MILMO Show

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

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

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.

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

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://milmo.co/podcast/suicide-prevention/

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/

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/

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/

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 resources mentioned in the show at https://laceylangford.com/podcast/make-a-living-with-a-franchise/

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.