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 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...

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 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

Sig Sauer M18 pistols rest in simulation configuration

Air Force Announces Arrest Related to Firearm Death of Airman That Prompted M18 Probe

The news marks a major development in the ongoing investigation into the circumstances behind Lovan's death and the scrutiny...

The Little-Known Role of Jimmy Doolittle in Nagasaki Atomic Bombing

Lt. Col. James H. "Jimmy" Doolittle famously led the first U.S. strike against the Japanese homeland during World War II, and...

Illustration by Anja Slibar for The 19th

‘No Purging on My Ship.’ She Hid an Eating Disorder and Lost Her Navy Career. It Saved Her Life

Advocates worry the military’s focus on ‘fit, not fat’ is silencing service members who struggle with their body image.

Cadets sit during the U.S. Air Force Academy Class of 2025 graduation ceremony at Falcon Stadium

Air Force Academy Details Thin on Faculty Plans After Civilian Resignations

As classes resume at the Air Force Academy for the fall semester, U.S. Rep. Jeff Crank asked the superintendent for a clear...

Police tape surrounds The Owl Bar in Anaconda, Montana

Army Veteran Suspected of Killing 4 People at a Montana Bar Is in Custody, Authorities Say

Michael Paul Brown, who lived next door to The Owl Bar in Anaconda, served in the Army as an armor crewman from 2001 to 2005...

Air Force Senior Airman Brandon Stout, 380th Expeditionary Civil Engineer Squadron, does pull-ups during a workout at an undisclosed location in Southwest Asia.

Circuit to Improve Pull-Ups: First Strength, Then Muscle Stamina

Many people struggle with pull-ups at first, but with practice, this exercise can be rewarding and can build upper body...

Latest Military Videos

US Defends Israel at Security Council Meeting

A special session of the UN Security Council on the Middle East was called Sunday as international condemnation over...

New Recruit Among Ukrainian Soldiers Training at Key Battlefield on Front Line with Russia

Ukrainian soldiers of the Spartan brigade conducted drills on Friday, honing their skills for the battlefield in the Pokrovsk...

Trump Says He's Placing Washington, DC, Police Under Federal Control, Deploying the National Guard

U.S. President Donald Trump says he is placing the Washington, D.C., police department under federal control and deploying the...

7 Members of Same Palestinian Family Killed by Israeli Strike on Southern Gaza

Seven Palestinians from the same family were killed by an Israeli strike overnight into Monday, according to a hospital...

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

President Donald Trump holds up a chart in front of Defense Secretary Pete Hegseth

'We're Going to Take Our Capital Back': Trump Calls for DC Deployments Despite Falling Crime Rates

Notably, the order's text also paves the way for more guard deployments from other states and overall increases by giving...

Secretary of the Army Dan Driscoll speaks with Brig. Gen. Patrick M. Costello

Activist and Trump Confidant Seeks to Oust Army Secretary

Far-right political activist and close confidant to President Donald Trump Laura Loomer launched an unusual public attack on...

Navy News

Navy Identifies Recruit Who Died at Great Lakes Firing Range

Seaman Recruit Kayshawn Wilkerson, 18, died Wednesday following an incident at the base's firing range, according to the Lake...

The Little-Known Role of Jimmy Doolittle in Nagasaki Atomic Bombing

Lt. Col. James H. "Jimmy" Doolittle famously led the first U.S. strike against the Japanese homeland during World War II, and...

Air Force News

Students in the 346 Training Squadron use schematics

Service Investigating After Airman Died During Physical Training Test in California

Airman 1st Class Syamukonka Moonga, assigned to Port Hueneme's 346th Training Squadron, died on Aug. 4 at the California...

Air Force Announces Arrest Related to Firearm Death of Airman That Prompted M18 Probe

The news marks a major development in the ongoing investigation into the circumstances behind Lovan's death and the scrutiny...

Space Force News

U.S. Rep. Dale Strong (R-Alabama) speaks to the Huntsville-Madison County Chamber.

Alabama Congressman ‘100% Sure’ US Space Command Coming to Huntsville

U.S. Rep. Dale Strong (R-Alabama) said he has been assured by President Donald Trump that U.S. Space Command is coming to...

U.S. Space Force Brig. Gen. Brian Denaro, newly appointed U.S. Space Forces Indo-Pacific commander, gives a speech

First Leader of Space Force Pacific Command Ends Tenure

The first leader of the U.S. Space Force’s Pacific command officially ended his tenure in Hawaii in a change of command...

Marine Corps News

California National Guard members are positioned at the Federal Building in downtown Los Angeles

Trial to Start on Whether Deployment of National Guard to Los Angeles Violated Federal Law

A federal judge in San Francisco will consider evidence and hear arguments on whether the Trump administration violated...

The entrance to Marine Corps Base Camp Pendleton is seen in Oceanside, California.

Man Pleads Insanity in Threats to Camp Pendleton and Then-President Biden

A competency evaluation conducted after his arrest showed he suffered a “severe mental disease” that left him incompetent to...

Coast Guard News

Debris from the Titan submersible, recovered from the ocean floor near the wreck of the Titanic

Titan Sub Disaster Tied to Ignored Warnings and Weak Oversight, Coast Guard Says

The 2023 Titan submersible disaster that killed five people could have been prevented, the U.S. Coast Guard said, but...

Coast Guard Loopholes Could Be Linked to Miami Barge Crash, Maritime Experts Say

If a commercial tugboat is under 26 feet, it is subject to fewer requirements and restrictions, a retired ferry, barge and...