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 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...

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...

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Most Popular Military News

George Foster and a soldier examining Hideki Tojo for his new set of dentures.

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Black History Month highlights Black servicemembers whose courage shaped the military despite segregation and discrimination.

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One contractor told Military.com that the email invite was "stark, depressing, almost threatening."

Official U.S.M.C. portrait of PFC. Dan Bullock. He altered his birth certificate to appear older and enlisted in the Marines at 14 -years-old. he died in combat at the age of 15 while acting as an ammunition runner for his unit which was under attack. (Wikimedia Commons)

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Latest Military Videos

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Mexican navy seizes semi-submersible vessel carrying nearly four tons of suspected cocaine onboard.

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France will implement new military program for volunteers aged 18 and 19.

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Investigations and Features

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Army News

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Montel Williams, left, poses with U.S. Army veteran Matthew Dawson and his partner, Christina Jacome, while filming "Military Makeover." (BrandStar)

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Navy News

Navy veteran Margaret Hanley. (Facebook)

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Air Force News

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One contractor told Military.com that the email invite was "stark, depressing, almost threatening."

U.S. Air Force veteran Choice Jackson spent eight years at Beale Air Force Base in Yuba County, Calif. (Choice Jackson)

Transitioning From Military to Civilian Life: An Air Force Veteran’s Story

"From what I learned in the military, I know how to pivot," Air Force veteran Choice Jackson told Military.com.

Space Force News

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POLARIS at NATO Exercise REPMUS 25 in October 2025. POLARIS is a small, gimballed free space optical communication solution for naval vessels and unmanned surface vessels. (Photo source: NATO DIANA, courtesy of Astrolight)

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Military.com spoke with Astrolight CEO Laurynas Mačiulis on why laser-based optical communications offer a resilient...

Marine Corps News

Lt. j.g. Michael Alon, from Santa Monica, California, a member of the search and rescue swimmer team, is hoisted after a man overboard drill on the Arleigh Burke-class guided-missile destroyer USS Lenah Sutcliffe Higbee (DDG 123) in the Pacific Ocean, April 21, 2025. U.S. Navy photo by Mass Communication Specialist 2nd Class Peter K. McHaddad. Source: DVIDS

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Coast Guard News

A Department of Homeland Security building sign in Washington.

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Coast Guard Seizes 200,000 Pounds of Cocaine in Six Months in Pacific Ocean

Operation Pacific Viper, which began in August, is getting rave reviews from federal officials.