Today’s the fourth episode of my "Back to Basics" series about being brilliant at the basics or core principles of finance. So far, I’ve covered the Thrift Savings Plan, cash flow, and saving smarter, and today, I’m going over another important topic that is often misunderstood: insurance. Understanding insurance is essential for managing risk and …

Today’s the third episode of my "Back to Basics" series that is about being brilliant at the basics or core principles of finance. Last time, I covered cash flow management. Before that the Thrift Savings Plan and today, I’m going over a critical topic: saving your money. People say, “Money can’t buy you happiness.” That one is crazy because rentin…

A firm grasp of your current money situation is foundational to your peace of mind and financial success. One of the best ways to take control of your finances is with a cash flow statement. Today is the second episode of my "Back to the Basics" series, which is all about being brilliant at the basics or core principles of finance. Last time, I cov…

There will always be a new trend everyone is talking about. Money included. Go anywhere on social media, Instagram, or TikTok, and there is a money trend. All that noise can make it easy to get caught up in trying to keep up instead of being focused on what is core to your financial success. Instead of jumping on a bandwagon that can crash and burn…

Many people dream of becoming writers one day. The possibility of making money selling books filled with their creative writing, stories, or solutions is exciting. However, many don’t know what it takes to get their books traditionally or self-published or how much money they can make as writers. In this episode, long-time MILMO Show listener Randy…

Build it and they will come is wishful thinking in business. Having a product or service that is needed or wanted by people is only half of the battle. How will they buy your service or product if they don’t even know you exist? That’s where marketing comes in. In this episode, Matt Halloran shares advice and tips for proudly spreading the word abo…

It’s Memorial Day, a solemn day to remember the men and women who made the ultimate sacrifice while serving. Our community knows well that this isn’t a day to celebrate those serving or who have served in the military. Unfortunately, many people mistake Memorial Day as another Veteran’s Day. No. Today is a sacred day to honor those who not only lai…

A lot of blood, sweat, and tears go into building a business. As a founder, you’ll wear many hats to get things done. It can be challenging to find time and energy to be strategic about growing or innovating in your business. In this episode, Gary Kusin shares his decades of wisdom on successfully scaling businesses, managing pivotal moments with t…

Life can be difficult sometimes. Challenges and traumas are not something the military community has a monopoly on, but still, many in our community face challenges and traumas that can leave a person feeling shattered and low on hope, which can start a cycle of poor decision-making, including financial mistakes. In this episode, Jeremy Stalnecker …

People talk about Backdoor IRAs and getting one done, but do you know what they are, who they’re best for, and how to get it done the right way? In this episode, Brian O’Neill shares the fundamentals of Backdoor Roth IRAs, including how they work, who is eligible, and the steps to set one up. Brian also covers the upsides and potential drawbacks of…

Financial education and knowledge are important parts of financial success and reaching goals. Often, though, people aren’t taught or raised in an environment to learn about money in a way that builds confidence and helps you avoid financial mistakes. In this episode, Andi Wrenn shares insights on the importance of financial literacy, how to assess…

It’s no secret that frequent moves impede the earning ability of many military spouses. This often leads spouses to the world of entrepreneurship, but often, people aren’t prepared for the challenges that come with being a business owner—yours truly included. In this episode, military spouse Laura Early shares her journey of starting a business, he…

Spending less than you make and saving money is part of building wealth. It’s wealth for your future self. Building wealth takes commitment and sacrifice to have a good quality of life in the future. But will you be around to see it or have the physical capability to enjoy it? In this episode, David Frost will discuss the importance of maintaining …

Being a small business often means you wear many different hats, including bookkeeper. Whether you're a numbers person or not, proper bookkeeping is crucial for making informed business decisions, filing taxes accurately, and, if you need it, securing financing down the road. In this episode, Alise Jackson breaks down the importance of good bookkee…

We've had a record-warm winter this year, and now that it's spring, things are really starting to bloom—including our beloved money trees. But while the lack of frigid temperatures has been nice, these dryer conditions may come at a price—an early harvest. In this episode, I’ll discuss how a warmer winter could impact money tree yields and the rami…

One of the major perks of serving in the military is the opportunity to travel and experience different parts of the world. However, deployments and assignments often determine the destinations rather than personal travel bucket lists. But that doesn't mean you can't explore the places you've always dreamed of visiting, and even better, you can do …

