Created with Sketch.
Military Money Show
43 minutes | 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.
31 minutes | 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.
52 minutes | 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/
36 minutes | 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.
39 minutes | 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.
9 minutes | 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.
45 minutes | 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.
51 minutes | 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.
39 minutes | 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 clearance in jeopardy.
16 minutes | 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 traditionally published book, The Common Path to Uncommon Success, and its 17-step roadmap to financial freedom and fulfillment.
49 minutes | 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! Spouse-ly is an online marketplace for military spouses, service members, and veterans. She’s currently stationed in Las Vegas, NV, and just quit her full-time job in the corporate world to focus on growing Spouse-ly. Monica and I talk about what Spouse-ly is and how it can help military business owners thrive.
57 minutes | 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.
47 minutes | 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.
40 minutes | 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.
54 minutes | 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 completely inspired, I hope you find inspiration in it too.
39 minutes | 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
36 minutes | 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.
54 minutes | 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 software team. Peter and I talk about the benefits of using spreadsheets to help manage your finances, how you can keep things simple, and the benefits that can come from using spreadsheets. You can find the show notes here https://laceylangford.com/podcast/manage-money-with-spreadsheets/
35 minutes | 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.
36 minutes | 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 to help others.
Terms of Service
Do Not Sell My Personal Information
© Stitcher 2021