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

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...

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...

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...

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.

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.

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...

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.

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...

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Most Popular Military News

U.S. Marine Corps Staff Sgt. Mujuni Menani, a senior drill instructor with Fox Company, 2nd Recruit Training Battalion, Recruit Training Regiment, recites the drill instructor creed on Marine Corps Recruit Depot Parris Island, S.C., Jan. 31, 2026. These drill instructors will be responsible for training and mentoring their recruits during the 13 weeks of recruit training. (U.S. Marine Corps photo by Cpl. Jordy Morales)

The Recruiting Surge Was Engineered. Can It Last in a War with Iran?

The military’s recruiting surge didn’t happen by accident. New programs drove gains, but as the war with Iran grows...

New recruits take the oath of enlistment at the Advocate Center for the Eleventh Annual Chicago Bulls Special Recruit Division Enlistment Ceremony in Chicago. (U.S. Navy photo by Mass Communication Specialist 2nd Class Camilo Fernan)

Could the US Bring Back the Draft? Who Would Be Called First — and Who Qualifies

Could the U.S. bring back the draft? Here’s how Selective Service works today, who would be called first and why only about...

A U.S. Army armored vehicle equipped with advanced targeting and air defense systems maneuvers through a training range, reflecting the service’s push to integrate AI-driven capabilities and rapidly field combat-ready technology. (U.S. Army Materiel Command)

Army Speeds AI Warfighting Push as US Troops are in Active Combat

An Army test used AI tools to hit 15 targets in one hour, signaling a rapid shift in how battlefield decisions are made and...

VA Study: Ozempic, Other GLP-1 Drugs May Fight Addiction Across Every Major Substance

For the more than 48 million Americans with substance use disorders, including a disproportionate share of veterans, GLP-1...

Bonnie Carroll, founder of TAPS, hugging a survivor (Photo courtesy of TAPS).

After the Knock on the Door: How TAPS Supports Military Families for Life

After a service member dies, families face a lifetime of grief. TAPS founder Bonnie Carroll explains how the organization...

Latest Military Videos

UN Human Rights Chief Calls for Protection of Children After Strike on Iran School

UN human rights chief calls for protection of children after strike on Iran school.

Judge Weighs Whether Venezuela Can Pay Maduro's Legal Costs

Judge weighs whether Venezuela can pay Maduro's legal costs in US drug trafficking case.

Speaker Johnson Says Iran Should ‘Take Note’ of the Troop Buildup in Middle East

Speaker Johnson says Iran should ‘take note’ of the troop buildup in the Middle East.

Colombia Investigates Military Plane Crash that Killed 69

Colombia investigates military plane crash that killed 69 as doctors identify victims.

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

The Secretary of the Army Dan Driscoll and Sergeant Major of the Army Michael R. Weimer awarded eight meritorious service medals and two Purple Hearts to cadets from Old Dominion University Army ROTC during a private ceremony on March 22, 2026. The cadets from ODU were recognized for their bravery and sacrifice during the March 12 shooting incident in their ROTC classroom. U.S. Army photo by Ian Ives. Source: DVIDS.

Honor Under Fire: ODU Cadets Receive Army Recognition for Bravery and Sacrifice

Army ROTC cadets at Old Dominion stopped a campus shooter and later received Meritorious Service Medals and Purple Hearts for...

Army Speeds AI Warfighting Push as US Troops are in Active Combat

An Army test used AI tools to hit 15 targets in one hour, signaling a rapid shift in how battlefield decisions are made and...

Navy News

USS Ross Departs Naval Station Norfolk

The destroyer is part of the George H. W. Bush carrier strike group, which is likely relieving the overdue Gerald R. Ford’s...

U.S. Navy veteran John Wells is honored on March 20 with the DAR Medal of Honor by the Louisiana Society of the National Society Daughters of the American Revolution (DAR) during its 117th state conference held in Alexandria, La. (DAR)

Navy Veteran Who Helped Service Members Affected by Agent Orange Honored

Navy veteran John Wells has given to his country, and to his fellow men and women. His legal work helped result in landmark...

Air Force News

Brother and Sister Are Charged After an Explosive Device Was Found Outside a Florida Air Force Base

A brother and sister have been charged after an explosive device was found outside a gate at MacDill Air Force Base in Tampa.

This year's USO 2026 "Service Members of the Year." (USO)

'Exceptional Courage': USO Announces its 2026 Service Members of the Year

This year's crop of USO honorees saved motorcycle crash victims, rescued bodies underwater, saved civilians from a building...

Space Force News

'Exceptional Courage': USO Announces its 2026 Service Members of the Year

This year's crop of USO honorees saved motorcycle crash victims, rescued bodies underwater, saved civilians from a building...

How Nuclear Waste Can Save Military Satellites and Lunar Exploration

Russia and China can black out military satellites in seconds. A Latvian startup says nuclear-waste generators using 5x less...

Marine Corps News

D. R. Howe (Glencoe, MN) treats the wounds of Private First Class D. A. Crum (New Brighton, PA), Company H, 2nd Battalion, Fifth Marine Regiment, during Operation Hue City. (USMC Photo)

'Like Dante's Inferno': One Marine’s Experiences in Vietnam and the Battle of Hue

Cpl. Charles McMahon was on a convoy entering Hue when the NVA seized the city. He spent the next month fighting through it...

U.S. Sen. Lindsey Graham of South Carolina meets with U.S. service members during a visit at Prince Sultan Air Base, Saudi Arabia, April 15, 2023. Graham visited the Kingdom of Saudi Arabia to meet with Team PSAB service members and show support. (U.S. Air Force photo by Senior Airman Stephani Barge)

Senator References Bloodiest Battle in USMC History While Urging Attack on Kharg Island

Sen. Lindsey Graham, R-S.C., drew sharp criticism from fellow GOP lawmakers after invoking the Battle of Iwo Jima while...

Coast Guard News

'Exceptional Courage': USO Announces its 2026 Service Members of the Year

This year's crop of USO honorees saved motorcycle crash victims, rescued bodies underwater, saved civilians from a building...

Service members move through a TSA Honor Lane at a U.S. airport, as security systems face increasing pressure amid a Department of Homeland Security funding lapse (DVIDS).

Rising US Casualties in Iran Put New Strain on Homeland Security

As U.S. casualties rise in Iran, a DHS shutdown is stretching homeland security—exposing growing strain between war abroad...

Lacey Langford

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