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.

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

Trump's Insurrection Act Threat Stands Out Against the Law's Long History

Trump's Insurrection Act threat stands out against the law's long history.

Venezuela's Machado Says She Presented Nobel Peace Prize to Trump

Venezuela's Machado says she presented Nobel Peace Prize to Trump.

At a Devastated Training Base, War Can’t Stop Ukraine’s Winter Athletes

At a devastated training base, war can’t stop Ukraine’s winter athletes.

FBI Searches a Washington Post Reporter's Home

FBI searches a Washington Post reporter's home as part of a classified documents investigation.

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

'Cautiously Optimistic': War Hero’s Medal of Honor Awaits Trump Decision

A decade after Staff Sgt. Michael H. Ollis died shielding a fellow soldier in Afghanistan, his family now waits as President...

Army soldier Ben Gross in Korea in 1953. (Submitted photo)

Korean War Veteran Reunited with Lost Letters from 1952

Ben Gross is trying to hunt down remaining lost letters he wrote back home from the Korean War more than 70 years ago.

Navy News

Smoke rises from the wreck of USS LST-480, at right, as tugs and other craft try to put out her fires. At left is USS LST-39, also burning, with men on her bow ramp, probably removing cargo, and other vessels alongside and nearby. Photograph is dated 22 May 1944, the day after the explosion. (Wikimedia Commons)

Pearl Harbor's Forgotten 1944 Disaster Killed at Least 163 Men and Reformed Navy Safety Measures

The blast consumed everyone near the bow. No witnesses survived to explain what triggered the detonation. A fireball erupted...

Protesters gather around a fire during overnight demonstrations in Iran as unrest continues across multiple cities amid a government crackdown on dissent. (Associated Press)

Iran Death Toll Soars as Trump Keeps Military Options on Table

Iran’s nationwide protests entered a volatile third week as casualty estimates climbed and new sanctions took effect.

Air Force News

An artist rendering of the proposed Vietnam Veterans' Memorial in Myrtle Beach, South Carolina. (Photo from Terry Massey/The Post & Courier)

Vietnam Veterans’ Memorial Coming to South Carolina Tourist Town

Myrtle Beach, South Carolina is working on another attraction that will finally honor the sacrifices of Vietnam War veterans.

Air Force veteran Dominic Marino was murdered in the fall of 2018. Police are still searching for leads in his case. (Photo from obituary)

Who Killed Dominic Marino? 7 Years Later, Murder of Disabled Veteran Baffles Police

More than seven years after Dominic Marino was brutally killed inside his Connecticut home, police are still searching for...

Space Force News

President Donald Trump holds top a signed executive order as Defense Secretary Pete Hegseth watches in the Oval Office of the White House, Friday, Sept. 5, 2025, in Washington. (AP Photo/Alex Brandon)

How Trump’s 2025 'War' Agenda Rewired the Pentagon

Trump’s 2025 executive actions reshape how the current administration defines national security.

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

A military working dog and handler, alongside Naval Criminal Investigative Service (NCIS) agents and Commander, Fleet Activities Yokosuka (CFAY)Security personnel, conduct a routine K-9 sweep at postal distribution facility. (U.S. Navy photo by Sheryl Sullivan)

Two Marines Were Murdered in 1980. New Evidence Could Open the Cold Case.

An NCIS spokesperson told Military.com that a 45-year-old cold case involving murdered Marines is still being investigated...

U.S. Marine Corps Cpl. Grant Morris, a digital wideband systems maintainer with 2nd Intelligence Battalion, II Marine Expeditionary Force Information Group, II MEF, works on the hand-held radio test set at Marine Corps Base Camp Lejeune, North Carolina, Sept. 4, 2025 (U.S. Marine Corps photo by Lance Corporal Brady Hathaway)

Marines Revolutionize Readiness at Innovation Campus

Marines at the II MEF Innovation Campus are revolutionizing combat readiness with additive manufacturing. 2nd MLG troops 3D...

Coast Guard News

Adm. Kevin Lunday was sworn in Thursday as the 28th commandant of the United States Coast Guard. (US Coast Guard)

New US Coast Guard Commandant Kevin Lunday Sworn In: 'Nation Will Prevail'

“I am honored to assume command of the United States Coast Guard,” Adm. Kevin Lunday told Military.com prior to becoming the...

US Seizes Another Sanctioned Oil Tanker It Says Has Ties to Venezuela

U.S. forces in the Caribbean Sea have seized another sanctioned oil tanker the Trump administration says has ties to...