Military Money Show
Lacey Langford
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The Military Money Show is the podcast that helps U.S. Servicemembers, Veterans, and their spouses make, save, invest and spend money wisely. Host, Lacey Langford interviews inspiring guests on personal finance, investing, entrepreneurship, debt, insurance, military life plus and a whole lot more.
Available episodes
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6 days ago
Trusts and Your Financial Planning
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 work, the expense, and who they are for.
The show notes can be found here: https://laceylangford.com/podcast/Trusts-and-Your-Financial-Planning
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Sep 18, 2023
Everything You Should Know About the Dependent Care Flex Spending Account
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 veteran and the Executive Director for Dependent Care Flexible Spending Accounts for the Office of the Under Secretary of Defense (Personal & Readiness), gives us a rundown on everything we need to know about how the program works, who it’s for, how much you can save, and a whole lot more.
The show notes can be found here: https://laceylangford.com/podcast/Should-Know-About-the-Dependent-Care-Flex-Spending-Account
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Sep 11, 2023
How to Manage Multiple Businesses Effectively
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 entrepreneur after leaving the military
* Tips for having effective business partnerships and dealing with conflict
* The importance of having a written agreement with business partners
* Hiring team members and interns to delegate tasks and grow your business
* Staying mentally balanced with self-care like exercise, being outdoors, and hypnotherapy
* Common mistakes entrepreneurs make like not having a business plan and trying to do everything solo
* Adam's advice for starting a second business while running your first one
* Pivoting between businesses to avoid burnout but still be productive
* Focusing on your purpose and helping others versus just making money
The show notes can be found here: https://laceylangford.com/podcast/manage-multiple-business-effectively
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Sep 4, 2023
{Encore} The Steps to Financial Independence Retire Early (FIRE)
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 special episode I did with Doug “Nords” Nordman on F.I.R.E to get you inspired.
In this episode, we cover:
* History and evolution of the F.I.R.E. movement
* Fat FIRE
* How FIRE works
* The addition of a military retirement
* Three Steps to achieve FIRE
* FIRE without deprivation
* Options for managing student loan debt
* Advice for military spouses with employment and education
* Advice for couples working towards financial independence
The show notes can be found here: https://laceylangford.com/podcast/steps-to-financial-independence-retire-early
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Aug 28, 2023
Preparing Your Finances for the Student Loan Repayment Restart
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 without a negative impact on your finances and quality of life. In this episode, I’m going to go over the steps you should take to prepare.
You can find the show notes and resources here: https://laceylangford.com/podcast/prepare-for-the-student-loan-repayment-restart
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Aug 21, 2023
Financial Readiness for Service Members and Families
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, and how you can use it to set your finances on the right track. We cover the Blended Retirement System, the new Dependent Care FSA, and more.
Andy is the Director of Financial Readiness in the Office of the Deputy Assistant Secretary of Defense for Force Education and Training. As Director, he leads the Financial Readiness team in the planning, direction, control and coordination of Department of Defense-wide policies and programs to meet the financial literacy and preparedness needs of service members and their families.
The show notes can be found here: https://laceylangford.com/podcast/Financial-Readiness-for-Service-Members
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Aug 14, 2023
Super Sleuth Tips for Catching and Dealing with Financial Infidelity
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 watch for and how to handle them if you find them in a way that protects yourself and your finances.
Key topics in the interview:
* What financial infidelity is and examples of it in relationships
* Red flags to watch out for that may indicate financial cheating
* Tips for being proactive to prevent financial infidelity
* Importance of trusting your gut instinct if you notice any behavior changes
* Steps to take if you suspect financial cheating
* Types of documents to keep an eye on
* Common mistakes people make when discovering financial infidelity
* Role of a forensic accountant in uncovering financial cheating in divorce cases
* Advice for overcoming fear of looking at personal finances
The show notes can be found here: https://laceylangford.com/podcast/financial-infidelity
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Aug 7, 2023
Leveraging Compounding to Profit from Stocks, Dividends, and Options
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 of Coastwise Capital Group, LLC, a boutique money management firm headquartered in La Jolla, CA. He is a co-founder of The Active Network, Inc. where he served as CFO and on the Board of Directors.
Patrick is a Financial Advisor at Coastwise Capital Group, LLC. He began his career with Scott at G2 Capital Management in La Jolla in 2002 as an equity research associate. From 2004 to 2008, Patrick co-managed a systematic global macro hedge fund at Mellon Capital Management in San Francisco.
The show notes can be found here: https://laceylangford.com/podcast/leveraging-compounding-to-profit
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Jul 31, 2023
How to Use Consistency to Achieve Your Financial Goals
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.
In this episode, Emily Guy Birken breaks down the common obstacles that hinder people from maintaining consistency and shares practical strategies and actionable tips to overcome them.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood.
The show notes can be found here: https://laceylangford.com/podcast/Consistency-to-Achieve
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Jul 24, 2023
The Crucial Role Self-Awareness Plays in Your Financial Success
Do you know what is driving or holding your finances back? Lack of self can have a negative impact on your money if you let it. But most of us don’t realize the crucial role self-awareness plays in financial success.
In this episode, I talk with Mick Heyman, a Chartered Financial Analyst, about how self-awareness can improve your finances, the impacts of human nature on finances, and how to build your self-awareness.
Mick is the author of Mellow Your Money and the founder of Heyman Investment Counseling. He has a 40-year career in wealth management, helping individuals and institutions of all sizes to build and preserve wealth with his stress-free method for mellowing your money.
The show notes can be found here: https://laceylangford.com/podcast/Self-Awareness-Plays-in-Your-Financial-Success
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Jul 17, 2023
{Encore} The Ins and Outs of Your Post 9/11 GI Bill Benefits
The benefits you receive from your military service can have an impact on your finances. Last week, I had Dr. Paul Lawrence back on the show to talk about VA disability and all of the other benefits you receive as a perk for serving.
One of those benefits is the Post 9/11 GI Bill which can be instrumental in enhancing your financial stability and earning potential after service. I thought this would be a great time to bring back an episode on the subject.
Here is the encore airing of "The Ins and Outs of Your Post 9/11 GI Bill Benefits" with Dr. Paul Lawrence.
The show notes can be found here: https://laceylangford.com/podcast/your-post-9-11-gi-bill-benefits
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Jul 10, 2023
Gaining Actionable Intelligence on Veteran Disability and Other Benefits
For most veterans, starting a VA Disability claim or finding out the benefits you’re eligible for is daunting. There are a lot of moving parts, information, and nuances in almost every aspect of the process. It’s hard to know where to put your first step.
In this episode, Dr. Paul Lawrence is back to break down what you need to know about filing or refiling for disability benefits, how the VA and VSOs help in the process and the other benefits you should take advantage of.
Paul is a businessman, author, and passionate Veteran advocate. He has 35 years of experience solving management problems in large, complex organizations. As a private sector executive, he was a consulting Partner at two Big-Four accounting firms and a Vice President in two Fortune 500 companies.
For almost three years, Lawrence served as Under Secretary of Benefits at the U.S. Department of Veterans Affairs, unanimously confirmed by the Senate on April 26, 2018. As Under Secretary, he was in charge of the Vet…
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Jul 3, 2023
How to Keep a Military Marriage Strong and Vibrant
Military marriages face many challenges that can negatively impact your relationship. Unfortunately, the divorce rate among military couples is higher than in the civilian population. The good news is, a study published in 2017 in the Journal of Family Issues found that the divorce rate among military couples declined between 2005 and 2011. So how can we keep up with that popular trend?
In this episode, Vicki Cody, an expert military spouse and author, breaks down how to keep your marriage vibrant during and after military service, mistakes to avoid, and the resources available to military couples.
Vicki knows a thing or two about military marriage, she has been an Army wife for 33 years. Her husband is Richard Arthur “Dick” Cody, a retired decorated four-star general who served as the 31st Vice Chief of Staff of the United States Army. In 1991, then Col. Cody’s Apache battalion fired the first shots of Operation Desert Storm.
Vicki is the author of Army Wife: A Story of Love…
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Jun 26, 2023
Investing in Land vs. Real Estate
Real estate investing is all the rage, but is it for you? There are risks and expenses when it comes to making improvements, repairs, and maintaining renters. Investing in land is another option instead of real estate.
In this episode, I talk to Brent Bowers, a vacant land investor, about what investing in land looks like, where to start, costs, and mistakes to avoid.
Brent is an Army veteran and founder of The Land Sharks and focuses on buying and selling vacant land. His time in the Army and the time he was spending away from his family led him to make some changes in order to be more present with his wife and children. His interest in real estate began in 2007 when he purchased his first home. While Brent invests in many different types of real estate, his favorite investment strategy deals with buying and selling vacant land.
The show notes can be found here: https://laceylangford.com/podcast/Land-vs-Real-Estate
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Jun 19, 2023
How to Compare Mortgage Costs and Make a Decision [Encore]
Mortgage rates continue to be a hot topic that impacts our ability to purchase or sell a home. A while back, I had Kevin Parker on the show to talk about what we should know about the true cost of a mortgage and how to take that information and make a decision that’s best for you.
As we're moving into homebuying season for the military, I thought it would be great to bring this episode back.
Here is the encore airing of How to Compare Mortgage Costs and Make a Decision with Kevin Parker from Navy Federal Credit Union.
The show notes can be found here:
https://laceylangford.com/podcast/compare-mortgage-costs/
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Jun 12, 2023
Employment vs. Entrepreneurship: Going From Employee to Owner
Earning income is a critical part of building your wealth. For most of us, that is either having a job or starting a business, but what if there is a hybrid way?
In this episode, I talk to Kirby Williams about her journey of going from an employee to buying and running the business she worked at.
Kirby is the owner of Advantage Publications, an educational publishing company where she was formerly a marketing associate. She has designed and developed custom financial education slide calculators for the Social Security Administration, the FDIC, VOYA, CalPERS, the CFPB, and others. In 2018 she created The Match Booster, based on the Blended Retirement System that is used in financial readiness education by Fleet and Family Support Centers, Army Community Service, and the US Coast Guard PFMP.
The show notes can be found here: https://laceylangford.com/podcast/Employee-to-Owner
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Jun 5, 2023
Life Insurance for Infants: Do You Need it?
I was recently asked the question of what are the life insurance options for infants. I think my answer was not what was expected, which made me think, this might be something that should be discussed more.
In this episode, I’m going to go over life insurance for infants, the life insurance coverage available on active duty, and what and who it can cover.
The show notes can be found here: https://laceylangford.com/podcast/Life-Insurance-for-Infants/
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May 29, 2023
How Military Families Can Prepare for Elder Care Costs
Caring for elderly parents is an often overlooked budget item but one that can come with high expenses in the future. If caring for your older parents, grandparents, or loved one is important to you, make it a priority in your finances now.
In this episode, John Osarczuk shares tips for financially preparing to pay for elder care costs, what that looks like each month, and mistakes to avoid that can cost your money and quality of life for your loved ones.
The show notes can be found here: https://laceylangford.com/podcast/prepare-for-elder-care-costs/
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May 22, 2023
Using Short-Term Rentals to Make Money
Home buying and renting homes come with the territory in the military. Frequent moves lead many of us to buy or rent out of necessity, not because it’s our first choice. But how can you turn that lack of control into a way to make money?
In this episode, Army veteran Joe Riley shares how you can use short-term house rentals to make money during and after your military career.
Joe and his wife are the founders of Patriot Family Homes. They started short-term rentals in 2017 when they listed their home near Fort Benning on Airbnb while Joe deployed to Afghanistan. They quickly realized the need for furnished temporary housing near military bases. So they started saving-up, and by the end of 2018, Rachel and Joe had bought 4 Airbnbs and it's grown since then.
The show notes can be found here: https://laceylangford.com/podcast/short-term-rentals-to-make-money/
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May 15, 2023
Making Informed Car Buying Decisions
Buying a car can be a big undertaking and feel overwhelming because it greatly impacts your finances. If you’re not careful, you can make mistakes or miss opportunities that can cost you.
In this episode, Brendan Duebner shares tips and advice to avoid costly car-buying mistakes, the resources you can use, and the best time to buy.
Brendan is a graduate of the Wharton School of Business, a Captain in the Army's 75th Innovation Command, and a serial founder. He founded Life Skills for Soldiers in 2019 while on Active Duty as a Field Artillery Officer.
The show notes can be found here: https://laceylangford.com/podcast/car-buying-decisions/
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May 8, 2023
Military Spouse Skills You Can Use to Get Paid
Military spouses face career challenges at every turn impacting their ability to make money and build their earning power. There’s a lot of career pivoting involved for milspouses but what if you already have a skillset that can help you make money no matter where the military sends you.
In this episode, military spouse Molly Rose Speed shares skills military spouses can leverage to make money, how to translate them into getting paid, and how to know your worth and set prices.
Molly Rose is an expert in creating what everyone wants more of -- time freedom. She is the creator of Virtual Assistant Academy and the Founder of Virtual Assistant Management, which provides trusted VA certification and placement in the online market.
Molly Rose is an awarded military spouse and solo world traveler who believes in creating a business and a life that allows you to do more of what you love.
The show notes can be found here: https://laceylangford.com/podcast/Military-Spouse-Skills/
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May 1, 2023
Financial Planning Considerations for Guard and Reserve Families
Guard and reserve members face some unique financial and career challenges compared to active duty. And there are many things to consider when deciding to go from active duty to guard or reserve.
In this episode, Certified Financial Planner, Sam Lewis discusses the financial hurdles guard and reserve members and their families face and provides advice on navigating them. He also discusses things to consider when leaving active duty that can impact your finances and career.
Sam is an Air Force veteran who serves as a Senior NCO in the Air National Guard while running his own Fee-Only, Advice-Only RIA. He’s also a husband and a father, which is what ignited his passion for planning smart financial goals. Now he is driven to help others envision their ideal future and then develop a long-term plan to help them get there.
The show notes can be found here: https://laceylangford.com/podcast/Guard-and-Reserve-Families/
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Apr 24, 2023
Inflation, Economic Literacy and What to Know
Understanding the economy or not understanding can help or hurt you financially. Inflation is impacting your quality of life, but do you know how it’s going to impact your retirement savings and ability to build wealth?
In this episode, Certified Financial Planner™, Bryan M. Kuderna shares tips on how to handle inflation, why it’s important to increase your economic literacy, and how to maximize your retirement savings during these times.
Bryan is the founder of Kuderna Financial Team. Named one of New Jersey's Leaders in Finance in 2021 by NJBiz, he also hosts The Kuderna Podcast, a show about wealth in its original meaning. Bryan is an author of fiction and nonfiction, including: WHAT SHOULD I DO WITH MY MONEY?: Economic Insights to Build Wealth Amid Chaos, Millennial Millionaire- A Guide to Become a Millionaire by 30, and his young adult fantasy novel, Anoroc. Bryan stays active by practicing Brazilian Jiu-Jitsu and completed the International Ironman in Quebec, Canada.
The…
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Apr 17, 2023
From Idea to Success: Strategies for Building a Business
According to the U.S. Bureau of Labor Statistics, about 20% of small businesses fail in their first year, and about 50% of small businesses fail in their fifth year. With stats like that, I can understand why some might be scared of taking the leap into business, but that fear could be holding you back from the potential to do something you love and earn more. Entrepreneurship is filled with twists and turns, so getting mentorship or help from someone who has taken that road before can make the journey smoother for you.
In this episode, Philip Taylor shares his story of building FinCon, taking business risks, hiring your team, managing costs, and strategies to build and grow your business.
Philip Taylor aka PT lives in Frisco, TX with his wife and their three young children. Philip is a CPA, blogger, podcaster, and the entrepreneur behind FinCon, the industry-leading event and community hub for personal finance media/influencers.
The show notes for this episode can be found here: ht…
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Apr 10, 2023
Starting and Getting Confident in Stock Trading
Stock trading can help you build wealth, but for many, it’s can be intimidating. If you haven’t been taught a trader skillset, where do you start, and what are the mistakes to avoid?
In this episode, I talk to Jason Brown, about how you can learn and grow your stock knowledge to become a confident stock trader.
Jason has over a decade of stocks and options trading experience and is a graduate of Wayne State University with a Bachelor’s degree in Finance.
At the age of 23, Jason took a $10,000 student loan and turned it into a six-figure trading account as a result, his passion for teaching others how to unlock the financial power of the stock market began.
The show notes can be found here: https://laceylangford.com/podcast/getting-confident-in-stock-trading/
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Apr 3, 2023
Baby Stepping Out of Debt
Debt is a drag on your finances now and in the future. For many military families, debt is one of the top stressors. When your credit is maxed out, it can make extra expenses that are molehills seem like mountains you have to climb. When you’re in the thick of debt, it can seem impossible to overcome, but great news, there are steps you can take to get out of debt.
In this episode, I talk to George Kamel about the steps you can take to get out of debt, the difference between the debt snowball and avalanche, and balancing your quality of life through the process.
George is a personal finance expert with a countercultural approach to money. He’s a cohost of The Ramsey Show and host of The Fine Print and The EntreLeadership Podcast—all available on the Ramsey Network. Since 2013, George has served at Ramsey Solutions, where his goal is to help people spend less, save more, and avoid consumer traps so they can make the most of their money.
You can find the show notes here: https:/…
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Mar 27, 2023
Everything to Know About MilMoneyCon23
I can’t believe it’s almost here. MilMoneyCon23 is about a month away. I’m excited! I’ve been working on the conference all year, so I’m ready to get to see everyone, attend the events, and the sessions and just see it all come to life.
In this episode, I’m going to do a deep dive on MilMoneyCon23 and what attendees and sponsors can expect from the conference.
The show notes with episode links can be found here:
https://laceylangford.com/podcast/MilMoneyCon23/
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Mar 20, 2023
How to Create a System To Make Change
Making change can be difficult. It’s usually something new that takes time and motivation to stick with. But what if you created a system to help you make the changes you want in life and keep them for the long haul?
In this episode, Dr. Ryan Law breaks down why change is difficult, the human behaviors behind it, and the systems you can create to improve your finances.
Ryan Law is award-winning educator who teaches in the Personal Financial Planning program at Utah Valley University. He is a Certified Financial Planner™ professional (CFP®) and an Accredited Financial Counselor (AFC®).
Show notes can be found here: https://laceylangford.com/podcast/system-to-make-change/
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Mar 13, 2023
2023 FINRA Foundation Military Spouse Fellowship
Helping others improve their financial lives can be rewarding. Do you have a passion for personal finance and want to make it a career? If you’re a military spouse, now is a good opportunity to get started.
In this episode, Accredited Financial Counselor (AFC) candidate Dr. Brandon Shurn discusses the 2023 FINRA Foundation Military Spouse Fellowship. We discuss what it is, employment opportunities, and how you can apply.
Brandon is a military spouse, mental health professional, and counselor educator, holding a Doctor of Philosophy in Counselor Education and Supervision and a Master of Science in Clinical Mental Health Counseling. He is also a 2022 FINRA fellow, currently working on completing his experience hours to qualify for his AFC designation.
The show notes can be found here: https://laceylangford.com/podcast/2023-military-spouse-finra-fellowship
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Mar 6, 2023
What Getting a Tax Refund Really Means
If it comes down to paying taxes or getting a return, we can all say, get a tax return, hands down. But if you’re getting a big fat return every year, is that the best use of your money?
In this episode, I talk with tax expert, Dr. Simon Karmarkar about what getting a tax return really means for your finances, how you can better plan your finances, and taxes and resources to use.
Dr. Karmarker is an Army veteran who holds a Doctorate in Management with an emphasis on Organizational Leadership. He’s an author, public speaker, Gestalt therapist, and CEO of Refund Wiz, the first AI/ML smartphone e-filing tax return app. Dr. Karmarkar is a contributing author for “Diversity and Inclusion in the Global Workplace” through the Center for Workplace Diversity and has been an adjunct professor at Loyola Marymount University. He is the former Founder/CEO of HelpMeNow, a pioneer in tele-clinical healthcare. As Founder/CEO of Anamika Recovery Center, Dr. Karmarkar brought awareness about…
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Feb 27, 2023
Survivor Benefit Plan Open Season
Something rare is going on in the military community. Right now, until the end of 2023, there is an Open Season for the Survivor Benefit Plan. It’s part of the 2023 National Defense Authorization Act (NDAA) enacted by Congress. The SBP is one of the biggest decisions you make retiring from the military, one that can have a lasting impact on your retirement money. If you weren’t happy with the decision you made at retirement, now’s your chance for a redo.
In this episode, Heath Walrath breaks down what the Survivor Benefit Plan is, what the open season is, what factors you should consider, and how to make a decision that works for you and your family.
Heather is an Accredited Financial Educator who has enjoyed working with military members and families for the last 14 years while empowering them with financial education. She’s a 2009 FINRA Military Spouse Fellow and holds a BA in economics from the University of Georgia and a paralegal certificate from the Denver Paralegal Ins…
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Feb 20, 2023
Setting Next-Level Financial Goals
Setting and creating a plan to accomplish your goals can greatly increase your chances of being successful with your desired outcome but too often, people feel like goal setting is pointless or don’t end up not sticking with it.
In this episode, I talk to Certified Financial Planner Matt Miner about how you can take your goals to the next level, how to stay with them, and the resources and techniques to use.
Matt is the founder & CEO of Miner Wealth Management, an independent, fee-only, fiduciary advisor headquartered in Raleigh, NC.
The show notes can be found here: https://laceylangford.com/podcast/setting-next-level-financial-goals/
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Feb 13, 2023
Military Spouse Entrepreneurs and Taxes
Building a career around military life is challenging for military spouses. Out of frustration, many spouses choose an entrepreneurial path to take control of their career path and earning power. But being a military spouse entrepreneur comes with its own unique set of challenges.
In this episode, I talk with Attiyya Ingram about the things military spouses should know about being an entrepreneur, taxes, some of the challenges military life on entrepreneurship, and how to handle them.
Attiyya is a military spouse, entrepreneur, and Accreditated Financial Counselor. She is a native of Philadelphia, Pennsylvania, where she graduated with honors from Hampton University with a B.S. degree in Accounting.
