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

Senators React After Admiral Bradley's Boat Strike Briefing

Senators react after Admiral Bradley's boat strike briefing on Capitol Hill.

The New York Times Sues the Pentagon over Defense Secretary Hegseth's Media Rules

The New York Times sued Defense Secretary Pete Hegseth over rules that he imposed on journalists this fall.

Air Force Pilot Ejects Before F-16 Fighter Jet Crashes in California Desert

Military officials say a fighter jet with the Air Force's Thunderbirds demonstration squadron has crashed in the Southern California...

Senate Leaders Voiced Opinions on Hegseth

Senate leaders of both parties voiced opinions on Hegseth and use of military force against Venezuela

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

Veteran Ed Bambas, left, with influencer Samuel Weidenhofer. (Photo from Instagram)

Internet Raises $1.7M (And Growing) for Army Vet, 88, Still Working at Grocery Store

Following some tough financial loses, 88-year-old Army veteran Ed Bambas went back to work. After his story went viral, more...

Norman Irwin joined the British Army in 1939. (Photo from British Army)

Northern Ireland's Oldest World War II Veteran Turns 107

Norman Irwin, Northern Ireland's oldest citizen, was recently honored by the British Army after celebrating his 107th...

Navy News

The USS Intrepid Museum. The historic ship sits in Hell’s Kitchen in New York City. (Wikimedia Commons)

Historic USS Intrepid Digitally Preserved in Unprecedented Detail Using Advanced 3D Laser Scanning Technology

In a unique partnership between the Intrepid Museum and FARO Technologies, one of America's most historic aircraft carriers...

Hegseth Defends Strikes on Alleged Cartel Boats, Says Trump Can Order Use of Force 'as He Sees Fit'

Though Hegseth compared the alleged drug smugglers to Al-Qaida terrorists, experts have noted significant differences between...

Air Force News

Lindsay Gutierrez. (Photo from Pinups For Vets)

Double Organ Donor to Pin-Up Model, Air Force Veteran Keeps Changing Lives

Air Force veteran Lindsay Gutierrez, one of about 280 people in the U.S. who are living double organ donors, is again helping...

Air Force Pilot Safely Ejects Before F-16 Fighter Jet Crashes in California Desert

Military officials say a fighter jet with the Air Force's Thunderbirds demonstration squadron has crashed in the Southern...

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

U.S. Marines with Marine Corps Base Camp Blaz stand at attention during a Christmas tree lighting ceremony in Tumon, Guam, Dec. 2, 2025 (U.S. Marine Corps photo by Corporal Ryan Little)

Christmas Across the Corps 2025: Top Community Events

Christmas Across the Corps 2025: Tree lightings, Santa photos, parades, and free festivals at Quantico, Lejeune, Pendleton...

Marine Dies in Training Exercise at Camp Pendleton

Authorities say a U.S. Marine has died during a training exercise at Southern California's Camp Pendleton.

Coast Guard News

Sen. Jacky Rosen, D-Nev., arrives at the chamber.

Senators Want Answers From Coast Guard on How it Probes Displays of Swastikas or Other Hate Symbols

Sen. Jacky Rosen, D-Nev., warned that “relaxing policies aimed at fighting hate crimes not only sends the wrong message to...

Coast Guardsmen assigned to the Law Enforcement Detachment conduct small boat operations with sailors assigned to the littoral combat ship USS Charleston during a southern border support mission in the Pacific Ocean, May 30, 2025. (Navy Seaman Joey Sitter, DoW).

Coast Guard Reverses Course on Policy to Call Swastikas and Nooses 'Potentially Divisive'

The U.S. Coast Guard has released a new, firmer policy addressing the display of hate symbols like swastikas and nooses just...