MilMoneyCon is my true passion project - a calling to bring financial professionals together to solve problems, support each other, and uplift our community. I feel that when we unite, we create a stronger financial force, leading to a more resilient military and veteran force. In this episode, I'm excited to give you a sneak peek into MilMoneyCon …

Networking can feel like finding a needle in a haystack. Whether it's finding a trusted babysitter or landing your dream job, connecting with the right people can be a game-changer. As I gear up for MilMoneyCon, I've been reflecting on the power of networking and what it means to different folks. At its core, networking is about making connections …

Let's talk about financial moods, figuring out where you’re at, what you’re looking for, and aligning your mood with what you’re seeking. The show notes can be found here: https://milmo.co/podcast/your-money-mood

In this episode, I’m going to go about how taking control of your situation is often the key to finding peace and can lead to success or at least feel like you’re in control and captaining the ship that is your life. I’m also going to go over how to focus on controlling what is controllable in your finances. The show notes can be found here: https:…

In this episode, I’m going to go over getting control of wastefulness in your household and simple steps you can take to reduce the amount of money you spend on groceries to keep your food spending from climbing more than it already has. We’re also going to have a heart-to-heart about leftovers. The show notes can be found here: https://milmo.co/po…

More than ever before, quality of life for service members, veterans, and their families is a priority for military leaders. One of the top factors that can make or break the quality of life for members of our community is their financial situation. In this episode, the former Sergeant Major of the Army, Tony Grinston, is here to talk about the lat…

Earning money as a writer is something many aspire to. When people think of becoming a writer, they often think about Steven King or J.K. Rowling, but there’s another type of writing that can be a business for you and make you money. It’s the business of ghostwriting. In this episode, Navy veteran and professional ghostwriter Steven Leapley shares …

In honor of Dan Miller, I’m bringing back an episode on a topic I think is even more powerful at this moment: creating work you love. Here is the encore airing of How to Create Work You Love with the amazing Dan Miller I hope it inspires you to get after creating a work and a life you love. Show notes can be found here: https://milmo.co/podcast/how…

Getting ready for a military retirement can feel like a part-time job. There’s a lot to learn and get done years in advance of your final out. Waiting until the last minute to prepare can lead to mistakes, stress, and potentially getting less money than you’re owed in disability. In this episode, Mark Overberg shares news on the new military medica…

Like it or not, money makes you feel a certain way. Do you know what your thoughts and feelings about money are and how they weave into the areas of your life, like relationships and work? In this episode, Dr. Meghaan Lurtz shares how we can bring awareness to our thoughts and feelings about money to reach our financial goals. Dr. Lurtz, is a write…

I’m breaking down what I envisioned for my new brand name and what’s coming. Plus, I’m sharing some of my insights and observations about entrepreneurship. The show notes can be found here: https://milmo.co/podcast/my-new-name-and-more/By Lacey Langford

What you do right now can have a positive impact for your future self. The planning and actions you take now can mean a better retirement for you and your family. But what should you be doing and when? In this episode, I talk with my friend and fellow podcaster, Wes Moss, about habits you can practice right now to become a happy retiree.…

In this episode, I'm going to talk about who creates a lasting impact on your kids and the future. Show notes can be found here: https://laceylangford.com/podcast/whats-to-come

In this episode, I’m going to tell you what happened to me, the lessons I learned from my experience, and how it’s changing my business. The show notes can be found here: https://laceylangford.com/podcast/changing-my-business

Getting a will is something talked about quite frequently in the military. They won’t let you deploy without one. But have you given thought and consideration to who you select as your executor and the dynamics of your family members after your death? In this episode, Certified Executor Advisor (CEA) David E. Edey makes the case for why everyone ne…

Free financial counseling is offered to the military community but no-cost financial planning is new, thanks to a program called Advisors Give Back. In this episode, financial adviser and veteran, Garrett Dearden shares a free new resource that can help you with your finances. We talk about: What Advisors Give Back is and how it works How it’s diff…

Enrollment for the new Dependent Care Flex Spending Account is now open until December 11th, 2023. According to the Office of Financial Readiness, the DCFSA is a pre-tax account used to pay for eligible dependent care services such as child or adult day care. If you have kids, you know childcare costs can break a family’s budget and determine a mil…

What are you planning on passing down to the next generation? People often focus on things like money, furniture, or jewelry, but what about financial knowledge? Teaching your kids financial literacy now can help them have financial success long after you’re gone. In this episode, Jasmine Paul shares why it’s important to teach your children financ…