The show notes can be found here: https://laceylangford.com/podcast/military-spouse-entrepreneurs-and-taxes
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Feb 6, 2023
Financial Ramifications of Gambling Addiction
I think most of us have daydreamed about making or winning a bunch of money. I mean, who wouldn’t want to come into money? It’s a thrilling thought. The lottery or gambling is built on the dream of hitting it big. But what happens when it goes too far and impacts your finances and life?
In this episode, I talk to Dave Yeager, a recovering gambling addict, about how gambling addiction took hold of his life on active duty, its negative impacts on his life and money, and how he got help through the VA.
Dave is an 11-year veteran of the US Army and is in recovery from gambling addiction. Dave hosts the Problem Gambling Podcast for military service members. He also serves on the military committee for the National Council on Problem Gambling.
The show notes can be found here: https://laceylangford.com/podcast/gambling-addiction/
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Jan 30, 2023
Tips for Developing Financial Wellness
January is financial wellness month and a time to remember the importance of your financial well-being. You’ll always work on financial well-being, like your physical health, but what are some best practices to stay in top financial shape?
In this episode, Dr. Megan Ford shares tips on how to develop and maintain financial wellness for the long haul.
Dr. Ford is a financial therapist and consultant passionate about helping individuals and couples find more balance and understanding in their relationship with money.
Megan has a Ph.D. in financial planning and a Master’s degree in marriage and family therapy. She served as the Financial Therapy Association's President and has co-authored a textbook, The Fundamentals of Writing a Financial Plan.
The show notes can be found here: https://laceylangford.com/podcast/developing-financial-wellness/
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Jan 23, 2023
The Tuition Dilemma: Paying for College and Retirement
Many parents struggle with saving for their own future while paying for their children’s education. It’s a tough call, your future or theirs. The decision doesn’t have to be all or nothing.
In this episode, I talk to Matt Meline about how you can balance saving for retirement while paying college expenses for your kids and how to prepare for life after your kids leave the nest.
Matt is the Founder and CEO of PrairieFire Wealth Planning in Des Moines, Iowa. After an eventful journey of sending his four children to college and becoming an Empty Nester, he authored the book Empty Nest Full Pockets. He hopes to help other parents navigate the challenging transition of getting one's kids ready to launch while also preparing to become an awesome empty nester! He believes in life-centered financial planning, which focuses on his client's return on life, not just their return on investment.
The show notes can be found here: https://laceylangford.com/podcast/tuition-dilemma/
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Jan 16, 2023
The Everything You Need Binder
If life throws curve balls, military life throws wrenches. No joke, It seems like the unexpected happens at a higher frequency in the military. And it’s often things we don’t have experience with. Because of that, it can be hard to figure out how to handle the challenge or situation put in front of you.
In this episode, I talk with fellow milspouse and Accredited Financial Counselor Kate Horrell about her new Everything You Need Binder and how it can help you and your family be prepared for the wrenches military life can throw your way.
Kate Horrell is a personal financial educator who helps the military community make the most of their pay and benefits. She shares the most up-to-date information in understandable terms and highlights how rules, programs, and laws will directly impact your personal finances. With over ten years working with thousands of military families, she understands the concerns of currently serving, retired, and veteran families.
The show notes can be foun…
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Jan 9, 2023
The New Veterans Benefit Card
Veterans are no different from service members regarding being targets of predatory financial practices and fraud. According to a 2019 report put together by the BBB Institute for Marketplace Trust and the Association of Military Banks of America, called the Military Consumers & Marketplace Trust: An Analysis of Marketplace Challenges Facing the Military Community, of the scams reported, the military community suffered financial losses 32% higher than the population as a whole.
Now there is a new benefits card to help veterans and military communities protect their benefits and finances.
In this episode, I talk to Andia Dinesen, Executive Vice President for Communications & Operations for the Association of Military Banks of America (AMBA), about what the card is, how it can help, how it’s different from normal debit cards, and how to get one.
The show notes can be found here: https://laceylangford.com/podcast/new-veterans-benefit-card/
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Jan 2, 2023
Being Smart About Charitable Contributions
Being in the position to give money to help others is amazing. To be able to give to those in need can have a lasting impact on a person, family, or organization. But how do you give in a way that aligns with your values and where it will have the greatest impact?
In this episode, I talk with Michael Thatcher about how to make smart, informed financial decisions regarding charitable giving.
Michael leads Charity Navigator in its efforts to make impactful philanthropy easier for all by increasing the breadth and depth of evaluation methodologies to facilitate ratings coverage of substantially larger numbers of charities and expand how the information engages new and existing audiences.
Michael shares tips on how to find a person, place, or organization to give value or money to, things to look for, and how to evaluate your giving impact over time.
The show notes can be found here: https://laceylangford.com/podcast/smart-about-charitable-contributions/
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Dec 26, 2022
Tips for Navigating the FAFSA Form
If you are even thinking about your kid going to college, you’ll want to learn more about the Free Application for Federal Student Aid, better known as the FAFSA® form. You may or may not have heard of it, and be aware of all of the benefits your child can receive by filling it out.
In this episode, I talk to FAFSA expert, John Tamrat about the form, when, and how to fill it out, and the benefits you can receive. I won’t spoil it for you, but it’s more than tuition aid.
John is partner success manager at Moneythink, the student-first nonprofit that demystifies college costs to empower more students to graduate with minimal financial burden. Prior to joining Moneythink, John supported students and families in education and workforce development as a Case Manager for Fresh Lifelines and as a Youth and Program Coordinator for Genesys Works. As a first-generation immigrant to the United States, he understands how difficult it can be to navigate the US education system with limited…
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Dec 19, 2022
Preparing Your Finances for Leaving the Military
One way or another, you will leave military service, and your finances will change when you do.
In this episode, I talk to Clay Stackhouse, about how you can prepare your finances long before you leave the military.
Clay Stackhouse is a Regional Outreach Manager at Navy Federal. Clay previously served in the Marines for 25 years, having been a Navy Federal member for 34 years. He is passionate about interacting with military families on all things personal finance.
Clay shares tips on when to start preparing your finances to leave the military, the things you should not do, and how to keep your finances strong long after you leave the military.
The show notes can be found here: https://laceylangford.com/podcast/finances-for-leaving-the-military/
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Dec 12, 2022
Geoarbitrage: Is it Right for You?
There are two ways you can increase your financial situation. Make more or spend less. Geoartbigae is a way to reduce your living costs and make your income go further. Have you heard of it?
If not, in this episode, Stephanie Montague shares her knowledge and tips geoarbitrage. She explains what it is, who it’s for, and how it works best.
Stephanie is the founder and President of Poppin' Smoke, a website dedicated to helping members of the military community take advantage of their travel-related benefits. She has been traveling and living abroad with her husband since his Army retirement in 2015. They fly Space-A on military aircraft and use military facilities worldwide. Before her life of travel, Stephanie was a management consultant and marketing professional.
The show notes can be found here: https://laceylangford.com/podcast/geoarbitrage/
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Dec 5, 2022
Picking the Best Tax Basket for Your Asset
Managing your money goes beyond spending less than you make and saving money. You also want to get the most out of every dollar you work your butt off for. Using tax advantage accounts is one way to squeeze the most out of your money. But how do you know where to put which dollar?
In this episode, I talk with Sean Mullaney about picking the best tax basket for your different types of assets.
Sean is a financial planner and CPA licensed in California and Virginia. He operates a solo financial planning firm in California. He blogs about the intersection of tax and financial independence at fitaxguy.
The show notes can be found here: https://laceylangford.com/podcast/best-tax-basket/
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Nov 28, 2022
The Habits to Practice to be a Happy Retiree
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.
Wes Moss is a CERTIFIED FINANCIAL PLANNER™, managing partner and chief investment strategist at Capital Investment Advisors, an Atlanta-based RIA with $4 billion in assets under management. He’s the host of Retire Sooner, a nationally recognized podcast dedicated to helping 1,000,000 people retire sooner. Moss hosts Money Matters, the country’s longest-running weekly call-in financial show on 95.5 WSB Atlanta’s News and Talk. In addition to What the Happiest Retirees Know, Moss is the author of three other books, including 2014’s bestselling You Can Retire Sooner Than You Think. Moss served as the financial columnist for the Atlanta Journal…
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Nov 21, 2022
Knowing What You're Investing In
Investing is for the future, but you’re still spending your money. We invest in funds but do you really know what you’re investing in or how it works? When you’re putting money on it, it’s good to know how your dollars are being invested.
In this episode, I talk with Julie Cane about how we can better be aware of how we are investing our dollars.
The show notes can be found here: https://laceylangford.com/podcast/knowing-what-youre-investing-in/
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Nov 14, 2022
Misconceptions of Military Emergency Relief
You all know, I’m a big fan of free financial help. It’s a major benefit service members receive while on active duty and in retirement. It’s also a benefit available to their family members. Just like anything in life, sometimes the information isn’t relayed correctly.
In this episode, I talk with Lieutenant General (retired) Raymond V. Mason, the director of Army Emergency Relief, about some of the misconceptions about military aid societies and the resources AER provides.
General Mason became the ninth Director of Army Emergency Relief on 1 January 2017. General Mason retired from the United States Army in October 2014, after serving 35 years on active duty, the last 12 as a General Officer. Following retirement, General Mason joined VT Systems in Alexandria, VA, as the Chief Operating Officer. VTS is a US-based company with global commercial and government/military-focused capabilities in Aerospace, Shipbuilding, Ground Systems, and Electronics; including over 5,000 emplo…
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Nov 7, 2022
My Top 10 Business Lessons
November is Veteran’s Appreciate Month. It’s a whole month to support the veteran community. A special part of this month is veteran business week. In honor of the special week. I want to talk about some of the biggest lessons I’ve learned in business in hope it will help other veterans and military spouses in the entrepreneurship journey. I also reached out to some past Military Money Show guests and asked them all:
1. What is the biggest mistake you've made in business that you learned the most from?
2. What is the best decision you've ever made in business?
In this episode, I share their responses and my top 10 business lessons.
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Oct 31, 2022
Types of TSP Investment Strategies
So you have a TSP account that you’re putting money into each month. Now what? Deciding what to put your money into can feel like an overwhelming decision.
In this episode, I talk with Patrick Elliott about strategies you can use to invest in your Thrift Savings Plan.
The show notes can be found here: https://laceylangford.com/podcast/tsp-investment-strategies/
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Oct 24, 2022
Above and Beyond Transition Assistance
Separating or retiring from the military is a big undertaking that encompasses your world. It causes many shifts in your life, from finances to location to your identity. It’s a lot for one person or family to take on alone. Getting a helping hand can go a long way to ensuring a successful transition out of the military.
In this episode, Jodi Vickery breaks down the Partnership for Your Success program, how it can help with your transition out of the military, and how the Armed Forces Bank is assisting.
Jodi is the Executive Vice President and Director of Military Consumer Lending at the Armed Forces Bank. She is also a military spouse with over 23 years of experience serving the military community in the consumer finance industry. In addition to her professional career, Jodi has been recognized as the Volunteer of the Year for the U.S. Army’s Kansas City Recruiting Battalion and USAREC 5th Brigade.
Jodi shares more about their strategic partnership and how it allows serving Arm…
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Oct 17, 2022
Steps to Protect Your Money During High Inflation
It’s still happening. Inflation is high. In fact, it’s at a 40-year high and impacting service members and their families in a big way. With the increase in inflation comes an increase in interest rates, making people feel it from groceries to cars and homes they buy.
In this episode, corporate economist Robert Frick is back to give an update on the state of the economy and how you can take steps to protect yourself from high inflation.
Robert is Navy Federal’s corporate economist. In addition to economics, Bob is an expert in personal finance, having worked as an editor at Kiplinger’s Personal Finance magazine for 15 years, and also an expert in behavioral economics, or the study of people’s behaviors surrounding money. In addition to Kiplinger’s, Bob was a newspaper reporter and editor for 15 years.
The show notes can be found here: https://laceylangford.com/podcast/high-inflation/
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Oct 10, 2022
Simplifying Complex Financial Decisions
Decisions that have the potential for big financial impact can be difficult to make. Especially if the decisions don’t go according to plan and have negative financial consequences.
In this episode, I talk to Certified Financial Planner Adrienne Ross about how you can simplify complex money decisions in a way to help you make them quickly with the best possible results.
Adrienne is the founder of Clear Insight Financial Planning, LLC. Her approach to financial planning is deeply rooted in over a decade of experience as a Personal Financial Counselor serving military members and their families. Holding the Accredited Financial Counselor® designation, as well as, being a Certified Financial Planner® Professional and Chartered Financial Consultant® allows Adrienne to help her clients design financial plans that allow them to live great lives today, while building financial freedom.
The show notes can be found here: https://laceylangford.com/podcast/complex-financial-decisions/
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Oct 3, 2022
200th Episode-Ask Lacey Anything
To celebrate Episode 200 of the Military Money Show, I'm opening it up for listeners to Ask Me Anything. I'm answering questions listeners have sent in and want to know about me.
You can find the show notes here: https://laceylangford.com/podcast/200th-Episode/
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Sep 26, 2022
How to Financially Prepare for a Divorce
Many families in the military community are dealing with the BIG D, and I’m not talking about debt. I’m talking about divorce. It’s the reality many married couples face, whether your military or not. Unfortunately, the military ratchets the degrees of difficulty in relationships when you add in frequent moves, unemployment, deployments, PTSD, and high-risk jobs. It’s not a fun topic, but one many of you have asked me to cover because of a divorce's financial ramifications on couples.
In this episode, I talk with Daniel Yerger, a Certified Divorce Financial Analyst, about how you can prepare your finances for a divorce. Daniel is a Certified Financial Planner®, Army PSYOP veteran, and the owner of MY Wealth Planners®, a fee-only RIA in Longmont, CO. Daniel is both a financial planning practitioner and researcher, as a doctoral student in Kansas State University's Personal Financial Planning Ph.D. program, where he studies compensation and conflicts of interest.
Daniel share…
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Sep 19, 2022
Mapping Out a Plan for Your GI Bill
September is College Savings Month which is an important part of many people’s finances. For most military members, the GI Bill plays a part in the planning. We often talk about what the GI Bill is and the benefits you receive but what we don’t talk about enough is how to actually use it.
In this episode, I talk with Mike Hunsberger, a Chartered Financial Consultant, and Air Force veteran, about using your GI Bill benefits. Mike launched Next Mission Financial Planning to help military, retirees, and veterans gain control of their finances. Before launching Next Mission, Mike spent 25 years in the Air Force with various assignments in the communications and cyber fields and commanding at the detachment, squadron, and group levels.
Mike shares the planning you should put into using your GI Bill, how far out that should begin, what to do when you have more than one child using benefits, and mistakes to avoid along the way.
The show notes can be found here: https://laceylangford.co…
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Sep 12, 2022
Lacey's Bday Bash 2022
It’s that time of the year, folks. It’s my Birthday week, which means I get to do whatever I want. I love being able to celebrate my bday every year with you and the special people in my life. In years past, I’ve had my siblings, my Dad, and last year, my grandma on the show to help me celebrate. This year, I have another special guest to help me celebrate.
The show notes can be found here: https://laceylangford.com/podcast/bday-bash-2022/
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Sep 5, 2022
When and Why to Buy Life Insurance
Life insurance is an important part of protecting the financial future of those you love. Just like other financial decisions, there is a lot to know before deciding when, where, and what to buy.
In this episode, I talk with Melissa Schreur about the why behind getting life insurance and when to get it.
Melissa Schreur is a military spouse and seasoned insurance professional. Since insurance was her first love before marrying her service member, she naturally developed a passion for helping military families with their life insurance coverage. As the owner of Insure The Heroes, she is on a mission to create more awareness on the value of obtaining individual life insurance!
Show notes can be found here: https://laceylangford.com/podcast/buy-life-insurance/
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Aug 29, 2022
Public Student Loan Forgiveness Program
It’s time for part two of my student loan shows. The Public Student Loan Forgiveness Program has a big perk from serving in the military—student loan forgiveness. Sadly, not as many people use it as should.
In this second episode, Adam Hagerman explains what you need to know about the PSLF to take advantage of the program.
Adam is an AFC®, CFP®, with a mission to provide financial education that is easy to understand and free from outside influence.
In addition to his financial education site, Adam also works full-time as a civilian for the federal government. In his position, he's provided financial coaching and education to thousands of civilian and military employees over the past 10 years.
Adam shares what the program is, who it’s for, when you should start submitting your information, and mistakes to avoid.
The show notes can be found here: https://laceylangford.com/podcast/pslfp/
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Aug 22, 2022
Limited Public Service Loan Forgiveness Waiver
Student loans are a hot topic right with a lot of moving parts. It’s something that can change the amount of money you owe or the length of time you make payments. Because there is a lot to know, I’m doing a two-part series on student loans.
In this episode, I talk with Adam Hagerman about the Limited Public Service Loan Forgiveness Waiver. Adam is an AFC®, CFP®, with a mission to provide financial education that is easy to understand and free from outside influence.
In addition to his financial education site, Adam also works full-time as a civilian for the federal government. In his position, he's provided financial coaching and education to thousands of civilian and military employees over the past 10 years.
In this first episode, Adam breaks down what the Limited Public Service Loan Forgiveness Waiver or LPSLF is, who it’s for, the financial benefits, requirements and more.
Show notes can be found here: https://laceylangford.com/podcast/pslfw/
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Aug 15, 2022
Simple Steps to Start Saving
Saving money is something we all need, but how we go about it can look different. We’re all in different stages or places in our lives. Savings for a single-parent service member might look different than dual service members.
In this episode, Kia McCallister-Young shares simple steps to start saving money based on your situation. Kia is the Director of America Saves, a campaign managed by the nonprofit Consumer Federation of America that helps others save money, reduce debt, and build wealth.
Kia’s professional experience includes founding a successful marketing consulting agency focused on designing timeless communications strategies that clarify messaging and building an ideal community that converts.
As an Air Force veteran and former military spouse, Kia has great advice to save money where you’re at in life.
The show notes can be found here: https://laceylangford.com/podcast/simple-steps-to-start-saving/
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Aug 8, 2022
Achieving Financial Freedom With No Regrets
Looking back on your life, will it look the way you want? Will you have accomplished everything you wanted to, spent time with the people you wanted, and reached your financial goals? Will you be at peace?
In this episode, I talk with Jordan Grumet about how to reach financial freedom without regret. He is the host of the award-winning Earn & Invest podcast and author of the newly released book, Taking Stock: A Hospice Doctor’s Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life. Jordan discovered financial independence as a burnt-out physician.
Show notes can be found here:
https://laceylangford.com/podcast/financial-freedom-with-no-regrets/
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Aug 1, 2022
Setting Teens Up for Financial Success as an Adult
Parents want the best for their kids. Because of that, it’s a balancing act of helping them and helping them help themselves. That applies to finances too.
In this episode, I talk to Bobbi Rebell about how to set your teens and young adults up for financial success. Bobbi is a CFP® and the author of Launching Financial Grownups: Live Your Richest Life by Helping Your (Almost) Adult Kids Become Everyday Money Smart. She is a financial literacy advocate, the host of the Money Tips for Financial Grownups podcast, and the founder of GrownupGear.com. Bobbi was previously a global business news anchor and personal finance columnist at Reuters and held various journalist positions at top news outlets, including CNBC, CNN, and PBS.
Bobbi shares what you can do now to help your kids be financially successful on their own. From budgeting and saving to understanding their first 401k and homeownership, Bobbi gives some practical steps on how to go about it.
The show notes can be found here:…
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Jul 25, 2022
Tips and Tricks for Traveling on Points
Credit card debt can get many people in trouble, but for some, credit cards help them travel and do more for less.
In this episode, Derrick Dye, the Co-Founder of Travel on Point(s). Shares some tips and best practices for traveling on credit card points.
Derrick always loved to travel and early on figured out a few tricks to save money on airfare and hotels through loyalty programs. But it wasn't until he and his wife started opening up credit cards for rewards to enhance their travels that he really understood the value. Now Derrick spends his time running a Facebook group, writing blog posts, and hosting zoom sessions to teach people how to maximize their rewards to Travel on Point(s).
Derrick shares tips to get started, some rules of thumb for credit cards, benefits you can receive, and most importantly, mistakes to avoid when using credit cards for points.
Show notes can be found here:
https://laceylangford.com/podcast/traveling-on-points/
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Jul 18, 2022
Staying Financially Focused in Strange Times
We’re in some financial strange times. Inflation is up, interest rates are rising, the supply chain is messed up, there’s lots of volatility, and we’re coming off COVID. But how do you balance everything that’s going on, stay consistent and create plans for your finances?
In this episode, I talk to Profit First Professional Rocky Lalvani, who has an MBA and is an Enrolled Agent, about what things you can control during these times, how to work on them and how to tune out the things out of your control.
Show notes can be found here: https://laceylangford.com/podcast/financially-focused-in-strange-times/
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Jul 11, 2022
How to Build Your Money Esteem
Money esteem is important. You have to have faith in your abilities to manage your money. If you have debt, you need faith in your ability to get out of debt. If you’re saving for retirement you need faith in your ability to save and invest money each month. And you need faith in your ability to live within your means.
Here are five ways you can build money esteem.
Show notes can be found here:
https://laceylangford.com/podcast/money-esteem/
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Jul 4, 2022
Financial Planning Tips for Dual Military Couples
Military married to military has its own sets of benefits and challenges. On one hand, you have great benefits and income but on the other, you have separations and a whole lot of planning and prep to make married and military life work.
In this episode, I talk to Certified Financial Planner and veteran, Katie Cannon. Katie is a fee-only financial planner and founder of Money Pilot Financial Advisor. She helps military service members and federal employees envision and build their best financial life. Katie served in the Army as a Black Hawk helicopter pilot and now enjoys riding her horses and life on the farm.
Katie shares advice on how dual-military couples can best plan their finances during and after service. She talks about the best thing dual-military couples can do to prepare for retirement and how to plan for the additional expenses of being married to another service member. As well as some considerations you may not know you should be taking with your money now, so it’s…
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Jun 27, 2022
What Military Spouses Can Do With Multiple 401ks
A military spouse’s retirement is an important part of a military family’s retirement planning. Thankfully more and more military spouses are taking advantage of using Individual Retirement Accounts or employer 401ks to save for their future. The challenge for military spouses is to decide what to do in situations where you have multiple 401k accounts because of your many job changes due to PCSing.
