navy seaman killed during the attack on Pearl Harbor. (Submitted photo)

After Eight Decades, Pearl Harbor Sailor Finally Laid to Rest

Roberto Garcia, a Navy seaman, was killed aboard the USS California when the Japanese attacked Pearl Harbor on Dec. 7, 1941...

Air Force News

President Donald Trump speaks during a meeting with Australian Prime Minister Anthony Albanese in the Cabinet Room of the White House in Washington.

Former US Airman Threatened to Assassinate Trump Over LGBTQ+ Policies, Feds Say

Joshua Levi Young, 21, of Ishpeming, is accused of issuing several threats since January that called for the execution of...

Shield AI's newly unveiled X-BAT autonomous fighter jets. The VTOL drones are designed to fly combat missions alongside crewed aircraft as part of the Air Force's Collaborative Combat Aircraft program. (Shield AI)

Shield AI Unveils Fully Autonomous VTOL Fighter Jet

A San Diego defense technology company unveiled an artificial intelligence-piloted fighter jet Tuesday that can take off...

Space Force News

U.S. Air Force U.S. Air Force Tech. Sgt. Rachel Harmon and Master Sgt. Tom Anderson, weapons loaders assigned to the 174th Attack Wing, checks an inert GBU 12 laser guided missile on an MQ-9 Reaper at Springfield-Beckley Air National Guard Base in Springfield, Ohio.

Two Space Force Units Bring the 'Invisible Front Line' to Ohio

A ceremonial ribbon-cutting is planned for Friday for the Space Intelligence Production Cell at the Springfield-Beckley Air...

A painting of a Defense Support Program satellite from the Air Force Art collection. DSP provides a variety of national security capabilities. Its flagship mission of launch detection was made famous during the Cold War. (U.S. Air Force image)

Clearing The Orbits: Space Force Partnerships In Orbital Cleanup

The growing congestion of Earth orbit has raised risks to satellites, space stations, and long-term space sustainability. The...

Marine Corps News

Runners and Marine Corps service members at the 2024 Marine Corps Marathon. (Photo by Marine Corps Marathon media team)

Marine Corps Marathon Marks 50 Years of Running With Purpose

This Sunday, Oct. 26, the Marine Corps Marathon will mark its 50th anniversary as one of the largest races in the U.S.

People watch the traffic as signs alert drivers about the closure of the 5 Freeway on Saturday, Oct. 18, 2025, in San Clemente, California. A 17-mile stretch of the 5 Freeway was temporarily closed Saturday due to a live-ammunition demonstration at Camp Pendleton, held in celebration of the U.S. Marine Corps' 250th anniversary. (Apu Gomes/Getty Images/TNS)

No Public Warnings Before Marines Test-Fired Live Munitions Over Busy Interstate 5, Train Lines

New questions are emerging about why there were no public warnings before the U.S. Marines fired over Interstate 5 and a...

Coast Guard News

Coast Guardsmen stand watch behind a barrier at Coast Guard Base Alameda.

Shots Fired, Driver Hurt and Held After Truck Rams Into Coast Guard Base Alameda

No Coast Guard personnel were hurt.

The East Oakland entrance to the military installation — which marks the only way on or off of the island by car or truck — became the site of protests Thursday when federal agents arrived in the Bay Area as part of the next phase of President Donald Trump’s immigration crackdown. (Kyle Martin)

Security Personnel Outside Coast Guard Base Open Fire at U-Haul Truck at Scene of Immigration Protests

Multiple security personnel opened fire Thursday night at a U-Haul truck that had been backing up to the entrance to Coast...