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

Trump Doubts Ukraine Will Win War with Russia, Expects a 'Fair Deal' with China

President Donald Trump pulled back Monday on his previous assertion that Ukraine could win back all territory from Russia...

US Vice President JD Vance Discusses Renewed Violence in Gaza

US Vice President JD Vance on Sunday said there would be “fits and starts” in the truce between Israel...

Trump Considering Tomahawks' Request from Zelenskyy, Vance Says

The United States is considering a request by Ukraine for long-range Tomahawk missiles, US Vice President JD Vance has...

Children Among the Killed and Injured by Israeli Strikes Arrive at Nasser Hospital in Khan Younis

Children were among the killed and injured by Israeli strikes on Sunday, and arrived at Nasser hospital in Khan...

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

Trump Nominates New Army Vice Chief with Current General Just Two Years into the Role

President Donald Trump has nominated Lt. Gen. Christopher LaNeve to serve as the Army’s second-highest-ranking officer...

Industry partners demonstrate an AI-enabled robotic combat system during Operation Hard Kill at Fort Drum, New York, Aug. 1, 2024. The Pentagon is racing to integrate artificial intelligence into military operations, with the Department of War investing $100 million to accelerate AI adoption across autonomous weapons systems and battlefield command decisions. The demonstration reflects the military's urgency to deploy AI before adversaries like China and Russia gain an irreversible technological edge. (U.S. Army photo by Capt. Eric-James Estrada)

Army Leaders Embrace AI for Command Decisions as Pentagon Accelerates Technology Race With China

The Pentagon is racing to deploy artificial intelligence across military operations before adversaries gain an irreversible...

Navy News

WAVES pigeon trainers release homing pigeons during training, February 1944. These birds flew messages from Navy blimps hunting German U-boats when radio silence was critical to avoid detection. (U.S. Navy/National Archives)

How Pigeons Helped U.S. Navy Blimps Hunt German U-Boats in World War II

The U.S. Navy's use of pigeons began decades before World War II, but the birds found their most critical mission during the...

Firing Artillery Over Interstate 5 Considered Unusual for Camp Pendleton, Some Experts Say

A simulated beach assault in which artillery was fired from the sand toward the interior of the sprawling base was intended...

Air Force News

GOP Lawmaker With Furloughed Military Spouse Calls Firing of Federal Workers 'Mixed Bag'

Threats to fire federal workers have occurred as the government shutdown could soon become the second longest ever unless a...

Special Charlie Kirk Honorary Recognition Withdrawn by Air Force Academy Board

Charlie Kirk was assassinated in September and his death has resulted in some to honor him posthumously in myriad ways.

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

2nd DSB Prepares ALPV for Refueling Operations (DVIDS, Photo by LCpl Franco Lewis)

UNITAS 2025: Marines Foster Multinational Collaboration

The U.S. Marine Corps took lead on UNITAS 2025 at Camp :Lejeune, North Carolina, in September 2025 in support of Commander, U...

The sign at the entrance at Marine Corps Base Camp Pendleton

Key Camp Pendleton Document Has No Approved Artillery Firing Locations West of I-5

Thousands of Southern California motorists planning to travel between San Diego and Orange or Los Angeles counties Saturday...

Coast Guard News

A Coast Guardsman stands on the forward deck of a 45-foot response boat-medium and prepares to handle line on a channel marker buoy outside of the Honolulu harbor entrance.

Coast Guard’s Pacific Mission Continues to Expand

As tensions with China continue to simmer and drug war operations ramp up in the Americas, the Coast Guard’s duties continue...

Russian-made military vehicles on display in Caracas during a 2014 commemoration. Venezuela continues to rely heavily on Russian military equipment, including tanks, armored vehicles and air defense systems now positioned to counter U.S. forces in the Caribbean. (Cancillería del Ecuador/Wikimedia Commons)

What U.S. Forces Face as Venezuela Puts Russian-Armed Military on Wartime Alert

The 10,000 U.S. troops now operating in the Caribbean were sent to interdict drug boats. But Venezuelan President Nicolás...