In this episode, I talk with Patrick Ortman, a military spouse and a Certified Financial Planner on best practices military spouses can use to help them make decisions and manage multiple 401ks.
Patrick founded Ortman Financial Planning in 2016, a financial planning and investment management firm located in Bethesda, MD. He has a strong focus on his clients’ overall financial well-being and recognizes that money is only a tool to help achieve the vision each person has for their life.
Show notes can be found here:
https://laceylangford.com/podcast/multiple-401ks/
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Jun 20, 2022
The Ins and Outs of Your Post 9/11 GI Bill Benefits
This week marks the 78th Anniversary of the signing of the GI Bill. The GI Bill benefit is right up there with free medical care when it comes to perks for serving in the military. The value of your Post 9/11 GI Bill benefit is not only big, the impact it can have on your future earnings and quality of life is even greater. Just like any planning for transitioning out of the military, there is some prep and planning that goes into getting the most out of your GI Bill benefit.
In this episode, I talk to veteran benefit expert, Dr. Paul R. Lawrence on how to plan and get the most out of your Post GI Bill benefit, mistakes to avoid, and how to transfer your benefit to your dependents.
Dr. Lawrence is an Army veteran, author, and passionate Veteran advocate. For almost three years, he served as Under Secretary of Benefits at the U.S. Department of Veterans Affairs. As Under Secretary, he was in charge of the Veterans Benefits Administration (VBA).
Show notes can be found here: https://l…
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Jun 13, 2022
What You Should Know About Inflation and the 4% Rule
We talk a lot about saving for retirement but often not about drawing from all of your retirement savings when it comes time. The 4% rule is important when it comes to withdrawing your retirement savings each year.
In this episode, I talk with Rob Berger about what the 4% rule is, how it came about, how it works and the impacts inflation can have on it.
Rob is the host of the Financial Freedom Show on YouTube and author of Retire Before Mom and Dad. Through his YouTube channel and blog, robberger.com, he helps folks navigate the world of investing and retirement planning.
Rob shares a wealth of knowledge about retirement, the 4% rule, and how it applies to military pensions.
Show notes can be found here: https://laceylangford.com/podcast/inflation-and-the-4-percent-rule/
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Jun 6, 2022
Survivor Benefit Plan FAQs
Do you know what the SBP decision is? If not, you’re not alone. A lot of service members and spouses don’t know it’s a decision they will be faced with come retirement time. And many don’t know the factors they should consider in the decision.
In this episode, I talk with a Survivor Benefit Plan expert, Kate Horrell about the questions you should know the answers to before you decide on whether or not to elect the SBP for service members' pension.
Kate Horrell is a military spouse, Accredited Financial Counselor, and personal financial educator who helps the military community make the most of their pay and benefits. With over 10 years working with thousands of military families, she understands the concerns of currently serving, retired, and veteran families.
Show notes can e found here: https://laceylangford.com/podcast/survivor-benefit-plan-faqs/
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May 30, 2022
Encore - How to Have a Stressless PCS
In honor of PCS season, I’m bringing back one of my popular shows to share with you. It’s my interview with Christine Carol "C.C." Gallagher, the Founder of Military Quality of Life Consulting, LLC and the Stressless PCS Kit. C.C. and I have a great conversation filled with lots of great tips on how to reduce stress in your next PCS. I hope you enjoy this show.
Show notes can be found here: https://laceylangford.com/podcast/how-to-have-a-stressless-pcs/
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May 23, 2022
Encore - Mapping Out a Plan For Your Pension and Benefits
Serving 20 years in the military comes with a pension and benefits that if planned out right can give you peace of mind and help your financial future.
This episode is an encore of an interview with CFP, Kit Lancaster on how you can plan out your pension and benefits now to help reach your financial goals.
Here is the encore of Mapping Out a Plan For Your Pension and Benefits.
Show notes can be found here: https://laceylangford.com/podcast/plan-for-your-pension-and-benefits/
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May 16, 2022
What You Should Know About Investing in I Bonds
With inflation on the rise, everyone’s looking at their money a little closer and ways to make every dollar go a little further. That includes your investments and savings.
In this episode, I talked with Marine veteran and Certified Financial Planner Josh Bannerman about what you should know about I Bonds before investing in them. You may know Josh as OG on the Stacking Benjamins Podcast.
Josh breaks down what I Bonds are, how they can be used in your investing and savings plan, and bonds' role in your investment portfolio. It might not be what you think.
Show notes can be found here: https://laceylangford.com/podcast/investing-in-i-bonds/
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May 9, 2022
Don’t Forget About Retirement Savings for Military Spouses
May is a big month for the military community. It’s Military Appreciation Month, and that includes Military Spouse Appreciation Day and Mother’s Day.
Military spouses are the backbone of the military community. Now, I know I’m biased, but they keep the home fires burning and households functioning through all the transitions military life includes. They’re the constant in PCSing, military schools, deployments, childcare, careers, and more. For many different reasons, military spouses are often not working or are working in jobs that don’t have retirement savings options through their employer.
With all the transitions and un and underemployment, retirement savings for a military spouse is often put on the backburner or, worse, not even considered. On the other side, service members are often working towards a pension, contributing to the Thrift Savings Plan, and in some cases saving in individual retirement accounts.
I want to bring military spouse retirement savings top o…
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May 2, 2022
MilMoneyCon22 Recap
The first MilMoneyCon is done and I’m here to tell the tale for those that couldn’t make it. Here's how it went.
Show notes can be found here:
https://laceylangford.com/podcast/milmoneycon22-recap/
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Apr 25, 2022
Owning Your Past to Make a Better Future
Past mistakes, hurt, and experiences can stay top of mind to the point we put them on replay.
In this episode, I talk with Dr. John Delony about steps you can put on repeat to create a path to well-being to improve your finances, marriages, and relationships.
Dr. John Delony is a national bestselling author, mental health and wellness expert, and host of The Dr. John Delony Show. He holds two PhDs – one in Counselor Education and Supervision and another in Higher Education Administration. Before joining Ramsey Solutions, John spent two decades working as a senior leader at multiple universities, a professor and researcher, and a crisis responder. Now as a Ramsey Personality, he teaches people how to reclaim their lives from the madness of the modern world.
Dr. John shares some awesome advice on how we can change the stories we tell ourselves, and reduce the negative self-talk to help shape a better future.
Show notes can be found here:
https://laceylangford.com/podcast/make-a-be…
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Apr 18, 2022
Social Security 101: Know Your Benefits
Social Security is something we know is there but do you know what your benefits are, when you can receive them and how do you get them.
In this episode, I talk with Social Security Expert, Lizna Odhwani about the ins and outs of Social Security.
Liz is a Social Insurance Specialist at Social Security Administration. She shares the latest news on Social Security, how you can find answers to your situation, and the resource you can use.
Show notes can be found here: https://laceylangford.com/podcast/social-security-101
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Apr 11, 2022
Having Difficult Money Conversations
There are conversations we know we need to have but often avoid them because we know they are going to be difficult. You know the convo is going to lead to a fight, or someone being hurt or even. How can you have those hard conversions in a way that is productive?
In this episode, I talk with difficult conversation experts Sheila Heen and Ivanka Diaz Canzius.
Sheila has been teaching Negotiation at Harvard Law School for more than 25 years, and now directs the Negotiation Teaching Program. She is also a Founding partner at Triad Consulting. She is a co-author of the New York Times bestsellers "Difficult Conversations, How to Discuss What Matters Most" and of "Thanks for the Feedback: The Science and Art of Receiving Feedback Well."
Ivanka is an Army veteran serving for 10 years as a JAG paralegal. She is currently a Juris Doctor Candidate at Harvard Law.
Sheila and Invaka talk about what difficult conversions are made up of, how to have them, mistakes to avoid, and how to have the…
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Apr 4, 2022
Tax Deductions for Military Families
Taxes deductions are probably on your mind. You want as many as you can get but which ones can you take. And what deductions should military families know about?
In this episode, I talk with military spouse, Sarah Bumgardner, the Member Benefits Coordinator with AAFMAA. We talk about tax deductions and ways military families can be prepared with their taxes.
Sarah previously served AAFMAA as a Senior Veterans Affairs Coordinator, SpouseLink ambassador, and as a Relationship Manager for AAFMAA Wealth Management and Trust.
Sho notes can be found here: https://laceylangford.com/podcast/tax-deductions-for-military-families
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Mar 28, 2022
Going Above and Beyond in Creating Your Career
Careers paths aren’t always straight and easy to navigate. In fact, for many veterans and military spouses, they’re almost always filled with curves or are ones you have to carve along the way. That’s the case for my guest, Alex Hopkin.
Alex Hopkin, is an Accredited Financial Counselor®, Certified Financial Planner®, and is the founder of Simply Paraplanner, a job board website connecting financial planning firms with virtual hires across the country.
Alex will be the opening keynote speaker at the first-ever MilMoneyCon April 21-23 in Cary NC. I can’t wait for her to share her message with fellow military financial professionals.
In this episode, Alex shares how she got her start as a financial professional, and the impacts being a military spouse had on her career. She also shares a little sneak peek into her keynote speech next month.
The show notes can be found here: https://laceylangford.com/podcast/creating-your-career
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Mar 21, 2022
#MilMoneyCon22: The Latest News
I’m super stoked for this episode today. I’m sharing the latest and greatest details on MilMoneyCon22.
If you haven’t heard, I’m putting on a conference for financial professionals that are united by military service. It’s happening April 21-23 at the Embassy Suites by Hilton Raleigh Durham Research Triangle in Cary, NC. And although it’s nerve-wracking doing something new, I know amazing things are going to come out of everyone coming together so that is my focus—bringing the military and money professionals together.
In this episode, I’m going to give you all the latest details about MilMoneyCon and what everyone can expect: the schedule, speakers, events, and more.
For tickets, hotel information, speakers bios, and more, visit https://milmoneycon.com
Show notes can be found here: https://laceylangford.com/podcast/milmoneycon22
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Mar 14, 2022
The Financial Issues Veterans Face
Service members separating and retiring from the military face a unique set of financial challenges. Challenges that can have lasting financial ramifications unless you prepare for them.
In this episode, I talk with Dr. Ann James about the financial challenges veterans face, how you can better prepare for them before you get out, and resources you can use now.
Dr. Ann James is a fellow Air Force veteran, Accredited Financial Counselor, and podcaster. She’s the founder and CEO of Financial Freedom Battle Buddies, with the mission to educate and equip military service women and veterans to renew their mindset, regain control over their behavior, and reclaim confidence in their ability to manage money so that they can live life freely.
Show notes can be found here: https://laceylangford.com/podcast/financial-issues-veterans
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Mar 7, 2022
R. Riveter: Helping Milspouses Earn Money
Making money as a military spouse is a mission in itself. We all know milspouse un and underemployment takes its toll on a military family’s budget. To tackle the challenge many milspouses are thinking outside the box to create their own earning power. My guests did just a thing but on a big scale.
In this episode, I talk with Lisa Bradley and Cameron Cruse the founders of the uber-successful handbag company, R. Riveter about creating income through entrepreneurship. Saying they’re a handbag company is an understatement of their brand. Cameron and Lisa not only created a company to solve their own income and employment struggles, but they also created a company that helps hundreds of other milspouses earn a living wherever the military sends them.
The show notes can be found here: https://laceylangford.com/podcast/r-riveter/
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Feb 28, 2022
What You Need to Become a Military Millionaire Next Door
Do you know a millionaire? If you said no, you’re probably wrong. According to a 2021 report by Credit Suisse, there are almost 22 million millionaires in the U.S. That means you probably know a millionaire or two and they may even be in your neighborhood.
In this episode, I’m talking with Brian O'Neill, CFP and Air Force veteran about the actions you can take to start working towards millionaire and financial independence status.
Brian retired in 2020 after 23 years of flying the F-16, F-35, and commanding up to the Group level.
Brian began the path to become a CFP mid-career and started his firm in January 2021. As a fee-only fiduciary, Brian’s focus is on military pilots but helps families across the military and veteran community.
He is part of the VA's Beneficiary Financial Counseling Services program and works with survivor families as well.
Separate from his firm, Brian moderates a private Facebook group called "Fighter Pilot Finance" with over 1,000 members.
Brian w…
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Feb 21, 2022
What the True Costs of Homeownership Are
For most of us, buying a home is the single biggest spend we’ll ever make. Buying a house costs a lot of money but do you know how much the house you’re buying really costs?
In this episode, Danetha Doe shares some of the costs that come with homeownership that you’re probably not aware of until you’ve signed on the dotted line.
Danetha is a writer and financial wellness educator for Clever. Clever’s expert advice, reviews of service providers, and data-driven research help more than 12 million readers make smarter real estate decisions each year.
Danetha is also the creator of Money & Mimosas, a wealth education company for folks that move to the beat of their own drum.
Show notes can be found here: https://laceylangford.com/podcast/costs-of-homeownership/
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Feb 14, 2022
Know the Effects of the Advanced Child Tax Credit
Taxes can be intimidating. There’s a lot to understand. There are different types of income incomes to consider, different deductions, credits and a whole bunch more.
In this episode, we talk about what you should know about the Advance Child Tax Credit. How it’s different from the Child Tax Credit, the impacts of advance payments, what divorced couples should know, and how to plan and get help with your taxes.
My guest, Jerry Zeigler is a 20 year US Navy submarine veteran and a military spouse, who has experienced both sides of deployments. Jerry completed his MBA, is an Accredited Financial Counselor®, and an Enrolled Agent. He was a 2010 FINRA Foundation Military Spouse Fellow. As the owner of JZ Financial management, he provides virtual tax preparation, tax consulting, and financial counseling. Jerry is also a member of the Better Financial Counseling Network. Jerry is a SaverLife Tax Coach and who has authored several articles about taxes for them. SaverLife is a non-profit…
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Feb 7, 2022
Why a Mindful Money Plan is Important
Blindly managing money isn’t a good idea. Being mindful of your money can help you make smart financial choices, reduce stress, and reach your goals.
In this episode, I talk with Tyson Koska about why having a mindful financial plan is important, how you can become more mindful and tools and resources to help.
Tyson is an Army veteran where he served as a helicopter pilot. He is the founder of OnTrajectory, a personal finance planning tool for individuals and professionals. After separating from the military, Tysons used his GI Bill to pursue his Bachelor's and Masters degrees and then spent the next 25 years in software development, working for large corporations in banking and insurance. Now Tyson is bringing easy-to-use and accurate financial modeling to the masses with OnTrajectory.
Tyson shares a lot of great advice on the power of being mindful and creating a plan that’s adaptable with software.
The show notes can be found here: https://laceylangford.com/podcast/mindful-m…
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Jan 31, 2022
Ways to Keep Your Financial Flexibility
Life is going to happen. And when it does, there’s usually a financial ramifications for it. When you know challenges and opportunities are going to come up in life, how do you keep your finances flexible enough to adapt to those times?
In this episode, my guest, Anne Lester talks about ways you can develop and sustain financial flexibility to keep your spending, saving, and investing on track during those times.
Anne is a keynote speaker and moderator that helps Millennials and GenZs save smart and retire happy.
Anne spent 20 years as Head of Retirement Solutions for JPMorgan Asset Management. Her media coverage includes CNBC, Bloomberg, WSJ, NYT, and Barron’s which featured Anne on their cover. With AARP, Anne co-founded Aspen Leadership Forum on Retirement Savings to find breakthroughs to the far-reaching problem of inadequate savings.
The show notes can be found here:
https://laceylangford.com/podcast/financial-flexibility/
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Jan 24, 2022
Teaching Money Skills to Your Family and Community
Teaching money skills is something many people can do. That’s what this episode is about, how to teach money skills to your family and community and the resources you can use to do it.
My guest today, Rhonda Ashburn shares how military families can teach their children and communities about personal finance, tips to get your family interested in learning personal finance, and how their education curriculum can help.
Rhonda is a milspouse who leads the American Financial Services Association Education Foundation (AFSAEF). Their mission is to educate consumers of all ages on personal finance concepts and help them realize the benefits of responsible money management through their free financial literacy education curriculum MoneySKILL. To date, nearly 1.3 million users have enrolled in the program, comprised of 37 different modules.
Show notes can be found here: https://laceylangford.com/podcast/teaching-money-skills/
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Jan 17, 2022
How to Invest in Mobile Homes?
There’s more to real estate investing than you think. Did you know you can invest in mobile homes? I didn’t. In this episode, we talk about what mobile home investing is and how to invest in them.
My guest, Rachel Hernandez is an author, Air Force milspouse, and real estate investor. As a former business-to-business sales executive for various Fortune 500 corporations, Rachel has extensive training in the area of sales and marketing. With over a decade of experience, she spent several years as a landlord before taking the leap to specialize in mobile home investing. She’s the author of Adventures in Mobile Homes: How I Got Started in Mobile Home Investing and How You Can Too! and the Real Estate Investing Sucks series of books.
Rachel breaks down what investing in mobile homes looks like, how it’s different from traditional real estate investing, and tips on how to get started.
The show notes can be found here: https://laceylangford.com/podcast/invest-in-mobile-homes
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Jan 10, 2022
Why Your Money Planning and Practices Need to Be for Real Life
Your financial plan and money management can’t be a carbon copy of what your neighbor or your best friend is doing. They aren’t you, it’s not your life. The plan you create and practice needs to be centered around your life and your realities to be successful. Even if you do that, there are going to be some mistakes along the way. We all make them. How you plan and approach your money makes all the difference. A little humor goes a long way when things get serious. The military community knows better than anyone else about finding the funny in frustrating situations.
In this episode, my guest Joe Saul-Sehy shares advice on modernizing your money management in a way that works with your goals and real life.
Joe is the creator and co-host of the Stacking Benjamins podcast and co-author of STACKED: Your Super-Serious Guide To Modern Money Management. He’s a former financial advisor and represented American Express and Ameriprise in the media.
The show notes can be found here:…
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Jan 3, 2022
How to Compare Mortgage Costs and Make a Decision
Buying a house is not just a big decision. It’s a series of big decisions. You have to find the location, the right home, in the right area. You have to apply for mortgages, make an offer, and then you have to compare mortgages to decide which one to go with. But how do you compare and make such a big financial decision?
In this episode, my guest, Kevin Parker, breaks down how to compare closing costs between lenders to make and decide which mortgage is the best deal for you.
Show notes can be found here:
https://laceylangford.com/podcast/compare-mortgage-costs/
Kevin is the Vice President of the Mortgage Origination teams at Navy Federal Credit Union. Kevin holds a Bachelor’s degree in Finance from Hampton University. He has over 23 years of lending experience working for Capital One, SunTrust, and TD Bank. He has held various leadership roles with expertise in Real Estate Lending, Commercial Lending, Business Banking, Credit Analysis, and Business Development.
Kevin gives pr…
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Dec 27, 2021
Lacey’s 2021 Lookback
It’s hard to believe we’re closing down 2021 and rolling into the New Year. I don’t know about you, but for me, 2021 has had some ups and downs. Some good and bad news. Some moments I never want to forget and some others I don’t care to reminisce one. So I guess it’s been a lot like other years but nothing is ever exactly the same.
It’s time for my look back over the last year. Things we’ve discussed on the show, things that happened in our community, and what’s coming for 2022.
The show notes can be found here: https://laceylangford.com
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Dec 20, 2021
How to Rewrite Your Money Story & Find Your Path
Finding your path in life and financial success can be hard. Most of us take a broken road to get where we want in life. But are there some easier ways to find your path and to work in your zone of genius? Maybe?
In this episode, Mike Zeller shares insights on how to overcome struggles in finding your path to success, how to rewrite your money story, and how to deal with imposter syndrome.
Mike Zeller is a business architect and entrepreneur mentor who helps professionals find their zone of genius and their life’s purpose. He has mentored over three hundred high-level entrepreneurs from all over the world. An entrepreneur himself, Mike has founded or partnered in over 20 ventures across multiple industries.
The show notes can be found here: https://laceylangford.com/podcast/how-to-rewrite-your-money-story/
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Dec 13, 2021
Encore - What You Need to Know About Inflation in 2021
Inflation continues to be a hot topic. Talk about the price of goods increasing is all over the news. A while back, I had Robert Frick on the show to talk about what we should all know about inflation and how it is impacting us all.
As we prepare to roll into the New Year, I thought we’d go over inflation one more time to help us financially prepare for next year.
Here is the encore airing of What You Need to Know About Inflation with Robert Frick from Navy Federal Credit Union.
Show notes can be found here:
https://laceylangford.com/podcast/inflation-encore/
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Dec 6, 2021
Finances for First Generation Families
The importance of family and finances for first-generation service members is something I learned early on as a financial coach in the community. There are a large number of service members that are first-generation Americans. And often those service members are financially responsible for extended members of their family. Which can have an impact on their budget and meeting their own financial obligations.
In this episode, we talk about the financial struggles that first-gen Americans face, family expectations and culture, and the importance of financial literacy.
My guest knows a thing or two about finances and first-gen families. Giovanna “Gigi” Gonzalez is a Phoenix-based financial educator with 10 years of experience in financial services. She’s a first-generation American, first-generation college graduate, and a TikTok star by the name of TheFirstGenMentor where she reaches over 160,000 followers through her educational and entertaining videos on financial literacy and c…
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Nov 29, 2021
MilMoneyCon: The Gathering of Military Financial Professionals
MilMoneyCon is happening April 21-23, 2022 in Cary, NC.
I’m so happy to be able to make the announcement.
MilMoneyCon is a conference for military financial professionals. That means financial coaches, counselors, planners, educators, influencers, students, and writers from the military community.
In this episode, I give you all the details about MilMoneyCon and what everyone can expect.
The show notes can be found here:
https://laceylangford.com/podcast/planning-milmoneycon22/
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Nov 22, 2021
The Top End of Year Tax Planning Tips for 2021
Taxes aren’t top of the fun things to do every year. In fact, it’s something that a lot of us avoid. But if you do a little planning and preparation in advance, it can make tax time and your finances run a little smoother.
In this episode, I talk with Benjamin Brandt about the list of tax items you should review at the end of the year, mistakes you can avoid, and what military families need to know about taxes.