There are many resources to help active-duty service members and their families with money, but in the past, veterans haven’t had the same resources to help them with personal finance. But great news, that is changing. In this episode, Accredited Financial Counselor Heath Carelock shares the financial resources available to veterans through a newly…

Happy Veteran’s Appreciation Month! It’s that time of year to celebrate our veteran community. It’s also the tail end of Veteran Small Business Week, which, as a veteran small business owner, I’m a fan of. In honor of both, today’s guest is a fellow Air Force veteran and small business owner, as she’s here to help all of us break into the world of …

It's the season of tax talk. You’re starting to see more and more news and social media posts to begin preparing for tax season. Me included. I recently saw a post on tax gain harvesting and wanted to learn more about what that is and who should be harvesting. In this episode, Sean Mullaney breaks down tax gain harvesting and how people can use it …

Many of us want to make the holidays special but worry about the financial strain that often comes with it. That’s because the holiday season sees a big increase in spending on gifts, travel, decorations, and entertainment. There’s pressure to buy gifts and make memories for family and friends, which leads to overspending. To make all that happen, …

If you’re thinking about buying a home in 2024, there might be rough water. Whether you're a first-time homebuyer or an experienced homeowner, there are a lot of things to consider before making this important decision and the conditions you make them in. In this episode, David Ball discusses what you need to know to get ready for home buying in 20…

Finding financial success on active duty can be difficult. There are a lot of challenges like high cost of living, spouse un and underemployment, and deployments and mobilizations. The good news is there are people and organizations helping, like the Air Force Aid Society. In this episode, I talk to the former CEO of the Air Force Aid Society, Kale…

We see money messages everywhere we go. There are advertisements on streaming services, billboards, in social media, and even podcasts that encourage us to consume and buy more. Buying more increases our lifestyle, not our wealth. How can we see past all of that each day to find our own financial clarity? Army Veteran and Certified Financial Planne…

Trusts can play a crucial role in helping plan your financial future by providing benefits like avoiding probate or tax efficiency and financial planning strategies like providing for special needs children. But they cost money and can be complicated. In this episode, Certified Financial Planner Isidore Ogoussan shares what trusts are, how they wor…

Saving money on your childcare expenses is getting ready to get easier for service members and their spouses. The new Dependent Care Flex Spending Account is starting soon and can help you save pre-tax dollars to pay for your childcare expenses each year, but how does it all work, and when does it start? In this episode, Jennifer Walker, a Navy vet…

Army veteran and serial entrepreneur Adam Bird shares strategies for effectively managing and growing multiple businesses. Adam discusses his journey from the military to becoming the founder of three successful companies in three different industries. Adam's memory of where he was on 9/11 and the immediate effects His motivation for becoming an en…

The state of the economy has everyone feeling the squeeze. It’s not a great feeling and may have you thinking of ways to work your finances. One of those ways could be becoming part of the FIRE movement or Financial Independence Retire Early. Or just part of the Financial Independence movement. I thought now might be a good time to bring back a spe…

The sun is setting on the student loan payment pause. On September 1, 2023, interest will once again start accruing on your student loans. Payments will restart sometime in October. It’s been a hot minute since many people’s budgets have included student loan payments. For many, preparations need to be made to make sure you can make payments withou…

Financial readiness is a critical part of force readiness but also to the quality of life of service members and their families. When it comes to taking advantage of the resources provided by the Office of Financial Readiness, there are often some misconceptions. In this episode, Andrew Cohen gives us an inside look at what FINRED is, how it helps,…

Are you a money cheater? Or has someone you know and love ever cheated on your financially? Financial infidelity can absolutely ruin a marriage or relationship and your finances, but what do you do if you suspect it’s happening to you? In this episode, I talk with forensic accountant Tracy Coenan on the red flags of financial infidelity you should …

You’ve probably heard of the power of compounding before, but do you know its true power and use that power to amplify your wealth? In this episode, financial advisors Scott Kyle and Patrick Fischer break down compound interest and how to use it to grow your wealth with stocks, dividends, and options. Scott is the CEO and Chief Investment Officer o…

Consistency in managing personal finances is challenging because it requires discipline, self-control, and long-term planning, which often clashes with impulsive spending habits, but without consistency, avoiding debt and building wealth is a struggle. Consistency in managing personal finance empowers you to take control of your financial future. I…