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.

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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

This Medal of Honor Recipient Reenlisted to Avenge his Brother's Death in Korea

Ronald Rosser, who had already served three years in the Army, signed back up for one simple reason: revenge...

'Greatest' US Soldier Took a Tank Round to the Leg and Kept Fighting

The accounts of everyone who watched Matt Urban mount a tank under heavy fire in Normandy were "remarkably consistent"...

Wreckage of Turkish Military Cargo Plane that Crashed in Georgia

A Turkish accident investigation team reached the crash site of a military cargo plane early Wednesday and was inspecting...

Video Shows Moment of Turkish Military Plane Crash

Footage obtained by Georgian media showed the moment a Turkish military plane crashed in Georgia.

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

Capt. James T. Kolb of Company A, 147th Infantry, assisted by Sgt. Keogh, uses a flamethrower against dug-in Japanese troops on Iwo Jima, April 20, 1945. Relieving Marine Corps units, the Soldiers of the Ohio National Guard’s 147th Infantry Regiment fought on the island from March to September 1945, clearing the remaining enemy troops, some of whom were hiding in intricate cave systems. (Photo from Ohio Army National Guard Historical Collections)

The Only Army Unit to Fight in Five of the Marine Corps’ Bloodiest WWII Battles — Including Iwo Jima

From Guadalcanal to Okinawa, the Marine Corps earned its reputation for tackling some of the bloodiest battles of World War...

Herbert Morton Stoops’ Battle of New Orleans captures the fury of the British assault against the American lines at Chalmette Plantation. Contrary to Stoops’s depiction of the 93d Highlanders, which shows them wearing kilts, the Scotsmen attacking the American lines wore trousers. (Army Art Collection)

How a Rag-Tag Group of Soldiers, Marines, Choctaw, Militia and Pirates Saved New Orleans From the British

By December of 1814, American forces were in tatters. The Redcoats had dominated them in the War of 1812, repulsed their...

Navy News

Iran Seizes Tanker in Strait of Hormuz, US Official Says, as Tensions Remain High in Region

Iran seized a Marshall Islands-flagged oil tanker as it traveled through the narrow Strait of Hormuz, a U.S. official said...

How a Rag-Tag Group of Soldiers, Marines, Choctaw, Militia and Pirates Saved New Orleans From the British

By December of 1814, American forces were in tatters. The Redcoats had dominated them in the War of 1812, repulsed their...

Air Force News

Postal workers wear masks and gloves as they sort mail at the United States Postal Service processing and distribution center on Thursday, April 30, 2020, in Oakland, Calif. (AP Photo/Ben Margot)

Final Salute for Airman Found Dead in USPS Machine

An Air Force veteran was recently found dead inside a mail-handling machine at a Michigan USPS facility after going missing...

NATO Secretary General Mark Rutte speaks during the NATO-Industry Forum (NIF) 2025, in Bucharest, Romania, Thursday, Nov. 6, 2025. (AP Photo/Andreea Alexandru)

White Paper Circulating Pentagon Calls For New Aircraft Plan With NATO: Exclusive

Military.com has exclusively learned that a white paper on U.S. aircraft in association with NATO allies is moving through...

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

The Only Army Unit to Fight in Five of the Marine Corps’ Bloodiest WWII Battles — Including Iwo Jima

From Guadalcanal to Okinawa, the Marine Corps earned its reputation for tackling some of the bloodiest battles of World War...

How a Rag-Tag Group of Soldiers, Marines, Choctaw, Militia and Pirates Saved New Orleans From the British

By December of 1814, American forces were in tatters. The Redcoats had dominated them in the War of 1812, repulsed their...

Coast Guard News

U.S. Homeland Security Secretary Kristi Noem participates in a tour at the U.S. Coast Guard Station Charleston, Friday, Nov. 7, 2025, in Charleston, S.C. (AP Photo/Alex Brandon, Pool)

More Recruits Require More Space: Coast Guard Announces New Training Center

Days after the U.S. Coast Guard announced some of its highest recruiting numbers in decades, it now intends to open a new...

US Coast Guard Recruitment Hits Highest Mark in Decades: 'Workforce of Future'

The service hits its highest numbers since 1991, with bigger plans to come.

Lacey Langford

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