Benjamin Brandt is a CERTIFIED FINANCIAL PLANNER™ and Founder of Capital City Wealth Management, a Bismarck, North Dakota fee-only financial planning company. He’s an Iraqi combat veteran having served in the North Dakota Army National Guard for 8 years, including a 15-month deployment to Iraq in 2003.
The show notes can be found here:
https://laceylangford.com/podcast/end-of-year-tax-planning-tips-for-2021/
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Nov 15, 2021
How to Protect Your Health and Wealth with TRICARE Around the World
TRICARE not only helps take care of your health, but it also protects your wealth. Travel is a way of life for many military and veteran families. If we’ve learned anything in the military is that anytime you travel, Murphy’s Law, something is going to go wrong. Unfortunately, many times that can be your health.
Figuring out TRICARE when you’re on the move and sick or hurt is not fun. Learning about your benefits before you travel can keep your body and wallet healthy.
In this episode, John Letaw is going to break down how to use your TRICARE benefits when you travel, common misperceptions, and how to get the most out of your benefits.
Show notes can be found here: https://laceylangford.com/podcast/tricare-around-the-world/
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Nov 8, 2021
The Steps to Financial Independence Retire Early (FIRE)
Taking small steps to financial independence can have a big impact on your retirement. Many people talk about F.I.R.E or financial independence, retire early. But what are the steps you should take to get there? And does F.I.R.E look the same for everyone?
In this episode, my guest, Doug Nordman shares the steps you can take to F.I.R.E., how to handle debt in the process, and how to leverage your military benefits to achieve financial independence faster.
Doug served for 20 years of active duty in the U.S. Navy’s submarine force and retired in 2002 at the age of 41. He and his spouse, a retired Navy Reservist, reached financial independence in 1999 on a high savings rate.
He’s the author of “The Military Guide To Financial Independence And Retirement” and founder of The-Military-Guide.com. With his daughter Carol Pittner, he's the co-author of "Raising Your Money-Savvy Family For Next Generation Financial Independence" through ChooseFI Media.
The show notes and resources ca…
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Nov 1, 2021
What Veterans Should Know About Starting a Small Business
Happy Small Business Week to my fellow veterans. If you want to start a business, there’s a lot to know beyond your craft or the thing you are selling. Lack of knowledge can hurt your businesses financially.
In this episode, Will Scott breaks down the things transition veterans can do to start a small business, how to get money to start your business, resources, and tools you can use plus missteps to avoid along the way.
Will is the Vice President of Business Solutions at Navy Federal Credit Union. He has over two decades of business solutions expertise from super-regional banks and major metropolitan credit unions across the country.
The show notes can be found here: https://laceylangford.com/podcast/veterans-should-know-about-starting-a-small-business/
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Oct 25, 2021
Are Store Credit Cards Really a Great Deal?
Store credit cards are offered at almost every place you shop nowadays. They can be tempting to sign up for especially if money’s tight but are store credit cards a good idea for your credit and finances?
In this episode, I talk with Michelle Lambright Black about whether or not store credit cards are a good deal.
Michelle is a leading credit expert, writer, and speaker with nearly two decades of experience in the credit industry. She is an expert in credit and credit scoring, financing, debt elimination, and identity theft. Michelle is featured in print monthly with brands such as FICO, Forbes, Reader’s Digest, LendingTree, Bankrate, and more. You can connect with Michelle on her website, CreditWriter.com, where she loves showing people how to avoid debt and make good credit work to their advantage.
Michelle shares the pros and cons of store credit cards, what you should know before you sign up and how to look for a credit card that’s best for you.
Show notes can be found he…
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Oct 18, 2021
The Best Systems & Processes You Need to Run a Business
Having a business goes beyond owning it, you’ve got to run it too. Or it won’t last long. Systems and processes are a way to help you run a business like a well-oiled machine. But what systems do you need? And what processes should you put in place?
In this episode, Jaime Jay shares the best systems and processes to run your business well so you can reduce stress and stay focused on making money.
Jaime Jay is a connector, starter-geek, podcaster, founder of the award-winning Bottleneck Distant Assistant Services company, and author of Quit Repeating Yourself. A book about how he built a seven-figure business by focusing on the power of creating systems and processes so he could stop doing the wrong things and focus on doing his best work.
Jaime is a U.S. Army veteran that worked in corporate America for over 12 years before becoming a full-time entrepreneur in 2006.
Show notes can be found here:
https://laceylangford.com/podcast/best-systems-and-processes/
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Oct 11, 2021
How to Have a Debt-Free Christmas
It’s coming. Christmas is around the corner. Have you been saving for it? If you haven’t, you’re not alone. Most people don’t save for holiday spending and unfortunately, go into debt because of it.
But that doesn’t have to be the case this year. My guest, Lauren Greutman is here to show us all how to have a debt-free Christmas. Lauren is an award-winning Consumer Savings Expert and the best-selling author of The Recovering Spender. She’s a regular guest on the Rachael Ray show, the Today Show, and Dr. Oz.
In this episode, Lauren shares her story of getting out of over $40k of debt, actionable tips for having a debt-free Christmas, and how to avoid spending temptations. And I may have also asked what it’s like to be on national TV.
The show notes can be found here:
https://laceylangford.com/podcast/how-to-have-a-debt-free-christmas/
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Oct 4, 2021
Crypto vs Stocks: What You Should Know
Investing in crypto is all the rage. It’s in the news, social media, and you’ve probably heard people talking about it in person. But what is cryptocurrency, how does it compare to stocks and traditional investing. And even better, is it for you?
I could think of no other to have a discussion on crypto with than Josh Bannerman. Josh is a Certified Financial Planner and a Marine. You may know him as OG, the co-host of the super-popular Stacking Benjamins podcast. He’s a friend, fellow veteran, and a phenomenal financial advisor.
In this episode, Josh breaks down what cryptocurrency is, how it works, why it’s popular, and what you need to know before investing in it.
Show notes can be found here:
https://laceylangford.com/podcast/crypto-vs-stocks/
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Sep 27, 2021
Where to Find Your Unclaimed Money And Property
In this episode, Dennis Johnston, a Navy veteran and the Administrator of the Utah Unclaimed Property Division shares the steps you can take to find your unclaimed property.
Think about how you feel when you find money in your pockets. Now think about finding lots of money you didn’t even know you had. That’s unclaimed money and property.
Each year billions of dollars and property go unclaimed. In 2020 alone, there was over $7 billion of unclaimed property. That’s a lot of money people are missing. Money that could help you pay off debt, build up your savings or improve your quality of life. But you have to find it before you can get it back in your bank account.
The show notes can be found here: https://laceylangford.com/podcast/unclaimed-money-and-property/
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Sep 20, 2021
Are Annuities a Good Investment?
Are annuities a good investment is a question financial professionals get asked a lot. It’s asked a lot because they can be confusing. You may not understand what they are, how they work, and who they are for.
Sean Gillispie is a financial advisor and Navy veteran. He’s the Co-founder & Managing Partner of Redeployment Wealth Strategies. After serving 20 years as a surface warfare officer, Sean began his second career as a fee-only financial planner for military and veteran families.
In this episode, Sean breaks down what annuities are, their pros and cons, when they should be used, and what service members should know about them.
Show notes can be found here:
https://laceylangford.com/podcast/are-annuities-a-good-investment
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Sep 13, 2021
Lacey's Bday Bash 2021
It’s that time again. It’s my birthday and I’m happy you’re here to help me celebrate. Last year for my three siblings were guests on my show. Since then, I’ve recorded 52 episodes of the Military Money Show and talked with some amazing people. I loved every bit of it. To include my recording with my Grandma. That was a very special show. But today I have another special one. It's my Dad! In this episode, I get to grill my Dad on growing up in upstate New York, his early start in the working world, his best money advice, military life, and some of the things he taught me growing up.
Show notes can be found here:
https://laceylangford.com/podcast/laceys-birthday-bash-2021
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Sep 6, 2021
Money 101 for College-Bound Students
Preparing your kids to leave the family nest is a huge transition. There’s a lot of planning and preparation that goes into it. And we aren’t just talking about decorating their dorm room.
No parent wants their kids to struggle so you try and impart every bit of knowledge you have on them to help them be successful. Money knowledge is top of the list for most parents to make sure their kids have a handle on before they live home. But what should they know?
My guest Sharita M. Humphrey is here to give a money 101 lesson for college students and their parents. Sharita is a nationally recognized, award-winning finance expert and money mentor. Having previously been broke and homeless herself, Sharita knows first-hand that financial freedom has a blueprint and she’s committed to helping women change the financial trajectories of their lives.
Sharita is a Mom who has financially prepared her children for leaving the nest. She is also a certified financial educator, speaker, and coa…
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Aug 30, 2021
Strategies for Getting Out of Debt
Anyone in it knows debt is hell. If it was so easy to get out of debt, no one would be in it. It’s hard but having an understanding of how money works, your debt situation, and creating a strategy can help you get out of debt.
My guest, Erin Skye Kelly knows a thing or two about being in debt and strategies to get out of it.
Erin is a bestselling and award-winning author of Get the Hell Out of Debt. A book that teaches financial literacy in a way that’s approachable, entertaining, and inspiring. Erin’s resources have helped thousands of people pay off millions of dollars in personal debt, and are inspired by her deeply personal journey of regaining financial freedom after paying off over $2 million of personal debt.
Erin is a keynote speaker and entrepreneur who has shared the stage with legendary motivational speakers such as Tony Robbins, Phil Town, and Gary John Bishop.
Erin shares her advice for how to approach your debt, strategies to get out of debt, and common debt mis…
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Aug 23, 2021
Buy Now Pay Later: Is it Good or Bad?
Buy now and pay later, or not? That’s a good question.
Buy now, pay later is a consumer trend that’s growing in popularity. Many online retailers are offering the option to buy your items now and make payments on them later. Some may see this as a buying trend, while others think it’s here to stay.
Jarod Taylor is on the show to talk about buy now, pay later with me.
Jarod is an Accredited Financial Counselor and the Certification Program Manager for AFCPE. He guides candidates through the AFC certification process, connects organizations with the appropriate training for their teams, and assists professionals in maintaining their certification.
Jarod breaks down what buy now, pay later is, how it works and whether it’s a good or a bad thing. Plus, he shares personal finances tips to be smart about using buy now, pay later.
Show notes can be found here:
https://laceylangford.com/podcast/buy-now-pay-later/
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Aug 16, 2021
Why Retirement Points are Important
Retirement points are important but they’re also confusing as all get out. Points can help or hurt the money you earn in retirement. So they’re very important to know about and understand!
John Cooney is a CFP (R), Enrolled Agent, and a fee-only financial planner who founded Green and Gold Financial Planning to help people make smarter financial decisions, develop confidence in their financial situation, and live more financially secure lives. John is a graduate of West Point and a 20 year US Army veteran. When not working with clients or attending his drill weekend, John enjoys being outdoors with his wife and two boys, cooking, running, and cheering on the Boston area sports teams.
John breaks down what retirement points are, who they’re for, why they’re important and how they impact your military pension.
Show notes can be found here:
https://laceylangford.com/podcast/retirement-points/
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Aug 9, 2021
How to Join the Fight Against Cybercrime on the Military
Between 2016 and 2020, Service members and veterans lost over 420 million dollars in scams that were reported. Members of the military community are victims of Cybercrimes at a higher rate than the civilian community. A steady paycheck and frequent deployments make you a big target for fraud.
Cindy Liebes is the Chief Program Officer at the Cyber Security Network, a public and private collaboration to help individuals and small businesses combat cybercrime.
Cindy and I talk about common types of scams and fraud impacting service members and military spouses, how you can spot them and what to do about them whether you are a victim or not.
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Aug 2, 2021
What You Need to Know About Inflation in 2021
Inflation is something that impacts everyone's wallets. Talk about the subject is everywhere but what’s everyone saying and what does it all mean?
To get the 411 on what’s going on with inflation in the U.S., I’m bringing in an expert on inflation, Bob Frick.
Robert Frick is Navy Federal’s corporate economist, the world's largest credit union serving the military and their families. He provides expertise in economics as it relates to home, auto and consumer lending, credit cards and financial planning. Bob is an expert in personal finance, having worked as an editor at Kiplinger’s Personal Finance magazine for 15 years, and also is an expert in behavioral economics, or the study of people’s behaviors surrounding money.
Bob and I get into a great discussion of what’s going on with inflation and what it means for all of us and our wallets.
Show notes can be found here:
https://laceylangford.com/podcast/inflation-in-2021
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Jul 26, 2021
The Money Fundamentals Moms Should Know
Many military spouses head up the finances for their households. The frequent moves and deployments make it easier for the military spouses and often military wives to be the money point person whether you have experience or confidence to manage money or not.
Catherine Alford is the author of the book Mom's Got Money: A millennial mom's guide to managing money like a boss. She’s a nationally recognized financial educator who started her business with a $10 domain name and grew it into a multifaceted, six-figure digital media company.
Cat shares what every Mom should know about money, how to educate yourself on money fundamentals, and the importance of calculating your net worth.
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Jul 19, 2021
Starting a Non-Profit After Military Service
Starting a non-profit after military service is an option some aren’t aware of. Creating your own non-profit to do the work you love and to help others is an opportunity you can take if you prepare.
My guest, Mike Steadman, the Founder & CEO of IRONBOUND Boxing & Education, did just that. Mike, a three-time National Collegiate Boxing Champion from the United States Naval Academy and Marine Corps Infantry Officer, started a nonprofit organization based in Newark, NJ that provides free amateur boxing training, entrepreneur education, and employment opportunities for Newark youth & young adults.
Mike shares his story of getting started in boxing, the steps he took to start a non-profit, and tips to help you start a nonprofit, and mistakes to avoid.
The show notes can be found here:
https://laceylangford.com/podcast/non-profit-after-military-service/
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Jul 12, 2021
Making Money as a Virtual Assistant
Not everyone is content to live off of service member's pay alone. Military spouses want to make money and many service members want to make additional income. People want a better quality of life and are willing to do the work to make more money but how do you do it?
A growing path to earn money anywhere, anytime is by becoming a virtual assistant or a VA. Mary Elaine Baker knows how to make lots of money as a VA. Mary Elaine is the Co-Founder of VAUSA with her husband, Brett. Mary Elaine is a former military spouse that previously worked full-time as an elementary school teacher while her husband was deployed. After struggling for so many years to balance competing demands, Mary Elaine longed for a better work-life balance and a way to be more present for her children. She discovered the ability to work remotely helped her to succeed in other areas of life.
Mary Elaine and I talk about how she got started, how VAUSA can help military spouses become VAs, and what you need to know ab…
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Jul 5, 2021
When You Want to Become a Financial Planner After the Military
Figuring out what you want to be after you retire or separate from the military is a big decision. Or figuring out a career that works well with military life can be a challenge for spouses. If you’re going to work as a financial professional, there’s a lot to do and know before starting that career path.
Certified Financial Planners and military veterans Forrest Baumhover and Daniel Kopp are on the show to share advice on the steps you should take if you’re interested in becoming a financial planner. I know I’m biased since it’s my show, but this episode is a resource I had before starting my path as a financial professional.
Forrest and Daniel are the creators and hosts of the Military to Financial Planner podcast. A podcast where they share their unique perspectives and career transition advice to help others build a post-military life and career as a financial planner.
Forrest and Daniel break down what you should know and do before getting started as a financial…
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Jun 28, 2021
Encore - Getting Settled After the PCS to Charles Schwab
It’s encore time. For USAA members, the transfer of investment products to Charles Schwab was something that we had to get used to. It was new. Well, it’s been a year since the transfer so today I’m doing an encore airing of my show with Danielle Munoz from Charles Schwab on the benefits members receive at Schwab. Danielle covers a lot of valuable info in this show.
Be sure to check out the show notes with newly updated resources from this show.
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Jun 21, 2021
Encore - The Changing Landscape of USAA Investments
It’s hard to believe but it’s been a year since USAA transferred their brokerage accounts to Charles Schwab. In honor of the anniversary, I’m doing an encore presentation of my interview with Mary Stork from USAA.
Be sure to check out the show notes with newly updated resources. I’ll have more information on Schwab stock slices and the free financial plan you are eligible for as a Schwab client.
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Jun 14, 2021
How to Host a Family Money Meeting
Money conversation can be hard to start. It’s a talk that a lot of people would rather avoid. Especially when money’s tight. They can be stressful and lead to fights in a marriage. So you can see why it’s not top of the list for most people. But it’s something that has to be done.
Paul Roberts is a Charles Schwab Financial Consultant - Member Relationship Advisor. He is a Certified Financial Planner and a Human Resources Officer in the Army Reserves. He understands the importance of money conversations and legacy planning for the military community.
Paul shares advice on how to start money conversations, what needs to be discussed, and how to handle resistance. He also talks about how you can get your gets involved in money discussions.
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Jun 7, 2021
How to be Better Prepared for Tax Season
Tax time comes every year but somehow, most people aren’t ready for it. I guess when you only do something once a year, you get a little rusty. Wouldn’t it be easier if we prepare all year, instead?
My guest, Paul Allen, is helping us prepare for tax season all year. Paul retired from the Navy after 24 years of service, eight years as an enlisted nuclear reactor operator, and 16 years as an Intelligence Officer. Following his retirement, Paul continued to serve as a civilian employee of the Army and Coast Guard. Following his passion, Paul opened PIM Tax Services and later, Redeployment Wealth Strategies. He earned enrolled agent status and is a Certified Financial Planner.
Paul shares advice and tips on how to create routines to keep your finances in order for tax season. He also talks about the things that need to be on our tax radar and mistakes you want to avoid.
Show notes can be found here: https://laceylangford.com/podcast/prepared-for-tax-season/
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May 31, 2021
How to Eliminate Debt in the Military
Debt is something that many have but don’t want. It causes financial stress and takes away from your financial freedom. But how do you eliminate debt?
Neslie Ethridge understands the stress of debt. He experienced moving every two years with his young military family, racking up debt along the way. He juggled multiple bank accounts, often postdating personal checks to make ends meet. His financial choices caused Neslie and his family to live paycheck-to-paycheck. Relying on credit cards to fill the gaps when unexpected expenses and emergencies came along.
Today Neslie lives debt-free and lives off of the passive income he has created. He has a passion for helping others with personal finance. He is a Master Financial Coach, accredited through Ramsey Financial Solutions.
Neslie shares advice on how you can eliminate debt and the mistakes to avoid along the way.
You can find the show notes here:
https://laceylangford.com/podcast/eliminate-debt-in-the-military/
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May 24, 2021
Mapping Out a Plan For Your Pension and Benefits
Separating or retiring from the military is a big deal. Planning and preparation should be given to leaving the military so you make informed decisions about things that can have lasting financial impacts.
Looking at your pension and benefits together can help you make the best decision for you and your unique circumstances.
Kit Lancaster is an Army Veteran and Certified Financial Planner. He’s the founder of Sterling Edge Financial, a financial services firm focused on serving emerging professionals and business owners with wealth management and financial planning advice. Kit enjoys actively supporting veterans and the veteran community in Chicagoland.
Kit shares advice on how to map out your pension and benefits before you leave the military to help you have the quality of life you want after the military.
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May 17, 2021
Military Appreciation Roundup 2021
Military Appreciation Month is the Super Bowl for the military community. There’s a lot of coverage and fanfare. It’s only missing the commercials. It’s the entire month of May and is designated to the U.S. Armed Forces.
I hope that some of the resources I’m going to share can help you treat yourself this month and celebrate all that you do.
Here’s a roundup of the perks for Military Appreciation Month 2021.
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May 10, 2021
Adventures in Making Money With Websites
You can make a ton of money with websites. But how do you do it? How do you get started? What are the things you should do? And what should you avoid doing? Where should you spend you money to get started?
Lena Gott is here to give us all the ins and outs and of making money with websites. Lena is a friend and fellow blogger. She’s the person I go to when I have business questions.
Lena is the founder of the super successful blog, What Mommy Does and the Adventures in SEO course. She’s a CPA turned stay-at-home-mom of 3 kids and a blogger, course creator, and Pinterest star. Lena writes helpful posts for stay-at-home moms with a focus on family finances and helps bloggers get website traffic and run a blog with her courses.
I had the chance to sit down with Lena and get her advice on making money with websites and the things bloggers should focus on to make money. Lena shares a ton of valuable advice in this show.
Show notes can be found here: https://laceylangford.com/podcast/…
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May 3, 2021
How to Develop Rich Habits
Habits, we’ve all got them but are they good ones or bad ones. If you didn’t guess it, it’s important to build good habits, the ones that help you build wealth and financial freedom.
My guest is an expert in habits. More specifically, he’s an expert in rich and poor habits. Tom Corley is an internationally recognized authority on habits. His inspiring keynote addresses cover success habits of self-made millionaires- Saver-Investors, Senior Executives, Industry Experts, and Entrepreneurs, as well as the crippling habits of those struggling financially.
Tom devoted five years to asking 361 rich and poor individuals 144 questions each, in an effort to find out what the rich were doing right and what the poor were doing wrong.
Tom shares what rich habits you can develop, how to develop them and what amazing things can come from developing rich habits.
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Apr 26, 2021
What to Do When Your Security Clearance is in Jeopardy
Security clearances are serious business in the military—most service members need one to perform their job. And if you can’t get one or keep one, you could lose your job in the military. In that case, it means a reclass or, in some cases, being put out of the military. Personal finances are one of the guidelines in the adjudication process to obtain a clearance. Delicia Carswell is the founder of Elite Financial Consulting, LLC, a virtual personal financial consulting firm. She is a fellow military spouse and Accredited Financial Counselor® specializing in budget creation, debt management, credit restoration, and Federal Security Clearance assistance related to Financial Considerations. Delicia shares advice on obtaining a security clearance and how your finances can impact the process. She also walks us through what to do if you receive a Statement of Reason and Letter of Intent. Plus, she shares tips to keep your finances in general working order to avoid putting your security…
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Apr 19, 2021
How to Build Your Path to Financial Freedom
Financial freedom is achievable. We all want it but how do we get it? As you hear me say financial freedom is achievable, you may be sitting somewhere in the middle east or packing up your house for another PCS thinking there’s no way I can have financial freedom. Well, I’m here to tell you you’re wrong. It’s possible for you to make money beyond your imagination but to make it happen, you have to start carving out your own path.
