MILMO Show

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/

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/

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/

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/

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.

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

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 with the Jones'
• Where your finances should be before you buy a home
• The average credit score you need to buy a house
• The pros and cons of homeownership
• What PITI is and what you should know about it
• The top tools people need in their tool belt before buying a home
• The top mistakes Servicemembers and Veterans make when buying a home

For more information, visit the show notes at https://laceylangford.com/87

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

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.

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 Radio, Military Times and Marine Corps Times.

Together they have authored a book Beyond the Military: The Handbook for Warrior Reintegration and they are on the show today to share how their book can be used as an integrative strategy for civilian reintegration, continued growth, and lifelong success as a veteran leader in civilian society.

If you or a loved one is preparing to leave the service this show is going to be a great resource for you.

The show notes can be found here.