MILMO Show

Lacey Langford

The MILMO® Show is all about military money and entrepreneurship. It's everything you need to know about making, saving, and investing money wisely. Lacey Langford, AFC®, interviews inspiring guests about personal finance, entrepreneurship, investing, life in the military, and more.

  1. 11 АВГ.

    Building a Purpose-Filled Life with Values First Financial Planning

    When your military career ends, the mission doesn’t, but figuring out what’s next, or what truly lights you up, can be one of the hardest transitions. It’s not just about finding a new job. It’s about rediscovering what matters most and learning how to fund the life you want, not the one you think you’re supposed to have. In this episode, Omen Quelvog and I discuss values-first financial planning. Omen shares what it is, why it matters, and how it can help you and your family navigate life after service with intention. You’ll hear how to rethink your next chapter, what abundance really means, and why military retirees might be more financially ready than they realize. Omen is the founder of Formynder Wealth Management, a fee-only financial planning firm helping military families build purpose-filled lives after service. A retired Marine Corps officer with 25 years of service, he holds the Military Qualified Financial Planner® designation and is a candidate for CFP® certification. https://milmo.co/podcast/values-first-financial-planning 02:15 – Why values first financial planning matters for military families 04:10 – Starting with your “why” before creating a financial plan 06:02 – Common money challenges during the transition to civilian life 08:15 – How defining your “North Star” shapes every financial decision 10:05 – The emotional side of money and why it’s often overlooked 12:20 – Real-life examples of aligning spending with values 14:05 – The role of intentional trade-offs in living your ideal life 16:12 – How to filter out distractions and stay focused on priorities 18:30 – First questions to ask if you’ve never done values-based planning 20:45 – Bridging the gap between short-term needs and long-term goals 23:00 – Why flexibility is key in military-to-civilian transitions 25:12 – Building resilience through purpose-driven financial choices 27:05 – How this approach strengthens family relationships 29:15 – Final advice for living with clarity and intention For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

    41 мин.
  2. 4 АВГ.

    Retirement Mistakes People Wish They Avoided

    Too many people wait until they’re just a few years from retirement to start asking the big questions, like Can I afford to stop working? And what if my spouse isn’t retiring yet? The truth is, preparing for retirement isn’t just about portfolios and percentages. It’s about aligning your finances with your life. In this episode, Jeff Panik shares the common mistakes people make before retirement and offers advice on how to avoid them. He talks about why inventorying your financial life matters, what conversations couples should be having, and why testing your retirement lifestyle before you actually retire can be a game-changer. Jeff is the Founder of Balance Wealth Partners and a financial advisor with over 25 years of experience. A U.S. Army veteran and first-generation college graduate, Jeff combines disciplined insight with deep empathy to help pre-retirees navigate the complex landscape of Social Security, Medicare, income planning, and succession strategy. His firm was founded on a simple mission: to help people live well today while preparing wisely for tomorrow. Jeff’s approach is rooted in life experience, from paying off student loans through military service to building a career that demystifies money for others. He believes financial advice should be practical, transparent, and deeply human. He is the author of Your Future Is Now, a personal finance guide for young adults, and is set to release his upcoming book for pre-retirees. His work reflects a deep commitment to fostering financial literacy for all generations. When he’s not advising others, Jeff enjoys traveling, spending time with his family, and following sports— especially from his home base in Sandy Springs, Georgia. 06:05 – The #1 mistake people make 5–10 years before retirement 08:30 – Is the “perfect portfolio” really the goal? 10:35 – Why taking a “financial inventory” is a retirement game-changer 12:10 – What to do if you're not naturally organized with money or documents 13:30 – The surprising truth about hobbies and moving in retirement 14:45 – Couples and retirement: how to navigate different timelines 16:25 – Important financial conversations to have before marriage 18:00 – Perception vs. reality: social media and financial stress 19:57 – Why mentorship and storytelling matter in personal finance 23:15 – What retirees often overestimate—and what they underestimate 24:49 – The very first move to make if you haven’t started retirement planning 27:30 – Retirement and health: why you can’t afford to wait 29:22 – Jeff’s favorite tools, including how he uses AI for planning 31:36 – The book that shaped Jeff’s financial philosophy 33:15 – Game Time: “Is It Real?” – Jeff faces off with banana museums and reverse zoos https://milmo.co/podcast/retirement-mistakes-to-avoid For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

    35 мин.
  3. 28 ИЮЛ.

    Life After Loss and the Money Struggles No One Talks About

    Losing a spouse changes everything, emotionally, mentally, and financially. But while grief is often discussed, the money struggles that come with it are rarely part of the conversation, or just grief in general. From paperwork and decisions to pressure and overwhelm, surviving spouses are often expected to figure it all out. In this episode, Certified Financial Planner and Air Force veteran, Daniel Kopp, talks about the financial side of grief, what widows and widowers really face after loss, the emotional weight behind every decision, and how to find stability when your world feels upside down. He shares both his personal experience and professional insights on navigating life after loss. Daniel Kopp, MA, MS, CFP ®, is a fee-only financial planner, financial therapist, and founder of Wise Stewardship Financial Planning, where he helps young widows and widowers as well as military members organize their financial lives by aligning money with their deeply-held values.  He leverages his experiences as a widower and Air Force veteran to offer a deeper level of engagement and connection with his clients. He is also an XYPN and NAPFA member, as well as being a founding board member of the Military Financial Advisors Association (MFAA). Daniel’s education includes his undergraduate with a BS in Economics from Purdue University with highest distinction, an MA from American Military University, a Graduate Certificate in Financial Therapy and an MS in Personal Financial Planning from Kansas State University (KSU). He has been published in the Journal of Financial Therapy for his research on working with widows dealing with money avoidance. https://milmo.co/podcast/life-after-loss For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

    37 мин.
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The MILMO® Show is all about military money and entrepreneurship. It's everything you need to know about making, saving, and investing money wisely. Lacey Langford, AFC®, interviews inspiring guests about personal finance, entrepreneurship, investing, life in the military, and more.

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