My guest, John Lee Dumas is a veteran who was part of the first class of commissioned Army officers after 9/11. He is the founder and host of the award-winning podcast, Entrepreneurs On Fire. With over 100 million listens of his 3000+ episodes, JLD has turned Entrepreneurs On Fire into a media empire that generates over a million listens every month and 7-figures of NET annual revenue 8-years in a row.
I had the opportunity to ask John not only how he does it but how service members, veterans, and spouses can do the same. We also talk about his first…
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Apr 12, 2021
How Milpreneurs Can Make Money Selling Products and Services
Service members, military spouses, and veterans can make money selling products and services online. But how do you get set up to selling in a way that's PCS-proof?
Entrepreneurship in the military community has been kicked into high speed. After decades of struggling with un and underemployment, military spouses are taking control of their careers and earning power by becoming entrepreneurs. I know because this is what I did. I started my business because I was sick of my career being at the mercy of another move.
As a business owner who coaches business owners, I know many new entrepreneurs don’t understand that when you start a business, you’re going into sales. Yes, to make money you need to sell your goods or services. The question is, where do you sell your services?
My guest Monica Fullerton is here to provide a resource to help military spouses and veterans sell their goods and services to make money. Monica is an Air Force spouse, twin mom, and founder of Spouse-ly! Spo…
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Apr 5, 2021
The 5 Steps to Save in the Military
Saving money is the foundation of financial success. Having money set aside for emergencies and opportunities is essential in your money management tool belt.
Lila Quintiliani is here to talk about all things money-saving in the military community. Lila is an Active Duty Army spouse, veteran, mom of two, and the Military Saves Senior Program Manager. Previously she worked as a Personal Financial Counselor on military installations worldwide and as a contracted subject matter expert for content for the Department of Defense’s Office of Financial Readiness.
Lila and I discuss the power of saving automatically and for the unexpected. We also discuss the themes of Military Saves Month and the resources and tools the program has to help you save money all year long. We also talk about teaching kids about money, letting them make money mistakes early, and the importance of communication.
The show notes can be found here:
https://laceylangford.com/podcast/steps-to-save-in-the-military
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Mar 29, 2021
Financial Triage: How to Rescue Yourself From Debt
If we aren’t mindful of them, finances can get us frazzled! If somethings off with your money, you probably already know it. You know you have to do something but what is that something? Where do you start?
My guest, Eric Brotman is here to help us know where to go first with a little financial triage. Eric is a CFP with over 27 years of experience and the CEO of BFG Financial Advisors. He believes financial literacy is the key to well-being. He’s a personal finance author and the host of the Don’t Retire…Graduate! podcast. Eric’s approachable and actionable financial advice has been featured in the Wall Street Journal, Forbes.com, and Yahoo! Finance to name a few.
Eric shares his advice on doing financial triage to work on your financial well-being, retirement, debt, and more. He also shares steps you can take to gain control of your debt and strategies to build wealth and work towards the retirement you want.
The show notes can be found here: https://laceylangford.com/po…
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Mar 22, 2021
My Grandma's Story
We all have a history and they are many people in our lives that play a part in it. My family plays a big part in mine. That’s why I’m excited to share my guest with you today. It’s my Grandmother.
I sat down with my Grandma to talk about some of her family history. We chat about what it was like to grow up in the depression in a small town, her first job, bank accounts, and the day she found out about Pearl Harbor. We also discuss her meeting my Grandfather who was a ball turret gunner during World War II.
The show notes can be found here: https://laceylangford.com/podcast/my-grandmas-story/
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Mar 15, 2021
How to Create Work You Love
Life is a balancing act. We all have priorities, hopes and dreams, financial responsibilities, and family. Sometimes these can be out of sync and we can end up doing work that doesn’t fulfill us.
Many military spouses put up with work they don’t like for little money because of limited options. Many veterans struggle to find work after the military that they can earn a living at and enjoy. But what if you leverage things like your personality, natural skills, and your passions to meaningful work.
My guest, Dan Miller is the author of the New York Times best-selling 48 Days To The Work You Love. He has over 140,000 people subscribed to his weekly newsletter and his 48 Days Podcast consistently ranks in the top 1% of all podcasts. His mission is to help listeners find – or create – work they love.
Dan and I talk about how it’s possible for the military community to make money by doing things you’re passionate about and how it can change your life. Our conversion left me co…
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Mar 8, 2021
What Happens When You Go From Active Duty to Federal Employee
Most military service members and their families at some point have interacted with or worked alongside Federal Government Employees. Have you ever wondered how their benefits compare to yours or even how to join the Civil Service ranks? Did you know that they also have TSP?
My guest, Sam, is here to talk to me about financial life as a government employee and share some tips on gaining federal employment
Sam is the author of Government Worker FI. A civil servant since the age of 18, his mission is to help others successfully navigate the federal system and understand their benefits. On his blog, Sam also shares his financial journey and lessons he has learned through personal experiences.
The show notes can be found here: https://laceylangford.com/podcast/from-active-duty-to-federal-employee
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Mar 1, 2021
How to Make Change With Micro Shifts
It can be overwhelming when trying to take charge and make some positive changes in your life. Just taking that first step can be daunting. I have some good news, you can always start small.
My guest, Dan Mangena built a four-step system called the Beyond Intention Paradigm after experiencing life-shattering trauma. Through his own struggles, Dan found a path to lasting joy and purpose and he wants nothing more than to share those tools.
Dan is an author, coach, and motivational speaker who helps others with empowerment and joy. His work recently earned him a spot in the Wall Street Journal as a “Master of Success”.
Dan and I discuss how making small and simple steps to improve one’s life can lead to big changes.
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Feb 22, 2021
How to Manage Money With Spreadsheets
Do you have every financial move you make memorized—me either? That would be hard. I need a system to keep all of our financial ducks in a row. We need to know what is coming in every month and what is going out. Not to mention if I heel over tomorrow, I need my hubby to pick up where I left off.
Spreadsheets are one of the ways you can do that. But if you’re like me, sometimes complicated spreadsheets can be intimidating. I like things simple and easy to follow.
My guest, Peter Polson, is here to talk me down from some of my spreadsheet nerves.
Peter is the founder of Tiller Money. They provide customizable tools that empower people with greater understanding, confidence, and control of their financial lives. He has been thinking about better ways to help people with their personal finances for most of his life. Peter partially paid for college by teaching personal finance software classes for adults and later by working as an intern program manager at Microsoft on the Money so…
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Feb 15, 2021
From Financial Survival to Independence on Active Duty
The way your story begins doesn’t mean that’s your whole story. Personal finances is a journey we all start in different places. The actions you take along the way are you writing the story.
My guest, Maricela Soberanes' story started as financial survival in Mexico. She is one of nine siblings raised by a single mom in Mexico City. Her mother and older siblings struggled to provide the essentials in life. To improve her situation, Maricela moved to a different city without her family so she could attend a high school which is not free in Mexico. From there she continued to change her story by coming to the U.S. unable to speak English with only $100 to her name. She went on to learn English, became a nurse anesthetist, served in the Navy, and worked toward financial independence through saving and investing in real estate.
We talk more about Maricela’s story and how she went from financial survival to independence while in the military.
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Feb 8, 2021
How to Make Your Finances Fun With Gamification
You need good money management & budgeting to build wealth, but that doesn’t mean it has to be boring. Gamification is a unique way to manage money & add some fun.
My guest, Brandon Childers, is a fellow veteran and an expert in Gamified Resource Management, and a dedicated advocate to the veteran Community.
He served in the Marines as a Huey Crew Chief for five years, including a deployment to Afghanistan. Since separating from service in 2015, he has used the G.I. Bill to earn an M.S. in Applied Psychology at the University of Southern California. Now, he uses his unique perspective from his military experience and education to solve a problem that’s central to veteran depression, homelessness, and suicide—Financial Literacy.
Brandon and I talk about gamification, what it is, how it’s used and how it can help improve personal finance within the military community. I learned a lot about how gamification is being used in social media and the applications it can be used for t…
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Feb 1, 2021
What's Going on With GameStop?
If you’ve read the news or been online at all, you know something’s up with GameStop. You may be asking yourself why is everyone all worked up about their stock and what the heck Robinhood has to do with it. Or you could be asking what the heck is Robinhood even is. Well, we’re going to break it all down for you.
My guest, Andy Wang is a Managing Partner at Runnymede Capital Management and host of Inspired Money. He has been named by Forbes as a Top 10 Personal Finance Podcast and named among the INVESTOPEDIA 100: Most Influential Advisors, Top 100 Most Social Financial Advisors by Brightscope, and has appeared on Barron's and Forbes.
Andy and I get into what’s going on with GameStop stock, what it means, and why it’s happening. We also talk about the role Fintech like Robinhood has played in this rare financial event. Andy also gives tips on how you can keep your financial head when the fear of missing out or FOMO struggle is real.
You can get all the links and resources…
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Jan 25, 2021
Why and How to Pay Yourself First
Paying yourself first is a foundation for financial success, but what does that mean and why should you do it.
Many people are currently living paycheck-to-paycheck. That means that at the end of the month or the end of the year, after work their butt off all year, there’s no money in the bank to show for. In that case, if you were a business, your business might fail because you have no profit. You might be fine for a little while but you won’t go the long haul.
My guest, Rocky Lalvani is back on the show to talk about why you should pay yourself first and how you can do it.
Rocky is the Profit Answer Man and a Profit First Professional. He helps business owners achieve financial success and utilize their business profits to live a life of abundance. Rocky is the millionaire next door. He started out with basically nothing when his parents immigrated to the United States when he was two years old, and his dad was 42. It was his parent's second big move in life, and they were st…
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Jan 18, 2021
What I Think About Budgeting
Budgets—you can’t live with them, you can’t live without them. Just kidding. You CAN and SHOULD live with a budget. You can’t go through life spending like you’re sitting on a pile of money when you’re not. Budgeting gives you a clear picture of the money you have coming in and the money you have going out so you can make informed financial decisions. A budget is the number one tool to help get and maintain control of your financial life.
Unfortunately, not as many people budget or budget in a meaningful way as they should.
Some people just choose not to do it. Some people think they make good money so they don’t need to budget. Some people don’t budget because they think they don’t make or have enough money to budget. Then there are others that think it’s too complicated to budget. And others think it will take too much time or waste time because they won’t stick with it. There are a ton of excuses I hear on why someone isn’t budgeting. But the real bottom li…
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Jan 11, 2021
Investing in Your Health
It’s not a secret that the more time you have on your side, the more money you can make. Well to have more time you need your mind and body to go the distance.
My guest, David E. Frost is a Navy veteran, NFPT-certified Master Fitness Trainer, a rowing coach, and competitor. Since 2012, he’s been coaching the Baby Boomer generation on how to add longevity and vitality to their years. He specializes in nutrition, endurance, and strength training for people who deal with cancer, MS, and diabetes.
Dave’s also the author of, Kaboomer: Thriving and Striving into your 90’s. Utilizing 5 vital questions, Dave’s on a mission to get people to take more steps and fewer pills.
Dave shares advice on how to invest in not just fiscal bank account but also your physical bank account. He also gives me some tips and resources to help us sleep better and invest in our health.
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Jan 4, 2021
What I Want You to Know For 2021
Happy New Year everyone! We did it. It’s finally 2021!
I can’t believe it. 2020 was a wild and crazy year. It’s definitely one for the books. A book that should probably be titled, “When It All Goes Sideways and Flips Upside Down, and Catches on Fire.”
Everyone’s been through a lot. But I’m here to remind you, it’s going to get better. It may not seem like it sometimes but it will.
If you’re new to the show, let me pause and be the first to warn you of my annoying positivity. It’s true. I can’t help it. It’s how I roll and this show is going to be full of it.
To kick off the new year I’m going to talk about getting in the right mindset for the new year. Some things I think you should be aware of and preparing for this year. Plus resources and tools to help you make this year awesome. And it will all be wrapped up with some positivity and a little kick in the pants.
The show notes can be found here:
https://laceylangford.com/podcast/what-i-want-you-to-kn…
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Dec 28, 2020
Investment Strategy and Your Age
Investing isn’t one size fits all. There are many factors that play into an investment strategy. Your age is one of them.
Jeff Link is an Investment Advisor Representative at Guardian Wealth Advisors, LLC and the founder of the BLUE LINE INVESTING® process. He is also the author of Protecting the Pig. Jeff has over 20 years of market experience, with firms like Smith Barney and Legg Mason.
Jeff and I talk about investment strategy and your age. He shares his advice on why your age should be considered, mistakes to avoid when it comes to investing for your age, and resources to help.
The show notes can be found here:
https://laceylangford.com/podcast/investment-strategy-and-your-age/
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Dec 21, 2020
Steps you Can Take to Achieve Goals
We’re getting so close to 2021. Are you ready to start taking action to make your goals reality? Last week I talked with Ron Worley about setting goals. This week, I’m talking with Nelson Tressler on taking action to make your goals happen.
Nelson Tressler is the Founder and CEO of IGOTSMARTER, a goal-achievement program created to help people succeed in every aspect of life. Prior to IGOTSMARTER, Nelson was a top real estate agent, completing well over $1 billion in transactions for his clients and has been named one of Las Vegas’ “Top 40 under 40.”
Nelson’s success and life philosophy come from his unique beginnings. Rape, murder, extreme poverty, and the biggest trail ever to hit his small town were just a few things waiting for Nelson upon his birth. The child of a 15-year-old mother, Nelson’s young life started from behind. The oldest of five children and raised in poverty by an abusive stepfather, Nelson turned resourcefulness and tenacity into a life skill. He pl…
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Dec 14, 2020
How to Set Goals for 2021
I think we can all agree that 2020 has been a roller coaster none of us bought a ticket to ride. Nothing has gone according to plan. I for one can’t wait until the clock strikes midnight on December 31, 2020, and we start fresh with a New Year. Are you setting goals for the New Year? I myself am making big-big plans for 2021. So the next two shows, I’m focusing on how we all can set goals for 2021 and achieve those goals.
The first episode on goals starts with my guest Ron Worley. He’s here to help us all start setting goals for 2021 the right way. Ron’s no stranger to overcoming challenges to meet goals.
Ron L. Worley, II is a self-made millionaire, professional speaker, successful multi-preneuer and fellow podcaster. He launched his career as a licensed bail agent 25 years ago and went on to open 11 other businesses, create four successful retail locations, and founded the Worley Way, a definition of bravery, trust, family, and freedom. Ron has ridden on the edge and lost e…
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Dec 7, 2020
How to Have a Stressless PCS
A PCS will test your marriage, religion, and your sanity. Moving is a hallmark of military life. It’s in the job description. Active-duty service members can PCS upwards of 10 times during their military career. All that transition can be stressful not only for the service member but for the entire family. How can you better prepare for the moves you know are coming?
Christine Carol or better known as C.C. Gallagher is here to talk about how to reduce the stress in your PCS. We trade some of our favorite PCS stories and talk about a tool she developed to help others organize and prepare for their next military move—making it easier and less stressful.
The show notes can be found here: https://laceylangford.com/podcast/stressless-pcs/
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Nov 30, 2020
Getting Settled After the PCS to Charles Schwab
For many of us, going from USAA to Charles Schwab is new territory. We don’t know what to expect. Will we like it? Will they understand me? Will they help me? Schwab is here to answer all of those questions and more.
Danielle Munoz is the Schwab Vice President of Virtual Member Branch. Danielle leads the virtual branch network at Charles Schwab that serves USAA members who’ve recently transitioned to Schwab for wealth management services. And most importantly, she’s a fellow Army brat.
Danielle shares in this show what it looks like from the other side of the transition for USAA members becoming Schwab customers. We talk about what Charles Schwab is like and their core values. We also discuss the preparations Schwab has made to welcome us all, to include the tools and resources they have to help the military community with their investment needs.
You can find the show notes here: https://laceylangford.com/podcast/pcs-to-charles-schwab/
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Nov 23, 2020
The Changing Landscape of USAA Investments (What you Should Know)
If you’re a USAA member, you know there have been some big changes to their investments. If you’re not, you’ve probably heard everyone talking about it.
Many people want to know the down-low on what happened and what the future of USAA investments looks like and how Charles Schwab is part of that future. To get all the deets, I’m doing a two-part series with Charles Schwab and USAA to get you some exclusive information about the transition.
To kick off the series, I’m talking with Mary Stork, the President of the USAA Investment Services Company (ISCO). She also serves as GM of Strategic Investment Relationships, overseeing the Charles Schwab and Victory Capital referral agreements and the day-to-day relationship management of each firm.
We talk about what USAA investments looked like before the changes, why USAA made the decision to change how they provide investment value to their members. Plus Mary shares what it looks like moving forward and what USAA members get out o…
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Nov 16, 2020
TRICARE 2020 - What You Need to Know
Did you know it’s TRICARE Open Enrollment? From now to December 14, 2020, service members and retirees can change their medical care. There have also been some recent changes with enrollment fees. To get an update on everything going on with TRICARE, I’ve gone straight to the source.
Mark Ellis oversees the development and execution of enrollment policies for all TRICARE medical plans. Mr. Ellis served for 22 years in the United States Air Force, the last 15 years as a Medical Service Corps officer.
The show notes can be found here: https://laceylangford.com/podcast/tricare-2020/
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Nov 9, 2020
Investing Mistakes People Make and How You Can Avoid Them
Investing in your future is crucial. Spending less than you make and putting it towards your retirement will make life way easier later. But you don’t want all the hard work to be wasted or eroded. That’s why it’s important to avoid mistakes along the way.
Jeff Wright is a managing director and portfolio manager responsible for wealth management to NovaPoint Capital’s high-net-worth clients. Before joining NovaPoint, Jeff was a Vice President in the Private Banking and Investment Group at Merrill Lynch. And he was a Field Artillery Officer in the Army.
In this show, Jeff shares some common investing mistakes people make, avoid them, and make up for past mistakes.
You can find the show notes here: https://laceylangford.com/podcast/investing-mistakes-people-make/
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Nov 2, 2020
Lacey's Special 100th Episode
I did it, y’all. It’s my 100th episode! In the podcast world, hitting your 100th episode is a milestone and a rite of passage. So it’s a big day for me.
Helping me celebrate this special occasion is Steve Stewart, my podcast editor extraordinaire!
Steve looks back with me on how far I’ve come, what it’s like behind the scenes of my show, and some tips for anyone else thinking of starting a podcast. I also get Steve to admit who his favorite client is.
Then since it’s my 100th episode I’m doing a little variety show. I’ve asked some of my financial friends to share their best money tips in honor of my big podcast day.
You can find the show notes here: https://laceylangford.com/podcast/laceys-special-100th-episode/
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Oct 26, 2020
Tips to Start Preparing for Retirement
The sand in the hourglass is dropping. Sooner or later, you’ll be retiring. Are you ready for it? What steps are you taking to get prepared?
Robert Schulz a CFP® and the author of Thoughts on Things Financial. He is also the founder and president of Schulz Wealth which was named on Investopedia’s list of 100 Top Financial Advisors in 2019 and 2017. And Rob is a Navy veteran.
Rob shares lots of tips to help you start preparing for your retirement right now. We also talk about ways to prepare for retirement even when life throws you some curveballs.
The show notes can be found here: https://laceylangford.com/podcast/start-preparing-for-retirement
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Oct 19, 2020
What You Should Know About Cybersecurity
The military community is well aware of the dangers that lurk online. You get a yearly dose of Cybersecurity Training but are you applying what you learn. Do your spouses and kids know how to protect themselves online?
Lawrence Wagner, an Army veteran and Cyber Security Expert, is sharing details on how you can protect yourself and your family online. We talk about tips and resources you can use to make sure you are cyber smart.
Lawrence is the Chief Executive Officer and Co-founder of Spark Mindset. He teaches summer camps and courses to help break the poverty cycle in low-income urban and rural communities by preparing middle and high school students for cybersecurity careers.
The show notes can be found here:
https://laceylangford.com/podcast/what-you-should-know-about-cybersecurity
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Oct 12, 2020
How to Use Credit Card Rewards Wisely for Big Benefits
Credit cards make me nervous. Not using a credit card responsibly can get you in all kinds of financial trouble. But if you’re responsible and plan properly, there are some big benefits that some credit cards can provide you with rewards.
Spencer from MilitaryMoneyManual .com and I talk about ways you can use credits cards wisely to receive points and rewards that can give you major financial benefits.
Spencer serves as an active duty Air Force officer in Hawaii. He’s investing for financial independence by age 40. His site MilitaryMoneyManual.com shows service members how to travel hack with annual fee waived credit cards and maximize their military benefits.
He shares how to plan and how to get the most out of your credit cards. And also shares who should not be using credit cards for rewards.
Show notes can be found here:
https://laceylangford.com/podcast/credit-card-rewards-wisely/
Here’s how to use credit card rewards wisely for big benefits.
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Oct 5, 2020
How to Plan for Your Payroll Tax Deferral Money
By now you probably have heard that the military will not have their social security-FICA taxes withheld for the rest of 2020. While you may have heard about it, you may not know what to do about it.
To get everyone up to speed quick, I’ve invited Kate Horrell from KateHorrell.com and Daniel Kopp from Wise Stewardship Financial Planning to break down what the tax deferral is and how you can best manage the money for your current situation.
Be sure to check out the show notes at laceylangford.com because it’s packed with resources to help you learn more and navigate what to do.
Click below to get the show notes!
https://laceylangford.com/podcast/plan-your-payroll-tax-deferral
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Sep 28, 2020
What Everyone Should Know About Suicide Prevention (with Garrett Cathcart)
It’s no secret within the military community that suicide is a problem, especially in the veteran community. Since it’s National Suicide Awareness Month, now is a good time to discuss what everyone should know and do to help with the suicide problem within our military family.
I’ve invited Garrett Cathcart, the executive director of Mission Roll Call, to have this meaningful discussion. Garrett is a graduate of the United States Military Academy and a combat veteran, having served as a Cavalry Scout with the Army. His and Mission Roll Call’s entire purpose is to give veterans a voice on issues impacting their lives. And one of those big issues is veteran suicide.
Click below to get the show notes and resources!
https://laceylangford.com/podcast/suicide-prevention/
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Sep 21, 2020
Should You Stay for the Pension? (with Grumpus Maximus)
From the day you join the military, you’re already counting down the days until you are faced with the decision of should I stay in for the pension. Everyone has to decide at some point. But that’s a big choice for everyone and one that can have significant financial impacts. There are also things to consider, like family life, education, future employment, and mental health in your decision.
