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.

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

VP Vance Says Denmark ‘Obviously’ Had Not Done a Proper Job in Securing Greenland

US VP Vance says Denmark “obviously” had not done a proper job in securing Greenland.

US Seeks to Assert Its Control over Venezuelan Oil with Tanker Seizures

US seeks to assert its control over Venezuelan oil with tanker seizures and sales worldwide.

Johnson on Military Action in Greenland ‘I Don’t Think That’s Appropriate’

Johnson on military action in Greenland ‘I don’t think that’s appropriate’.

Venezuela's Interim President Declares 7 Days of Mourning for Soldiers Killed in US Attack

Venezuela's interim president declares seven days of mourning for soldiers killed in US attack.

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

American and Australian troops dug in together during the Battle of Hamel. Hamel was fought in the early morning and by a happy arrangement on what was their National Day, United States troops attacked, at battalion strength, for the first time in the British line. Their part in the operation not only made the day memorable for them, but created a great bond between the Americans and Australians. Left to right: five unidentified; Private Jamieson, 42nd Battalion; Lance Corporal Bellamy, 42nd Battalion. (Wikimedia Commons)

The Battle of Hamel: Australian Soldiers Taught American Doughboys to Fight Germans in WWI

For the first time in American history, U.S. soldiers would fight under a foreign command. In 93 minutes, they would help win...

American soldiers pose with a captured Italian flag in Sicily, 1943. Some of the men are sporting captured Axis helmets. (Wikimedia Commons)

The Biscari Massacre: Patton’s Soldiers Executed 73 Axis POWs, Then the Army Covered it Up

The 45th was the only "green" division in the invasion with no combat experience. Its 180th Infantry Regiment struggled badly...

Navy News

Hegseth Censures Sen. Kelly After Warning About Following Illegal Orders

Defense Secretary Pete Hegseth has announced that he is issuing a letter of censure to Democratic Sen. Mark Kelly of Arizona...

U.S. military aircraft are parked on the tarmac at the airport in Ceiba, Puerto Rico.

How the US Captured Venezuelan Leader Nicolás Maduro

Trump said a few U.S. members of the operation were injured but he believed no one was killed.

Air Force News

Air Force veteran Dominic Marino was murdered in the fall of 2018. Police are still searching for leads in his case. (Photo from obituary)

Who Killed Dominic Marino? 7 Years Later, Murder of Disabled Veteran Baffles Police

More than seven years after Dominic Marino was brutally killed inside his Connecticut home, police are still searching for...

President Donald Trump talks to the media.

With Capture of Maduro, Trump Treads Into Uncharted Territory

Trump has now twice used U.S. forces to carry out risky operations against American adversaries.

Space Force News

President Donald Trump holds top a signed executive order as Defense Secretary Pete Hegseth watches in the Oval Office of the White House, Friday, Sept. 5, 2025, in Washington. (AP Photo/Alex Brandon)

How Trump’s 2025 'War' Agenda Rewired the Pentagon

Trump’s 2025 executive actions reshape how the current administration defines national security.

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

Louis Tanzer, a retired 105-year-old staff sergeant, raises his fist after eating cake during the United States Marine Corps 250th birthday celebration in Boston. (Photo from Matt Stone/Boston Herald)

105-Year-Old Massachusetts Veteran Believed to Be Nation’s Oldest Marine

Louis Tanzer, likely the nation's oldest living Marine Corps veteran, received quite a celebration after turning 105 years of...

U.S. Marine Corps Sergeant Kendell Jones, Headquarters Company, Marine Corps Base Camp Blaz, performs cardiopulmonary resuscitation on a training dummy with an automated external defibrillator during a CPR and AED course, on MCB Camp Blaz, Guam, Nov. 14, 2025 (U.S. Marine Corps photo by Lance Corporal Afton Smiley)

The Push for AEDs at Every Marine Physical Training Session

Sudden cardiac arrest remains the top non-traumatic cause of death for young U.S. service members, with rates reaching as...

Coast Guard News

US Forces Board Venezuela-Linked Sanctioned Oil Tanker in North Atlantic, US Official Says

A U.S. official says U.S. forces have boarded a Venezuela-linked sanctioned oil tanker in the North Atlantic after pursuing...

The Port of Guam as seen from the motor vessel Kenyo, offloading cement in Guam, on Oct. 20, 2022. The Port of Guam is the island's only deepwater port and receives about 90 percent of the island's imports. (U.S. Coast Guard photo by Chief Warrant Officer Sara Muir)

Energy Impact of MARAD Takeover of Deepwater Ports From Coast Guard

U.S. officials said the change in who's overseeing deepwater licenses will boost domestic energy revenue and allow for global...