Grumpus Maximus has a new book out to help you make that decision. It’s called "The Golden Albatross: How To Determine If Your Pension Is Worth It.” Grumpus is a retired U.S. military officer, husband, father, blogger, and first-time author.
In the show, we talk about deciding to stay in or get out of the military.
Want the resources from the show? Use the link below.
https://laceylangford.com/podcast/should-you-stay-for-the-pension/
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Sep 14, 2020
Lacey's Birthday Bash 2020
Welcome to my special Birthday show. Since it’s my special day I want to spend it my way, doing what I want. And if you know anything about me, you know I love positivity and humor. And there are no other humans on this planet that bring me more joy and make me laugh harder than my sisters and my brother. So in honor of Lacey Day, I asked my siblings nicely to be on the show.
Since it’s my party, I’m going to laugh if I want to and we do a lot of laughing in the show while reminiscing about some of our funniest family money stories. You’ll probably take away from this show that we were raised to be responsible for our finances, held accountable for financial mistakes, and taught to live frugally.
Get the show notes and resources below!
https://laceylangford.com/podcast/laceys-birthday-bash-2020/
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Sep 7, 2020
How to Brand Yourself for Success (with Pete Canalichio)
Whether you’re on active duty, retired, working a 9-to 5 job, or are a business owner, you have a brand. It may not be something that’s intentional or planned but like it or not, you’re known for something. That might be hard work, a technical skill, your personality, your positivity, or even your negativity. People have an impression of you, that’s your brand.
Pete Canalichio is an award-winning author of the Amazon #1 New Release, "Expand, Grow, Thrive" and TEDx speaker. He has worked in brand strategy, expansion, and licensing for the past 20 years with companies like Coca-Cola Company and Newell Brands. He is a Navy veteran that has a mission to develop tools, talks, and training designed to inspire, educate and empower his clients to write a better story, and from it, to achieve all that is possible.
Show notes can be found here
https://laceylangford.com/podcast/brand-yourself-for-success/
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Aug 31, 2020
How to Make a Living with a Franchise (with Giuseppe Grammatico)
Once upon a time when I was on active duty, I meet someone who was starting a Subway franchise. Since I had just started my career, planning what I would do after I left the military was the last thing on my mind. Not to mention, I knew nothing about franchises so it was like he was speaking Greek to me. Nowadays more and more service members and spouses are moving into the entrepreneurship space to earn a living on and after duty.
In this show, I’m bringing on Giuseppe Grammatico an expert on franchises to share how people can make a living become a franchise owner. Giuseppe is a franchise veteran, coach & consultant who simplifies the process of franchising and excels at guiding his candidates to the business model that best suits their desired lifestyle. His greatest joy is helping people realize the American dream and sharing the freedom that comes from franchising.
Giuseppe shares the background of franchise ownership, how to learn more, and how to get started.
Get all the re…
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Aug 24, 2020
How to Build Prosperity in Life (with John Soforic)
Lack of money can leave you at the mercy of others. On the other hand, money can give you power, control, and confidence over your life. But how do you build prosperity in your life to gain financial freedom?
In this show, my guest, Dr. John Soforic, and I discuss his book, The Wealthy Gardener. We talk about lessons that can help you live a prosperous life and gain financial freedom.
John was a once chiropractor with 200k in student debt. He retired at 49 with a retirement income of $240,000, then wrote a book for his son in college: The Wealthy Gardener: Lessons on Prosperity between Father and Son. The book became an Amazon bestseller, hit #46 worldwide on audible, and has been translated into 6 languages.
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Aug 17, 2020
Preparing Your Family for Leaving the Military (with Charlene Wilde)
Transitioning out of the military, either separating or retiring, is a life-changing event. Not only for the Service Member but also for their family, who has served alongside during countless moves, deployments, and the constant change associated with military life. Without a plan, this transition can seem overwhelming and stressful, instead of an exciting new opportunity for the whole family. My guest, Charlene Wilde, is here to share some tips to prepare the whole family for a successful and well-planned transition. She has not only the first-hand experience as a veteran but also as a spouse to a soon retiring service member.
Charlene Wilde is the Assistant Secretary of the American Armed Forces Mutual Aid Association (AAFMAA), our nation’s longest-standing military financial services non-profit organization. Charlene is a veteran of the United States Army Chemical Corps.
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Aug 10, 2020
The Shred Method of Getting Out of Debt
Mortgages have become a part of the American life as much as the American dream. For most people, homeownership comes with 15 to 30 years of monthly payments and thousands of dollars of interest paid to banks. My guest is here to share some ideas for other ways to get out of debt. Using the Shred Method, Adam Carroll paid off his home in record time saving over $180,000 in interest in the process.
Adam Carroll has published four books, produced an award-winning documentary on student loan debt, has a TED talk with over 5 million views, and helps people achieve true financial freedom in their lives. More than financial freedom, Adam is all about helping people achieve time freedom, relationship freedom, and service freedom.
You can get the show notes here: https://laceylangford.com/podcast/shred-method-getting-out-of-debt/
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Aug 3, 2020
How to Raise Your Family Money Savvy (with Carol and Doug)
We teach our children their ABCs, arithmetic, and basics of life as they grow to become members of our society but who’s teaching them to be money-savvy? Doug and Carol are joining me to discuss how parents can set their children up for financial success and independence. As Father and Daughter, they bring a unique perspective, providing an inside look on both sides of Carol’s financial education.
The show notes can be found here:
https://laceylangford.com/podcast/how-to-raise-your-family-money-savvy/
Doug Nordman served for 20 years on active duty in the U.S. Navy and retired at the age of 41. He and his spouse, a retired Navy Reservist, reached financial independence in the late 1990s on a high savings rate. He’s the author of “The Military Guide To Financial Independence And Retirement” and founder of The-Military-Guide.com.
Doug’s daughter, Carol Pittner, joined the Navy on a ROTC scholarship and has served around the world on a destroyer and an aircraft carrier be…
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Jul 27, 2020
Money Lessons for Kids (with Sam X Renick)
Sam X Renick discusses how to educate children about money and the importance of sharing the lesson of financial responsibility with them. Sam has created the character, Sammy Rabbit, as a tool to aid parents and a fun way to connect with children as young as three to learn about finances. He will share with us how to influence healthy money habits to set children up for future financial success.
Sam is an award-winning financial educator, children's author, songwriter, and entrepreneur. He is the driving force behind Sammy Rabbit and Sammy's Dream Big financial literacy education strategy. His efforts have been chronicled and quoted by a variety of media, including NPR, MSN, the New York Times, and the Armed Forces Network.
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Jul 20, 2020
Overcoming Homebuying Challenges (with Chris Birk)
Right now, buying a home is choppy water or is it? My guest, Chris Birk, is here to talk to us about the current state of the housing market, details for VA loans, and the impact of the COVID-19 crisis on the industry. He helps us take a closer look at the CARES act and what it means for homeowners during this challenging and unprecedented time.
Chris Birk is the Director of Education for Veterans United Home Loans, the nation's largest VA lender, and author of “The Book on VA Loans: An Essential Guide to Maximizing Your Home Loan Benefits.” Chris’s articles and analysis have appeared at The New York Times, the Wall Street Journal, the Washington Post, Fox Business, and more.
Show notes can be found here: https://laceylangford.com/podcast/overcoming-homebuying-challenges-with-chris-birk/
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Jul 13, 2020
Redefining Your Identity for Civilian Life (with Ben Killoy)
Whether you like it or not, your identity will be in some way redefined when you get out of the military. What will your life be like when you get out? What will be your career path, how will you make money, what will family life be like. Getting out of the military can be challenging but there are also opportunities to make improvements.
In this show, my guest has a mission is to bring military veteran Dads home to their families. Ben Killoy is a U.S. Marine Veteran turned blogger, life coach, speaker, and podcaster. Ben has gone through what most transitioning veterans go through, the feeling of needing to redefine their identity outside of the structure of the military and rediscovering your passion and purpose for life. In this episode, he shares advice on how Dads and Moms can make the transition out in a way that works for them.
You can find the show notes here:
https://laceylangford.com/podcast/redefining-your-identity-for-civilian-life/
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Jul 6, 2020
Is More Education the Answer (with Matt Miner)
Higher Education has become associated as a requirement for success and as a necessity for young adults as they enter society and the workforce. Continuing education is consistently marketed to older adults with flexible, online-only options that promise an increased salary within months. For most this education comes at a cost. According to Pew Research, one-third of adults under 30 have student loan debt. The question becomes is more education worth the investment and the possible years of debt.
In this show, Matt Miner is back to discuss the question of is more education the answer. Matt is a fee-only, fiduciary advisor with PLC Wealth Management providing financial planning to families and individuals making super-important life decisions.
You can find the show notes here:
https://laceylangford.com/podcast/is-more-education-the-answer/
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Jun 29, 2020
How Military Spouse Can Make Money Freelancing (with Lizann Lightfoot)
A challenge that many military spouses face is finding a job that can fit their lifestyles. Between the PCS moves across country or even overseas, to the difficulty of locating childcare at each new duty station; a flexible job is not easy to come by. Freelancing provides a unique opportunity to be your own boss. You get to make your own schedule and focus on writing topics based on your own experiences and interests. The question is how to get started making money.
In this show, my guest Lizann shares her story and tips about becoming a successful freelance writer. Lizann Lightfoot is a Marine Corps wife and mother of 5 children. She has been writing professionally on topics related to the military community for over 4 years and has self-published two books. Her blog, The Seasoned Spouse, receives thousands of visits each month and Lizann’s writing has been published by major outlets such as Military Spouse Magazine and Military Families.
She is sharing her story behind becoming a…
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Jun 22, 2020
Building a Moneywise Marriage (with Weslia & Willa)
The topic of money and budgeting can be a major stressor in marriage. Different backgrounds and views on how to spend and save can easily lead to conflict.
My guests are here to discuss the role finances play in all stages of a relationship and the importance of having a plan. Willa Williams and Weslia Echols are the founders of Trinity Financial Coaching and the Abundant Living Radio Show.
In this show, they share why an understanding of each other's expectations about money isn't just for married couples, but something that couples need to communicate before saying "I Do." Their advice will help you navigate this sometimes sticky subject and make debt reduction and budgeting a joint effort. As with any relationship subject, communication is the key along.
Show notes can be found here: https://laceylangford.com/podcast/build-a-moneywise-marriage/
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Jun 15, 2020
Finding Inspiration for Your Finances (with Andy Wang)
Now more than ever finding inspiration or positivity to get or keep our financial lives on track can be hard. When times are challenging it can be difficult to get refocused.
This show is all about getting reinspired and refocused with your money. There are many different ways to manage, invest, and make money. My guest, Andy Wang knows a lot about finding inspiration for your money. Andy Wang is a Managing Partner at Runnymede Capital Management and host of Inspired Money podcast. He was named by Forbes as a Top 10 Personal Finance Podcast. He has been named among the INVESTOPEDIA 100: Most Influential Advisors, Top 100 Most Social Financial Advisors by Brightscope, and has appeared on Reuters TV, Barron's, and Forbes. In this show, Andy shares a lot of stories and advice to help you get inspired with money.
Show notes can be found here:
https://laceylangford.com/podcast/finding-inspiration-for-your-finances/
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Jun 8, 2020
Budgeting and Money Management Basics [ENCORE with Matt Miner]
Matt Miner breaks down budgeting best practices, how to handle debt, emergency savings, and money management tips.
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Jun 1, 2020
Identity Theft: How to Solve the Mystery (with Axton Betz-Hamilton)
Identity theft isn’t something most of us think about until it happens to us or someone close to us. Having your identity stolen is a scary violation. It’s even worse when it’s someone you love.
In this show, my guest is unfortunately very familiar with identity theft. Axton Betz-Hamilton is an Assistant Professor of Consumer Affairs at South Dakota State University. Her research focuses on financial abuse within families, including familial identity theft and elder family financial exploitation. She’s the author of The Less People Know About Us: A Mystery of Betrayal, Family Secrets, and Stolen Identity, which received the 2020 Edgar Award for Best Fact Crime.
She is sharing the story behind her book and personal experience as a victim of familial identity theft.
Show notes can be found here:
https://laceylangford.com/podcast/identity-theft-how-to-solve-the-mystery/
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May 25, 2020
How to Build Your Best Financial Life [ENCORE with J.D. Roth]
J.D. Roth is an accidental personal-finance expert. In this episode, we’re discussing taking steps to build your best financial life. And my guest knows a thing or two about that.
For many years, J.D. was a typical American consumer and more than $35,000 in debt to show for it. In 2006, he started writing at GetRichSlowly.org in an effort to document his progress as he dug out of debt and learned to build wealth.
Today, he's debt-free. J.D. is dedicated to helping others master their money -- and their lives. And he hopes one day to meet Taylor Swift.
In this show, J.D. and I talk about:
* What living your best financial life looks like
* Steps people should take to get out of debt and build wealth
* Steps you can take to start investing when you’re scared
Plus a whole bunch more.
Today’s game time is my favorite. It was fun to have a game that matches the guest perfectly. I can’t wait for everyone to hear the results!
Show notes at https://laceylangford.com/podcas…
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May 18, 2020
Scout Out Your PCS (with Kellie Artis)
Moving is the way the military rolls. It’s part of the job and we all know it. But sometimes it sucks. Picking up your life and family to move to not only a new city but an entirely different state or country is a lot. It will test your marriage, parenting, and packing skills all at once. The good news is, there's help out there to make the experience a little more enjoyable. And even better, there’s now some free PCS help.
In this show, my guest is a fellow military spouse and MFAN board member. Kellie Artis is the COO of MILLIE, a resource, and service to help the military community through their entire PCS journey.
Show notes can be found here:
https://laceylangford.com/podcast/scout-out-your-pcs/
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May 11, 2020
Traveling on a Dime (with Stephanie Montague)
Traveling is something many of us are only dreaming about right now. COVID-19 has really thrown a wrench in all of our summer travel plans. The episode you are about to hear was recorded way before the craziness of COVID set in. We may not be able to travel right now, but we can start doing the research and prep now to save us money later.
My guest today is Stephanie Montague, the founder and President of Poppin' Smoke, a website dedicated to helping members of the military community take advantage of their travel-related benefits. In the show, she breaks down how it all works, best practices to follow, plus mistakes to avoid. Plus other ways to save money on travel in the military.
Show notes can be found here:
https://laceylangford.com/podcast/traveling-on-a-dime
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May 4, 2020
Military Financial Advisor Association (with Daniel Kopp)
Helping the military community with money is something many people have a passion for, but often they don’t have experience with the military way of life. Which let’s face it until you’ve lived it, you won’t truly understand it.
Now there’s a new group of experienced professionals that have answered the call of many to have a pool of financial experts to help the military community with money advice.
Today’s guest is Daniel Kopp, the founder of Wise Stewardship Financial Planning, where he helps young widows and widowers, as well as servicemembers, get their financial lives in order by aligning their money with their values.
Daniel is back on the show to share a fantastic announcement and some powerful money advice for navigating these crazy times.
Show notes can be found here.
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Apr 27, 2020
Ditch The Debt and Save Money
It’s as good a time as any to talk about debt. It’s the side of money that’s polarizing and popular at the same time. If you aren’t careful with it though, you can easily end up on the dark side of debt.
Saving by paying down debt is the theme for this week which is the last week of Military Saves Month 2020.
In this show, I’m going to give you the down-low on debt. What you should know and do about debt. Plus some tips to handle it so you can start saving more money and build up your wealth.
Show notes can be found here.
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Apr 20, 2020
The Power of Saving with a Plan (with Angela Caban & Lila Quintiliani)
There's power in saving with a plan. Saving with a plan allows you to have control over your money, and it helps you reach your financial goals. Plus, creating and following a plan for your savings is simpler than you think. You can put the level of detail that works best for you. It's week four of Military Saves Month 2020, and we're sticking with this week's theme, Save with a Plan.
My guests are the dynamic duo behind Military Saves. Today I am talking with Angela Caban, the director of Military Saves and Lila Quintiliani, the Program Director for Military Save about saving with a plan. As always, I had a great time talking with Angela and Lila about saving money. They share some great tips and resources to help you create a plan to save money.
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Apr 13, 2020
Surviving the Unexpected: COVID-19
Everyone is feeling the impacts of COVID-19 in some shape or form. As you may know, I planned a series of shows around the themes for Military Saves Month 2020 which is happening now.
This week’s theme is “Save for the Unexpected.” I can’t think of a more timely subject to COVID-19 because what’s going on in the world right now is unexpected. Who could have predicted this would happen to us all.
As a financial coach, I want to help you weather this storm in the best possible way. So today I’m going to give you some financial coaching tips to help you survive and save the unexpected, A.K.A COVID-19.
Show notes can be found here.
https://laceylangford.com/podcast/surviving-the-unexpected/
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Apr 6, 2020
Saving for Retirement with IRAs (with Adrienne Ross)
Saving for retirement is something everyone should be doing. There’s different methods to get results for your retirement savings. One of those methods is with IRAs or Individual Retirement Accounts.
This is the second week of Military Saves Month for 2020 and we’re sticking with this week’s theme, Save to Retire.
My guest, Adrienne Ross, the founder of Clear Insight Financial Planning is here to talk about what IRAs are, how they work, and how to get started or improve your retirement savings.
The show notes can be found here:
https://laceylangford.com/podcast/saving-for-retirement-with-iras/
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Mar 30, 2020
Saving Automatically with Banking (with Andia Dinesen)
Today kicks of what used to be Military Saves Week but is now, Military Saves Month. Each week there is a theme to bring awareness to the importance of spending less than you make and saving money.
My guest today is here to talk about ways to save automatically using banking. Andia Dinesen is not only a fellow milspouse and AFC, but she’s also the Executive Vice President for Communications and Operations for the AMBA. We have a great conversation about the importance of setting your savings up to be automatic.
Show notes can be found here
https://laceylangford.com/podcast/saving-automatically-with-banking/
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Mar 23, 2020
What Mommy Does With Money (with Lena Gott)
Often, Mom’s are ground zero for money management in their household. They’re trying to juggle family, making money and, making a dollar stretch as far as it can go.
My guest today knows a thing or two about being a Mom and balancing making and saving money. Lena Gott is a CPA turned stay-at-home-mom of three. She is the lady behind the uber-successful blog, What Mommy Does and her courses at Adventures in Blogging help other Moms make money from home blogging.
Show notes can be found here
https://laceylangford.com/podcast/what-mommy-does-with-money-with-lena-gott/
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Mar 16, 2020
Understanding the Financial Professionals Playing Field (with Andrea Clark)
You know you need help with money but who do you get help from? A financial counselor, a financial coach or a financial planner? That’s what we are talking about today. The difference between all of them and how they can each help you with money.
My guest today Andrea Clark is a Certified Financial Planner™ and Accredited Financial Counselor®. She is an Air Force spouse of 28 years, a recovering homeschool mom and engineer who has spent the last 10 years as a military personal financial counselor. She founded The Table Financial Planning in 2017 to offer virtual services to military families on their financial planning journey.
You can find all the show notes here.
https://laceylangford.com/podcast/the-financial-professionals-playing-field/
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Mar 9, 2020
Practical Wealth Building (with Rocky Lalvani)
Many people don’t see building wealth as a possibility for themselves. And if they do, many feel that it’s something they will work on later in life. But building wealth can be similar than you think and you should start sooner than you think.
My guest today is here to talk about building wealth in a practical way. Rocky Lalvani is not only a friend and fellow podcaster, but he’s also a financial expert who helps entrepreneurs and small business owners grow their businesses, profitably. He’s the creator and host of Richer Soul, a podcast about life beyond money. The show helps people find harmony with health, wealth, time, relationships and spirituality.
Show notes can be found here https://laceylangford.com/podcast/practical-wealth-building/
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Mar 2, 2020
How to Flip the Switch and Find Financial Security (with Dr. Barbara O’Neil)
Leaving full-time employment to enter retirement is a big transition in most people’s mindset and behavior. Especially Baby Boomers who may have always had a full-time job or for career military people who know nothing different than the military. There are many factors that go into preparing for retirement or flipping the switch like changing from saving to spending or going from full-time work to finding how you like to spend your days.
My guest today is here to help you prepare for some of the 35 financial, lifestyle, and social transitions you'll encounter upon entering retirement. Dr. Barbara O’Neil is the owner/CEO of Money Talk: Financial Planning Seminars and Publications where she writes, speaks and reviews content about personal finance.
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Feb 24, 2020
How Your Finances Impact Your Security Clearance
Today I want to talk about something that many service members don’t understand until it is too late. And that is your security clearance and the impact your personal finances have on it. Many military spouses are also not aware that their financial behavior can be impacting their spouse's clearance.
Here’s what I want to go over so you’ll be able to avoid some issues or help someone else avoid in the future.
You can get all the details about the show at https://laceylangford.com/podcast
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Feb 17, 2020
Preparing to Buy a Home with Chris Birk [ENCORE]
I’m not going to lie, preparing to buy a home is something more people should do. Research and planning will go a long way to save you time, money and heartache. Unfortunately, many people are winging it.
My guest, Chris Birk is here to help prepare us all on buying a home with a VA Loan. If you're a seasoned home buyer or looking to buy your first home, this is a valuable show for you. Chris shares what most people miss when buying a house and tips for being successful at it.
Chris Birk is the Director of Education for Veterans United Home Loans, the nation's largest VA lender, and author of “The Book on VA Loans: An Essential Guide to Maximizing Your Home Loan Benefits.” Chris’ articles and analysis have appeared at The New York Times, the Wall Street Journal, the Washington Post, Fox Business and more.
Preparing to Buy a Home Episode Details
* Why it’s important for people to begin home buying when they’re ready
* Buying homes for the wrong reason, keeping up wi…
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Feb 10, 2020
One Income Living For Military Couples
The underemployment and unemployment struggle for military couples is real! Military life makes it challenging for spouses to maintain qualified employment. The roller coaster of having and not having a second income is challenging to your quality of life and mental health. This is why military couples should focus on living off one income while they're in the service. Living off of one income helps with:
* Under and Unemployment for Military Spouses
* Budgeting Consistency
* Emergency Savings
* Quality of Life Builder
For more information, visit the show notes at https://laceylangford.com/podcast
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Feb 3, 2020
Getting Organized for Financial Success (with Christa Curtis)
When your house is cluttered and unorganized, it makes it hard to focus. The details of your life like finances get lost in the shuffle.
But when your house is organized, you find calm in the chaos. Calm, cool, and collected is how you want to be to manage your financial life. Being organized means, you’re able to focus on the details because you can see them clearly.
My guest today is here to share advice on how to get your house organized and in order. Christa Curtis is not only a Navy spouse and mom of four. She’s an organizing professional and founder of Permanent Change of Storing, an organization service that specializes in military family lifestyle.
I have to warn you. I was excited to talk about getting organized with Christa, so I may have let out too many secrets about how I like to “magically” get my house clean.
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Jan 27, 2020
Beyond the Military: The Handbook for Warrior Reintegration (Dr. Shauna Springer and Jason Roncoroni)
Beyond the military is hard. That’s the cold hard truth. It’s a major transition that many aren’t fully prepared for. If only there was some type of guide or resource that could help the service member and their spouses through the process. There is now!
I have two special guests today, Dr. Shauna Springer and Jason Roncoroni here to talk about a new resource to help with reintegration.
Jason Roncoroni is a retired Lieutenant Colonel and former aviation battalion commander from the United States Army. He is the founder of Ordinary Hero Coaching, Inc. where he helps prepare transitioning leaders for meaningful opportunities after military service.
Dr. Shauna Springer is a licensed psychologist and nationally recognized expert on initiatives that benefit the military community. She has personally helped hundreds of warriors reconnect with their tribe, strengthen their relationships, and build lives driven by their values. Dr. Springer’s work has been featured on NPR, NBC, CBS…
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Jan 20, 2020
Next Level Finance: College Saving & Mortgage Payoff (with Matt Miner)
You’ve been spending less money than you make, build up your emergency fund. You’re saving for retirement. Now what? What are the next steps you should take with your money to get to the next level? That’s what today’s show is about.
Matt Miner is back for part three of my back to basics series. Matt is a fee-only, fiduciary advisor with PLC Wealth Management providing financial planning to families and individuals making super-important life decisions.
In part one of the series, Matt and I talked about budgeting and money management basics in episode 81. Last week we talked about salary and benefits in episode 82. This week Matt shares advice on taking your money to the next level by doing things like saving for your children’s education, paying off your mortgage and building a better quality of life.
Show notes
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Jan 13, 2020
Understanding Your Salary and Benefits (with Matt Miner)
The amount you get paid and the benefits you receive as an employee are the foundation of your income. Negotiating the best possible salary and understanding and fully utilizing your employee benefits can have a significant impact on your finances.
Matt Miner is back today for part two of my back to basics series. Matt is a fee-only, fiduciary advisor with PLC Wealth Management providing financial planning to families and individuals making super-important life decisions.
Last week Matt kicked off the new year by refreshing us on budgeting and money management in episode 81.
In today’s show, Matt is sharing best practices on negotiating salary, understanding your retirement plan plus all of your benefits like HSAs and FSAs.
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Jan 6, 2020
Budgeting and Money Management Basics (with Matt Miner)
Happy New Year! A new year means it’s time for a new beginning. To get everyone's year off to the best financial start. I’m starting the 2020 Military Money Show season off with a back to basics series. I have three shows planned to go over topics like budgeting and money management, salary and employer benefits, and how to take your finances to the next level in 2020. The goal is to give you a review or understanding of core financial elements to handle early in the year to set yourself up for success.
I’m happy to have my guest, Matt Miner for the series. Matt is a fee-only, fiduciary advisor with PLC Wealth Management providing financial planning to families and individuals making super-important life decisions. Matt is lives in North Carolina with his wife and children.
In today’s show, Matt breaks down budgeting best practices, how to handle debt, emergency savings, and money management tips.
Show notes
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Dec 30, 2019
What to Expect With the Economy for 2020 (with Robert Frick)
The end of the year is here. A lot has happened with the economy in 2019 that probably impacted your personal finance. The new year will be no different, the state of the economy will impact your personal finances in some way.
My guest today is here to review with us what happened with the U.S. economy in 2019 and to talk about what’s to come in 2020.
Robert Frick is back by popular demand. Robert is Navy Federal’s corporate economist. In addition to economics, Bob is an expert in personal finance, having worked as an editor at Kiplinger’s Personal Finance magazine for 15 years, and also is an expert in behavioral economics or the study of people’s behaviors surrounding money. If you haven't heard it yet, Bob was in episode 59 where we talked about developing good financial behaviors.
In this show, we talk about what’s coming in terms of what the market will be like in 2020, how it will impact jobs and spending and what that will look like for the military community.
Show…
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Dec 23, 2019
Lacey’s Look Back 2019
The sun is setting on 2019. The year is almost over and done. If you’re like me, the past year has been a mix of some highs and lows and some so-sos.
We’re moving into 2020, and the new year that will bring new goals, opportunities, and challenges.
Right now is the perfect time of the year to begin planning for 2020. And the best way to make the most of the new year is to look back or review your actions (or lack of actions) from 2019 to see what you did well, what you could have done better. And what you could have done without.
Gaining a holistic view of your year past will give you valuable intel going into 2020 to better set, plan and execute your goals. It will also help you identify areas you need to let go of or not waste your time on.
To give you a little kick in the pants and some inspiration to get your 2019 Lookback done, today I am going to share mine.
I’m leading the way, so here is my 2019 review. What I have done and what I have failed to do personally and pro…
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Dec 16, 2019
Understanding Funds for your TSP and 401k (with Daniel Kopp)
Saving for your retirement is important. Many times people put off making decisions because they don’t know or aren’t sure. One part of the delay could be because you may not understand the difference between an index fund vs a mutual fund vs an ETF.
My guest today is here to break down the differences, their uses, and some best practices when it comes to understanding funds.
Daniel Kopp is a fee-only, fiduciary financial planner and founder of Wise Stewardship Financial Planning where he helps young widows and widowers, as well as servicemembers, get their financial lives in order by aligning their money with their values. He is also a fellow Air Force veteran.
This is a great show to understand the different types of funds for your TSP to save for your retirement and it’s also a great show for experience savers to review the whole fund playing field.
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Dec 9, 2019
How To Use Technical Analysis for Investing (with David Keller)
Investing can be intimidating for people. Most of us know it’s not something you should go into without preparation. But some people aren't aware they are tools they can use to research and make informed decisions about buying stock. Instead of throwing a dart at a dartboard.
Today’s show is about using technical analysis to help with your investing decisions. But do not let the words "technical analysis" scare you away.
My guest today is giving us a tech analysis 101 class. David Keller is a Chartered Market Technician and is the Chief Market Strategist at StockCharts.com, where he helps investors minimize behavioral biases through technical analysis. He is also President and Chief Strategist at Sierra Alpha Research, a boutique investment research firm focused on managing risk through market awareness. And David was formerly a Managing Director of Research at Fidelity.
In the show we discuss:
* How investing is like flying
* The three things people should consider when in…
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Dec 2, 2019
How to Cover Christmas This Year (Military Style)
It’s that time of year again. It comes every year, but many of us aren’t prepared when it comes to covering the costs of Christmas and the holiday season.
In honor of Cyber Monday, I thought I’d talk about how to cover the costs of the holidays.
In this episode, I’m going to break down the importance of understanding your spending limits, how to create a game plan for your spending, and how to cover costs of holiday extras like parties and travel. Plus, what to do when you have no money for Christmas. And I’m going to talk about some ways you can make a little extra money to pay for holiday costs.
Covering Christmas Episode Details
* Understanding and setting your holiday spending limit
* How to create a holiday plan
* Finding the best time to holiday shop
* Using military shopping discounts
* What to do when you have no money for Christmas
* How to make money during the holidays
* The power of saying “no”
* Back up gifts that don’t break the bank…
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Nov 25, 2019
How to Build Your Best Financial Life (with J.D. Roth)
In this episode, we’re discussing taking steps to build your best financial life. And my guest knows a thing or two about that.
J.D. Roth is an accidental personal-finance expert. For many years, he was a typical American consumer and more than $35,000 in debt to show for it. In 2006, he started writing at GetRichSlowly.org in an effort to document his progress as he dug out of debt and learned to build wealth. Today, he's debt-free. J.D. is dedicated to helping others master their money -- and their lives. And he hopes one day to meet Taylor Swift.
In this show, J.D. and I talk about
* What living your best financial life looks like
* Steps people should take to get out of debt and build wealth
* Steps you can take to start investing when you’re scared
Plus a whole bunch more. I really enjoyed my discussion with J.D. and how open he was with his advice and thoughts.
Today’s game time is my favorite. It was fun to have a game that matches the guest perfectly. I can’t…
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Nov 18, 2019
How to Make Money House Hacking (with Craig Curelop)
Buying a house doesn’t have to break your bank. There are many ways to do it in a financially smart. And one of those ways is house hacking.
My guest today is Craig Curelop (aka the FI Guy). He’s the author of The House Hacking Strategy-How to Use Your Home to Achieve Financial Freedom. Craig is also a real estate agent, investor, and works at BiggerPockets.
In this show, Craig shares advice on how to use house hacking to build wealth, what you need to know to get started, how much money you need, how to manage a property plus a bunch more.
Show notes
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Nov 11, 2019
Your Money and Military Service (with Amanda Huffman)
Today is a special day to honor those who have served in the armed forces so Happy Veteran’s Day to all my fellow Veterans.
In honor of Veteran’s Day, I’m bringing on a fellow Veteran to talk about the highs and lows of military service, how to prepare for separating from service and what more Servicemembers should know about money.
My guest today is Amanda Huffman. She is a and Air Force Veteran and the founder and host of the Women of the Military podcast. Amanda served six years as a Civil Engineer including a deployment to Afghanistan. She traded in her combat boots for a diaper bag to stay home with her two boys and follow her husband’s military career. On her podcast, she interviews women who have served or are currently serving in the military.
Show notes
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Nov 4, 2019
Behind the Scenes of Government Contracts and Veteran Business (with Gerri Detweiler)
The military community works hard for the expertise they have. And rightfully so, wants to be paid for what they do and know. But building a business isn’t easy. The money has to come in. Sometimes, in the beginning, that can be through financing, but you can also bring in money by getting government contracts.
Gerri Detweiler is on the show today to school us up on all the details of financing and government contracts. If this is new to you, no worries, it’s a subject I’m learning more about too. So we’re in it together.
Gerri is a nationally recognized business credit and financing expert. She’s the Director of Education at Nav, a fin-tech company that provides business owners with free access to business credit reports and matches them to their best financing options. Gerri is also a board member of Heroes At Home, a non-profit organization dedicated to financial literacy for members of the military and their families.
Government Contracts and Veteran Business Episode D…
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Oct 28, 2019
How To Best Manage Your Business Finances (with Sylvia Inks)
Manging your life has something in common with managing a business—money. You have to manage money when you own a business.
But business finances are a little different than personal finances. There are things to consider like paying quarterly taxes, bookkeeping and keeping your personal and business finances separate. If you haven’t done it before it can be easy to get off on the wrong foot. But even if you’re seasoned at managing your business finances there may be some ways you could improve.
My guest is a business finance expert, Sylvia Inks. In this show, she discusses how to best manage your business finances.
If you don’t know Sylvia, she’s a business financial coach and founder of SMI Financial Coaching. Her bestselling book, Small Business Finance for the Busy Entrepreneur - A Blueprint for Building a Solid, Profitable Business, has helped new and seasoned business owners get organized, use the right tools to manage their finances, make better business decisions b…
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Oct 21, 2019
How to Start Smart Shopping with Trae Bodge
Spending money is something we all do. There are things we want or things we need to buy or things we don’t want to buy but must. Needing or wanting to spend money doesn’t mean you throw cash to the wind.
It’s important to be smart about your spending. My guest today, Trae Bodge is here to help us all use smart shopping to get the things we need and want.
Trae is an accomplished lifestyle journalist and TV commentator who specializes in smart shopping, personal finance, lifestyle, parenting, and retail.
Smart Shopping Episode Details
* Understanding what smart shopping is
* How to get better deals in-store and online
* The pros and cons of buying quality vs. quantity
* What items are better to buy for quality
* The “runners high” of getting a good deal
* Resources you can use to be a smart shopper
* How to distinguish between what is truly a good deal vs what is marketing
* The best times to buy what
* Smart shopping ideas for the holidays
Show notes
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Oct 14, 2019
From Navy to NASCAR with Jesse Iwuji
How would you like to play professional football or drive for Nascar or do the thing you are dreaming of? Well, that’s what my guest today did.
Jesse Iwuji is here to talk about how he first went after his dream of playing football for the Naval Academy. Then how he went after his dream of driving a race car.
We discuss the work that went into making it happen plus the money side of making your dreams come true.
Jesse is a professional stock car racing driver, an officer in the United States Navy Reserve and an entrepreneur. He currently competes in the NASCAR Gander Outdoors Truck Series in the No. 34 for Reaume Brothers Racing. Jesse is one of three African-American drivers actively competing in a NASCAR series.
Show notes
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Oct 7, 2019
How to Get Military Family Support with Shannon Razsadin
Military life has its ups and downs. There are some amazing perks to serving in the military. But there can also be some drawbacks like crappy military housing or time apart or financial hardships. Most of the time we just suck it up and deal with it. But there is a way to not only have your comments and concerns heard but something to actually be down about them.
My guest is here to talk about how military families can get the support they need and want.
Shannon Razsadin is a Navy spouse, mom, and the Executive Director of the Military Family Advisory Network (MFAN).
MFAN is a national nonprofit that uses a unique peer influencer model to deliver scientific research, implement cutting-edge communications strategies, and drive community outreach and collaboration. This work enables MFAN to deliver data-driven solutions to military families for maximum and measurable positive impact.
Shannon and I discuss what the Military Family Support Programming Survey is and how it makes a rapi…
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Sep 30, 2019
Military Transition Preparation with Scott Tucker
Getting out the military today isn’t like it was for your grandparents. Technology, innovation, and support for the military community have made opportunities and guidance are endless. The problem is many Servicemembers and their families are not taking the time necessary to plan plus many people are not aware of the different paths they can take advantage of.
My guest today Scott Tucker is here to talk about the different approaches available for the military community when it comes to transitioning and retiring from the military.
Scott R. Tucker is an Author, Speaker, and Founder of US VetLife/US VetWealth, a lifestyle and financial consulting brand that helps service members go from paychecks and government benefits to wealth and liberty. He is a West Point graduate, military financial expert, and entrepreneur.
Military Transition Preparation Episode
* The different approaches to retirement
* Finding your own path when you leave the military
* Using LinkedIn for persona…
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Sep 23, 2019
Preparing to Buy a Home with Chris Birk
I’m not going to lie, preparing to buy a home is something more people should do. Research and planning will go a long way to save you time, money and heartache. Unfortunately, many people are winging it.
My guest, Chris Birk is here to help prepare us all on buying a home with a VA Loan. If you're a seasoned home buyer or looking to buy your first home, this is a valuable show for you. Chris shares what most people miss when buying a house and tips for being successful at it.
Chris Birk is the Director of Education for Veterans United Home Loans, the nation's largest VA lender, and author of “The Book on VA Loans: An Essential Guide to Maximizing Your Home Loan Benefits.” Chris’ articles and analysis have appeared at The New York Times, the Wall Street Journal, the Washington Post, Fox Business and more.
Preparing to Buy a Home Episode Details
* Why it’s important for people to begin home buying when they’re ready
* Buying homes for the wrong reason, keeping up wi…
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Sep 16, 2019
No Filter Finance at FINCON19 with Rich Jones
Live podcast recording is exciting. That’s why I’m pumped about today’s episode. It’s another round of No Filter Finance recorded LIVE at FINCON19 via the NEFE recording booth. In this show, I had the opportunity to talk with my friend and fellow podcaster, Rich Jones from the award-winning podcast, Paychecks, and Balances.
We talk about how to handle financial mistakes, what can help most with money, how to make money management easier, plus a ton more. It was wonderful to have this unfiltered finance discussion with Rich.
In this show:
* What everyone should know about money
* How to handle financial mistakes
* Tips to start investing for your future
* What Rich does that makes it easier to manage your money
* Financial do-overs
* The one thing Rich did with money that helped the most
Show notes
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Sep 9, 2019
Money and Mentorship for Veteran Businesses with Seda Goff
Finding a mentor to help guide you in business can be hard to come by but finding both money and mentorship at the same time is rare. That’s why when I heard about The PenFed Foundations, Veteran Entrepreneur Investment Program (VEIP), I knew I had to talk about it on my show.
My guest, Seda Goff is the Director of Entrepreneurship at VEIP. In this episode, we talk about the state of entrepreneurship in the military community, what VEIP is and how the program could give you a leg up in business.
Show notes
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Sep 2, 2019
No Filter Finance With Chris Browning
Sometimes what we talk about in public doesn’t 100% mirror what our reality behind closed doors. Especially when it comes to money life.
In today’s show, we are talking about finances unfiltered. My guest, Chris Browning from Popcorn Finance recorded this special episode with me live at Podcast Movement. While we were sharping our podcast skills in Orlando, we had a quick, fun and unfiltered discussion about finances and what people should really know about money. It’s money real talk.
Chris Browning is a financial expert specializing in revenue analysis. He’s also the creator and host of the Popcorn Finance podcast. His show was last year’s Plutus Award winner for Best New podcast.
In this episode:
* Finding the positive in money: what you do well
* Paying bills on time
* Handling bills on the spot
* Financial weaknesses
* Controlling food spending
* Food preparation to save money
* The value of budgeting
* Finding what motivates you to improve your finan…
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Aug 26, 2019
Investing for Millennials With Erin Lowry
Investing can be a little scary or a lot scary depending on how you feel about it. The terminology alone can stop people from starting. Today my guest, Erin Lowry, The Broke Millennial is here to talk about her second book Broke Millennial Takes On Investing: A Beginner's Guide to Leveling Up Your Money.
In this show, Erin shares advice on getting started without all the stress and fear. Plus the tools and resources to help you avoid mistakes.
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Aug 19, 2019
How to Make Money With Etsy Printables | Julie Berninger
If you didn’t know it, you can make a ton of money online. I’ve interviewed many people that do it. But I didn’t know you could make money selling printables. That is until I heard about Julie Berninger.
Today I’m talking with one half of the dynamic duo behind Gold City Venture, Julie Berninger to learn all about how to make some part-time or full-time money-making Etsy printables.
Julie Berninger is a 30-something pursuing financial independence living in Seattle, WA. She hosts a podcast where she interviews people with creative methods of pursuing financial independence, Fire Drill. She blogs about millennial personal finance at millennialboss.com. She also created a course that teaches people how to develop passive income streams by selling printables on Etsy, blogging, and freelancing at GoldCityVentures.com.
The show notes!
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Aug 12, 2019
The Free Financial Resources Available to Military
I have a goal to make the military community well versed on the resources available to them. Since I’ve talked about people not being aware of what’s out there to help them with money. I’ve decided to be part of the solution instead of whining about it.
In today’s show, I want to share all the resources I know that can help people in the military community with money.
Show notes
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Aug 5, 2019
Being on Your Best Financial Behavior With Robert Frick
You can have all the financial knowledge in the world but if you aren’t taking action on that intel or keeping healthy financial habits financial success might be hard to come by.
I’m talking with an expert in not only the area of behavioral finance but also in economics to discuss ways to improve your financial behavior to have financial success.
Robert Frick is Navy Federal’s corporate economist. In addition to economics, Bob is an expert in personal finance, having worked as an editor at Kiplinger’s Personal Finance magazine for 15 years, and also is an expert in behavioral economics or the study of people’s behaviors surrounding money.
In this episode:
* The role self truths play in your financial success
* How to gain self-awareness to improve your financial behavior
* Resources and techniques to help with poor financial behaviors
* The relationship between your financial and general behaviors
* How to strengthen your good financial behavior
* The role yo…
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Jul 29, 2019
Understanding VA Loans With Bryan Rodriguez
VA Home loans are one of the perks of military service but if you haven’t used one before or bought a home before, the process can be like drinking through a firehose.
My guest today, Bryan Rodriguez, a real estate investor who served in the Army, is here to talk about understanding VA home loans and the process of getting started. He also shares a crazy story about a murder in the wholesale business. I won’t spoil it but in this episode I finally have proof of Servicemembers buying Dodge Chargers!
In this episode:
* Bryan’s wholesaling experience that led to a murder
* How to use VA loans
* New rules for VA loans under the Trump Administration
* Understanding the Funding Fee
* VA Disability and the Funding Fee
* Starting the process of getting a VA loan
* Getting the most out of your loan
* VA home loan mistakes to avoid
* Ways to be a responsible homeowner
Show notes
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Jul 22, 2019
The Finances of Infertility With Laura Coleman
Infertility impacts many Servicemembers and their spouses. Not only does it impact there life and marriage it has financial impacts as well. I'm bringing in a subject matter expert to learn more about the finances of infertility and ways you can get financial help.
My guest today is Laura Coleman. She is a Tennessee-based Accredited Financial Counselor who helps couples prepare financially for fertility and adoption. She shares a lot of great resources and tips in our discussion.
In this episode:
* Laura’s personal experience with adoption and infertility
* The average costs of infertility and adoption
* Costs of IUI vs. natural cycle IVF vs IVF
* The myths and benefits of Foster Care
* Fundraising for fertility treatment costs
* Upfront costs
* Infertility and Adoption grants
* Common mistakes in the process
* Marriage stress from infertility and how to cope
* What to do when you have debt
* What Tricare and the VA cover
Show notes
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Jul 15, 2019
The Realities and Resources of Business with Mark Rockefeller
Today is the fifth and final part of my military entrepreneurship series. If you’re joining the show for the first time, I have been interviewing entrepreneurs experts from within the military community to discuss resources, funding, product, and service-based businesses, making money in the blogging business and a whole bunch more. So be sure to check out episodes 52-55.
Today my guest, Mark L. Rockefeller is here to talk about the realities of business plus some additional resources you can use to start, fund and get coaching for your business.
If you don’t know Mark, he’s the CEO & Co-Founder of StreetShares, which is America’s leading Fin-tech company focused on the military and veterans’ community. He’s also the Chairman of the StreetShares Foundation, which provides resources, coaching and grant funding to military-community-owned small businesses.
Episode Highlights
* What is Streetshares?
* The Streetshares Foundation’s mission
* Advice for starting a b…
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Jul 8, 2019
Getting Started in the Blogging Business with Ryan Guina
Blogging can be big business. There’s money to be made if you create valuable content that people can find. Often because it’s a virtual business blogging or website management gets discounted as a viable business but today’s show is going to make it clear, you can have a profitable blogging business.
Today is part 4 of my military entrepreneur series. In part 1, episode 52, Jen Pilcher founder of Military OneClick and CEO of Patriot Boot camp came on to discuss the basic training of Veteran and Milspouse entrepreneurship, PBC. In part 2 which is episode 53, Nick Bradfield came on to discuss Bunker Labs. In part 3, episode 54 I talked with Brandon Shelton from TFX Capital about business funding options.
My guest today, Ryan Guina is one of the most well know military money bloggers. In this show, he is sharing what blogging really is, how to get started at it and make money. Ryan also shares some of the common mistakes to avoid in blogging and the finances behind running a blog…
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Jul 1, 2019
Understanding Your Business Funding Options With Brandon Shelton
You want to start a business but how are you going to pay for it? What type of business are you going to start? Is a service-based business? Or is it a product based business.
My guest today is here to break down your business funding options and the business types they work best for. This is the third part of my series on military entrepreneurship.
Brandon Shelton is a strategy leader, a problem solver and a relationship builder. He led the grassroots effort that became Task Force X, a driven network of experts and advisors that evaluate talent and develop entrepreneurs and businesses. A veteran entrepreneur himself, Brandon first founded T2 Growth Advisors to help teams design and activate strategic frameworks to reach their goals.
Brandon developed his financial, strategic and operational skills through various experiences in high intensity and change environments from the military after 9/11 to Wall Street in 2008. Using military principles, Brandon helped client teams grow whil…
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Jun 28, 2019
Making Money Online With Cody Berman
It’s never been easier to make money online as it is now. But for many of us, making money online and from home is new territory. Most people have traditional jobs that require them to leave home to earn a paycheck. There are ways to earn a paycheck at home through blogging, freelancing or even making printables to sell on Etsy.
Today is a special bonus episode of The Military Money Show which I have not done before but I thought it would be a great way to end out June.
To talk about making money online I have a special guest Cody Berman. Cody is a 23-year-old entrepreneur and side hustle expert. He is the co-founder of Gold City Ventures, creator of the Side Hustle Course, co-host of The FI Show, and blogger at Fly to FI. In his spare time, he enjoys travel, weightlifting, and playing sports.
In this episode, Cody and I talk about how to get started making money online, easy places to start, and his new side-hustle course.
Also in this episode:
* The experience you may or may…
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Jun 24, 2019
Connecting to Your Local Military Entrepreneur Community Nick Bradfield
Help for the military entrepreneurship community isn’t far from home. That help is Bunker Labs. This show is part 2 of my military entrepreneurship series.
My guest, Nick Bradfield is the Atlantic Region Experience Director for Bunker Labs. He is a Dad. Hubbie. Marine, recovering FinTech Entrepreneur, and an angel investor. Nick Bradfield has spent his career honing the leadership traits taught in the military; technical skills learned via formal education, and business acumen acquired on-the-job in the financial services and technology sectors.
In this episode, we’re talking about what Bunker Labs is, who it’s for and how this free resource can help in your business. Plus we talk about finding entrepreneurship help in your local community.
Show notes
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Jun 17, 2019
The Military Entrepreneur's Guide to Patriot Boot Camp with Jen Pilcher
Today starts the entrepreneurship series I'm doing on military entrepreneurship. There are a lot of people thinking about starting a business but don't know where to start or the help the can get to start a business.
In this series, I’m going to be talking with entrepreneur experts from all over the military community. We’ll be talking about how to get training to start your business, how to pay for your business and the different types of businesses you can start plus a bunch more.
My guest today, Jen Pilcher is here to help me kick it all off. Jen Pilcher is the CEO of Patriot Boot Camp and the founder of MilitaryOneClick and Milspousefest. She is one of the nation’s foremost thought leaders on engaging the military and veteran communities. Through 15+ years of marketing and media experience and as a Navy spouse, she develops outreach programs and authentic content that empower the lives of service members, veterans and military spouses.
Jen and I talk about what Patriot Boo…
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Jun 10, 2019
How To Side Hustle For Extra Money with Philip Taylor
Extra money is something most people want but why they want it can vary. It could be because they want to do things, buy things or it could be to save and invest money. It could also be to get out of debt or pay off a debt in collections. No matter your reseasoning, side hustling for extra money could be a new venture for you. One that you may not know where to start or how to overcome some barriers to make it happen.
My guest today is here to help with that. He is a part-time money expert.
Philip Taylor is a CPA, blogger, podcaster, and the entrepreneur mastermind behind FINCON and ptmoney.com.
In this episode, PT and I talk about what side-hustles are, where to begin, how to find one, balancing a side hustle with a full-time job, and with family life. Plus PT shares resources to help you learn more about side hustles and how to find them. If you are looking to find a way to make some extra cash, this is going to be a fantastic episode for you.
And don’t forget to stick around f…
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Jun 3, 2019
How to Make Your Retirement Goals and Numbers a Reality with Robert Steen
In episode 45 I talked with Robert Steen about the numbers you should know for retirement planning purposes. Robert is an Advice Director for Retirement & Complex Financial Planning at USAA.
In today’s episode, he’s back to discuss how to make those numbers a reality.
We talk about first actions steps to make, where to save, how to save and how to do it consistently to reach your goals. We also talk about what to do about retirement savings when you have debt.
Robert shares a lot of good “how-tos” in this episode to start making retirement savings a reality.
Be sure to stick around for What’s on Lacey’s mind, I have a special guest, Majorie Eastman, author of The Frontline Generation and creator of the 2019 Bicycle Collectible Post 9/11 Deck of 52.
#LifeUninterrupted
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May 27, 2019
Life and Leadership with Brigadier General (R) Maureen LeBoeuf
The military community is well aware that good leadership is important in your career. But leadership applies to so many parts of your daily life. The impacts of leadership good or bad can have lasting effects on a person.
From my experience in the military and as a financial coach, I know how valuable positive leadership is in life and money. I’m excited to share my talk with my guest today, Maureen LeBoeuf.
Maureen and I met by chance at a book launch in New York City a couple of years ago. It was for her niece, Erin Lowry, Author of Broke Millennial and Broke Millennial Takes on Investing. It was there I learned about Maureen’s amazing military career. So when I found out she wrote a book, I knew I had to have her on.
Brigadier General (Retired) Maureen LeBoeuf served 28 years in the U.S. Army. During her career, she held various staff and leadership positions as well as flying UH-1 helicopters in the continental United States and Europe. Most noteworthy was her assignment as…
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May 20, 2019
Look in the Mirror if you Want Financial Success
Today is a solo episode because I want to talk about something that has been a frequent topic of discussion recently on my coaching calls. And that’s self-accountability. It’s essential to be aware of who you are to get to where you want to be in life. What you value, what makes you tick, what you’re passionate about, what brings you joy, and what you don’t like are all things to consider.
Ignoring or not taking into consideration what’s already established about yourself leads to unhappiness, discontent, and problems.
On the other hand, knowing yourself, well, helps you make decisions that have a positive impact on your life and finances. And ultimately help you reach your goals.
Today I want to talk about how to understand yourself and apply that knowledge to improve your financial life.
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May 13, 2019
Military Real Estate Investing 101 With David Pere
The phrase “real estate investing” can cause intrigue and fear in many. The prospect of making money off property leads many to want in the real estate game but understanding the ins and outs of how it all works can stop people from taking the leap.
My guest, David Pere, an active-duty Marine, and professional real estate investor is here to give us the low down on investing in real estate. David teaches Servicemembers personal finance and how to invest in real estate. On the show today, we talk what to do before you start, how to start, how to pay for investment property and common mistakes to avoid.
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May 6, 2019
What It's Really Like to Make a Movie With Paul Jun
I’m excited to share this episode with you today. It’s not so much on the money side but it’s something I found very interesting so I thought you might as well. I’m always interested in careers people start after military Service. And my guest today, Paul Jun from Filmocracy has a great one. Paul and I met as attendees of Patriot Boot Camp where I had to opportunity to hear his story.
If you are thinking about getting into the movie industry or want to understand how it all works, this is a great episode for you. Plus you’ll hear about Filmocracy and how it’s changing the way films reach people. We also talk about the costs of creating films and how you make money at it.
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Apr 29, 2019
The Numbers You Need to Know for Retirement: Robert Steen
Your retirement is coming whether you like it or not. And it’s going to take some planning and prep to make it successful. You can’t just wing it, I mean you can but it might not go down the way you want it to.
But what does successful retirement planning look like? How much should you save, how long will it last, when can you start using your savings? These are all questions I asked my guest today, Robert Steen. Robert is an Advice Director for Retirement & Complex Financial Planning at USAA.
In this episode, I ask Robert the questions I know people have about the numbers of retirement. Because knowing the numbers will help make decisions and the whole planning process easier
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Apr 22, 2019
Everything You Need to Know About Medicare with Danielle Kunkle Roberts
The show today is going to clear up a lot of mysteries about Medicare hopefully. We pay for it each month, but most people don’t fully understand the part it will play in their retirement or how to even sign up for it. It may not be a topic you think about, but it’s one you need to start preparing for.
My guest Daniell Roberts is a nationally recognized expert in Medicare. She is a founding partner of Boomer Benefits, a company helping baby boomers navigate Medicate.
In this episode, Danielle shares a wealth of knowledge about the ins and outs of Medicare and what you need to know but can also help your older loved ones.
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Apr 15, 2019
How to Improve Quality of Life in the Military with Hisako Sonethavilay
Improving your quality of life is a goal everyone wants. But when you’re in the military, how do you get your voice heard so changes are made? The Military Family Lifestyle Survey, that’s how. Today my guest, Hisako Sonethavilay from Blue Star Families is here to discuss what the survey is and how it’s helping to improve the lives of Service members and their families.
Hisako is Blue Star Families' Senior Advisor of Applied Research. Our discussions gets into what the topic concerns of military families are, personal finance issues and how the research is applied to make change.
And stick around for my special What’s on Lacey’s Mind guest, Sharon Gran from MilitarybyOwner!
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Apr 8, 2019
Inside the Naval Academy with Grant Vermeer
It's time to go behind the scenes of the Naval Academy! Today, my guest, Grant Vermeer, a fellow Patriot Boot Camp Alumni, and an active-duty Navy officer is coming on the show to talk about the community and helpful resource he created called The Academy Insider. We’re chatting about what it’s like to attend the Naval Academy, some dos and donts and the finances behind being a midshipman.
I’m bringing a special guest on for Game Time today that may have you hearing double!
Plus I have a very special What's on Lacey's Mind (WOLM) topic for you today. My WOLM guest, Judy Davis chats with me about something I'm currently obsessed with and that's helping me improve my business and life! It's Airtable.
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Apr 1, 2019
Mystery Show: April Fools' Day 2019 Edition
You’re not going to want to miss this fun Mystery Show in honor of April Fools' Day 2019! I’ll give you a hint I’m in the hot seat but you’ll have to listen to find out who’s putting me there and the crazy shenanigans they're up to!
In this episode, you get what you get and don’t pitch a fit!
Podcast Links
* The Stacking Benjamins Show
* What’s on Lacey’s Mind
Special Thank You
A special thank you to the awesomely funny cast of The Stacking Benjamins Show! And to Joseph Hogue for coming on for What’s on Lacey’s Mind.
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Mar 24, 2019
Understanding the Veteran Support Ecosystem with OSD
There is no shortage of resources to assist active-duty Servicemembers and Veterans. It’s more about matching the right resource for the right time in your life.
My guest today is here to talk about OSD, a nonprofit organization encouraging community service and commitment amongst the military community by developing programs for deployments, mental Health, homelessness, and employment.
Glenn Banton is the CEO and executive director of OSD. Many of you might know OSD for bringing “fun where there is no fun” by delivering video games to those deployed, which has been coined recreational therapy.
In this episode, Glenn explains OSD’s mission and how it can help the armed forces plus he explains how OSD’s mission has evolved to meet the needs of Servicemembers and Veterans in their life stages.
This episode has some valuable info for resources of supply drop packages for deployed members, mentorship, employment, and community resources when you get out.
Podcast Links
* O…
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Mar 17, 2019
Getting the Most out of College Savings
The time to figure out saving for your child’s education is not when they’re applying for college. Oh no, you should start saving money the day you bring them home from the hospital. Or somewhere close to then. It will make your life a heck of a lot easier.
My guest today, Ksenia Yudina is here to talk about her new app, U-Nest that helps you save for your child’s education with at 529 plan.
She is a mother of three with over a decade of experience as a financial adviser helping parents understand how best to establish savings funds for their children. She built U-Nest to remove the barrier to 529 Plans for families who can’t afford expensive financial advisors to guide them through the process. We go over U-nest, how it works, the cost and the benefits all in this episode.
In this episode:
* What’s a 529 plan
* What U-Nest is and how it can help your finances
* How U-Nest is different
* How and why it was created
* Student loan debt
* How to start saving for…
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Mar 11, 2019
How to Get And Keep The Career You Want as a Military Spouse
This topic is near and dear to my heart because I 100% understand the frustrations of employment as a military spouse. It was a struggle for me to work in the financial services industry in the midst of deployments, long TDYs and PCSing. In fact, my whole business was born out of my personal struggle to do what I love and can make money at but also that fit into balancing our family and military life.
My guest today is Beth Conlin. Beth is the Senior Advisor for Careers with Blue Star Families. She is a fellow Milspouse and understands the challenges other spouses face when it comes to employment.
I’m chatting with Beth about a Blue Star Families program called Spouseforce. Spouseforce is a program working with employers to create employment and training solutions to help Milspouses with jobs that work with their lifestyle. And let’s face it, it’s hard to explain to a new employer you need three weeks off because your hubby who you haven’t seen in a year is coming home. Or th…
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Mar 4, 2019
Everything You Need to Know About Responsibly Building Credit
You need credit to start building credit. If it sounds confusing, that’s because it is. How do you build credit if you can’t get credit because you don’t have credit? Yes, even more confusing. But the answer just might be, Self Lender.
Today my guest is Brett Billick, the Chief Marketing Officer from Self Lender. Brett and the team at Self Lender were kind enough to have me visit their offices in Austin, TX to record this episode live and in person.
In this episode, Brett breaks down exactly who Self Lender is, what they do and how they can help you either build or rebuild your credit.
Please stick around for What’s on Lacey’s Mind. Today I’m talking about something that surprised me about the military. It even surprised my What’s on Lacey’s Mind guest. It’s was a shocker that neither of us knew an important fact about retiring from the military.
In this episode:
* What a credit score is and what goes into your score
* What is Self Lender and how it helps bui…
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Feb 25, 2019
Military Saves Week 2019 with Alecia Blair
Saving money can be difficult for many people. Often we all need a little inspiration or just a kick in the pant to start the process of saving money. My guest today has a resource that can help you jump start your savings goals. That resource is Military Saves Week.
Military Saves is part of the nonprofit America Saves and a partner in the Department of Defense’s Financial Readiness Campaign. The whole goal is to motivate, support, and encourage military families to save money, reduce debt, and build wealth.
My guest, Alecia Blair is a fellow Accredited Financial Counselor and military spouse. As a spouse of an active-duty Army soldier, Alecia understands the challenges of military life and believes deeply in the mission of Military Saves to help service members and their families save money. We have a great discussion about the struggles of saving money in the military community and some tips to start saving money.
In this episode:
* What military saves week is and how it can…
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Feb 19, 2019
What You Need to Know About Credit Counseling with Barry Coleman
Credit is a daily issue for many people. People use credit for buying a house, or a car or furniture or even lawn mowers. But sometimes people get in over their head with credit and don’t know how to fix their situation. It can be difficult to navigate the companies advertising that they’ll help you fix your credit. How do you know what it costs or which ones are reputable?
Today my guest, Barry Coleman for NFCC is here to break it all down. Barry is Vice President of the Counseling and Education programs at the National Foundation for Credit Counseling (NFCC), he and his team are responsible for the development and implementation of financial counseling and education programs that NFCC members deliver to consumers.
In this episode, Barry shares some valuable resources and advice for people that need a little guidance with their credit problems.
Also in this episode:
* What is NFCC?
* Resources to help people with their credit
* Who can use the resources
* Military spec…
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Feb 11, 2019
Ways NEFE Can Help Increase Your Financial Education with Brent Neiser
If you need or want FREE help improving your financial situation, it’s out there. All you have to do it find it. Whether it’s planning for your retirement or getting out of debt or just learning how to save better.
My guest today is going to help you find that free help even faster. Here to discuss free resources to improve your financial education is Brent Neiser, Senior Director of Strategic Partnerships and Alliances for the National Endowment for Financial Education® (NEFE®). He is also on the consumer advisory board for the Consumer Protection Financial Bureau (CFPB).
This episode was recorded live at NEFE’s offices in Denver CO. In full disclosure, the audio for Brent is less than perfect due to operator error. And that operator was yours truly! Apparently, in all the excitement of the live recording, I didn’t turn on the correct microphone so heads up.
Don’t worry, even though I was LIVE, I still have a special Game Time guest, you’ll have to listen and find out…
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Feb 4, 2019
A Proven Path to Financial Freedom with Grant Sabatier
Financial freedom is something everyone strives for but many don’t know the steps they should take to get there. Knowing some steps that work and knowing the steps to avoid can also help on the road to financial freedom.
Today I’m chatting with Grant Sabatier, the Creator of Millennial Money and Author of the Financial Freedom: A Proven Path to All the Money You Will Ever Need.
Grant went from $2.26 to $1 million in 5 years through side hustling and investing. After reaching financial independence at the age of 30, Grant Founded MillennialMoney.com, where he writes about investing, personal finance, entrepreneurship. In this interview, Grant shares some of the methods he used to find financial freedom.
https://laceylangford.com/podcast
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Jan 28, 2019
How to Build a Powerful Money Mindset
Financial success begins with your money mindset. Before you can make your financial situation better you have to get in the right headspace. If not, you could end up sabotaging yourself. In this episode, I go over 5 ways to build a positive money mindset plus 3 exercises you can do to make it easier.
https://laceylangford.com/podcast
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Jan 21, 2019
New Year, New Score-How to Improve Your Credit Score With Rod Griffin
Building your credit or improving your credit score all starts with your credit report. It’s what lenders look at when you need to borrow money. Having a lower credit score could mean paying more to borrow money or not being able to borrow money at all. But more and more places are looking at your credit score before they will do business with you...cell phone companies, utilities, or apartment rentals. So having a good credit score is essential.
In this episode, I talk with the Director of Consumer Education and Awareness for Experian, Rod Griffin. He shares some great advice for improving or building your credit. We also talk about Experian’s new program Experian Boost to help many improve their credit score by being able to use their positive utility payments. Stick around for What's on Lacey's Ming to hear us talk deeper about Boost.
In this episode:
* What’s a credit score?
* What a credit score is made up of
* What is a good and a bad score range?
* Steps people…
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Jan 14, 2019
What AARP North Carolina's Savings Challenge Can Do For You with Doug Dickerson
Saving money can be challenging for many Servicemembers and Veterans so it’s nice when you can get a little help or motivation. And someone laying down a challenge might just be the kick in the pants you need to kick-start your savings habit. Today, Doug Dickerson, the State Director of AARP North Carolina joins me to talk about the savings challenge they are doing, the reasons why and the importance of saving money for the future.
https://laceylangford.com/podcast
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Jan 7, 2019
You Could Be A Millionaire In The Making with Chris Hogan
Becoming extraordinary with money is a possibility for you. It just takes some first steps and good financial habits to get there. Today’s guest, Chris Hogan, is a #1 national best-selling author, a dynamic speaker, and financial expert. For more than a decade, he has served at Ramsey Solutions, equipping and challenging people to take control of their money and reach their financial goals. He is here to share tips from his new book, Everyday Millionaires- How Ordinary People Built Extraordinary Wealth—and How You Can Too.
https://laceylangford.com/podcast
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Dec 31, 2018
How to Hire a Financial Advisor with OG From the Stacking Benjamins Podcast
Help with money is something a lot of people need at some point. You may need to call in reinforcements when your money starts to get out of your skill or confidence level. But many people don’t know the dos and don’ts of hiring a financial advisor.
In this episode, I’m talking with OG the co-host of the award-winning podcast, Stacking Benjamins. OG shares all the tips you need to hire and work with a financial advisor.
https://laceylangford.com/podcast
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Dec 17, 2018
How To Plan Your Money To Start A Business In the Military with Joanna Guldin and John Noll
Starting a business is a big deal. It requires planning and preparation to have success. Just like a mission. Without the planning and prep, mistakes can be made that will hurt your chances of success and your finances. Today I’m excited to welcome Joanna Guldin and John Noll to the show. They’re the founders and Swatara Coffee Company. An independent coffee shop in historic Jonestown, PA.
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Dec 10, 2018
Counting Down To the BRS Opt-in Deadline with JJ Montanaro
The Blended Retirement System (BRS) Opt-in period is coming to an end. For many military Service members, that means a decision has to be made. Are you staying in the Legacy System or are you opting into the BRS? In this show, I’m talking with JJ Montanaro from USAA to discuss what the military community needs to consider when making their BRS Opt-in decision.
https://laceylangford.com/podcast
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Nov 19, 2018
What You Need to Know About Surviving the Healthcare System After Service with Darwin Hale
Today's guest is Darwin Hale, author of Need to Know: How to Arm Yourself for the Healthcare Battlefield. He is talking with me about ways to help Servicemembers and their families take ownership of their healthcare after service. Military Servicemembers mostly do not have the choice on who provides the medical care. You go to the doctor available. And most of the time, there isn’t a lot of questioning when it comes to your medical care. Well when you get out of service, it’s something you need to take a closer look at.
https://laceylangford.com/podcast
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