Military Family Budgets: Stop Making These Money Mistakes! with Lacey Langford of MILMO Show

Welcome to Season 2 Episode 1 of the "Militarily Speaking" podcast with Tom McLean and Jodi Vickery

 

In this episode of the Militarily Speaking podcast, we sit down with Lacey Langford, host of the MILMO Show and MilMoneyCon, as well as an Air Force veteran, military spouse, and accredited financial counselor. Together we explore the unique financial challenges military families face. From the importance of financial literacy to practical tips for better money management, this conversation offers valuable insights for military members and civilians alike.

 

“Militarily Speaking” is a podcast produced by Armed Forces Bank that is dedicated to the military lifestyle and all the things that makes the military community who they are.

 

Military Family Budgets: Stop Making These Money Mistakes! With Lacey Langford of MILMO Show

 

Lacey highlights the importance of early financial education for the military community, especially for young service members just starting their careers. She explains how resources for veterans and military families must be delivered in engaging, modern formats to truly make an impact.

 

One critical topic she raises is the rise of “buy now, pay later” programs, which she warns can mimic payday loan traps. Her mission is to ensure veterans and military spouses are prepared with the knowledge and tools to make smart financial choices that protect their futures.

 

MilMoneyCon: A Hub for Helping Veterans and Military Families

 

Lacey dives into the creation of MilMoneyCon, an annual conference she founded to bring together financial professionals with military ties. The event creates opportunities for mentorship, career development, and networking—particularly supporting military spouses and veterans transitioning to civilian life.

 

She underscores how important community and career resources are in empowering veterans and their families to achieve financial independence.

 

Memorable MILMO Podcast Episodes

 

Reflecting on her own podcast, the MILMO Show, Lacey recalls impactful conversations, from her grandmother’s stories of wartime financial hardships to practical discussions on building wealth by reducing waste. These episodes serve as reminders of the lasting influence of financial literacy for military families.

 

Air Force Military Spouse Personal Journey

 

Lacey shares her personal journey, from joining the Air Force to her life as a military spouse navigating frequent relocations and career challenges. Her story resonates with countless veterans and military families transitioning into civilian life, showing both the struggles and opportunities within the military financial ecosystem.

 

Supporting Veterans and Military Spouses

 

As the episode concludes, Tom and Jodi ask how listeners can support the veteran and military spouse community. Lacey encourages volunteerism, donations to aid societies, and spreading accurate financial resources for veterans.

 

You can support the MILMO Show by listening wherever you get your podcasts, or the MilMoneyCon by visiting https://milmoneycon.com/ to learn more.

 

Military Minute

The Military Minute giveaway offers listeners like you a chance to show off your military and life knowledge. Winners receive $50 for themselves and a charity of their choice!

For giveaway details or to enter, visit the Militarily Speaking Podcast Facebook page and find this episodes’ Military Minute post! After a winning selection, Military Minute participants are eligible for another selection after 12 months.

 

·      Last episode’s Military Minute: What year was West Point established? What is the motto for West Point? And which two U.S. Presidents went to West Point?

·      Answer: Founded in 1802. Motto is “Duty, Honor, Country”. Ulysses S Grant and Dwight D Eisenhower.

·      This week’s Military Minute question(s): What is the name of the podcast with the most episodes published and how many episodes are there?

·      Watch for this weeks’ Military Minute

Episode Transcript

(00:00):
Militarily speaking, season two, episodeone, Lacey Langford with the MIMO Show

(00:06):
and Mill Money Con and probably a, aplethora of other things along the way.
Right?
I'm
sure.
I'm sure.
And we'll probably learnabout some of those.
Tom.
This episode we talkwith Lacey Langford with.
The Milow Show and Mill Money Con.

(00:32):
Welcome to Militarily Speaking,brought to you by Armed Forces Bank.
This is Tom McLean and Jody Vickery.
I'm the military retailexecutive for Armed Forces Bank.
Jody comes and goes as she pleases.
She is the Chief Digital officer.
It's great to have Lacey here today,so it's been long overdue and we're
thrilled that we can have a fellowpodcaster who's four and a half,

(00:55):
4.62 times as many episodes as, yeah,
seasoned pro.
She's gonna make us look good.
I'm sure of it.
I know.
So again, welcome to our show.
We're excited to have youlistening and learning all
about our guest, Lacey Langford.
I do wanna take just a second,Lacey and share a little bit
about our audience with you.
Not with you.
I could tell you about our audience, butI'm gonna tell our audience about you.

(01:15):
Probably is maybe moreappropriate use for time and
I fact checked what she sent me.
Okay.
So we're good.
So
you exhibited stalker like activities.
Anyway, Lacy Langford is an AirForce veteran, a military spouse.
Accredited financial counselor whotransforms people's relationship
with money from fear to confidence.
With over 15 years of financialexperience, she understands firsthand the

(01:36):
unique challenges military families face.
Driven by her belief thathelping one person can truly
lift all Lacey bootstrapped andbuilt two impactful ventures.
She founded Mil OA community dedicatedto empowering US service members with
financial literacy and entrepreneurialguidance, and host the Mil O Show podcast.
She also created Mill Money Con, the firstnational conference, uniting financial

(01:58):
professionals with military ties.
Lacey's authentic no judgmentapproach has made her a trusted voice
in the military financial space,whether podcasting, speaking at
conferences or coaching individuals.
She's passionate about making apositive difference in the military
community, one service member at a time.
So I'd say first thank you foryour service, both as a veteran
yourself and as a military spouse.

(02:20):
Yeah, and welcome to our show.
It's an honor to have you.
I'd love for you, Jody.
What, this is our firstepisode of season two.
You were flawless in reading this.
I
didn't.
I didn't stutter.
Not at all.
I didn't stammer.
I appreciate that.
Positive feedback, Tom.
Well, well it's downhill fromhere, but you, you did fantastic.
Yes.
So thanks for making the good first.
Impress.
Glad with Lacey.

(02:40):
Glad made an intro
before we went off the rails.
Right.
So anyway, enough of Tom.
Welcome Lacey.
It is an honor to have you on the show.
I appreciate you being here with us.
I would love for you to tell our audienceat a high level about your work with
the military community, but I know we'regonna get off into a lot of detailed
areas, but maybe give them a, a macrooverview would be a great place to start.
Absolutely.

(03:01):
First of all, thank youso much for having me.
I'm very excited to be on theshow and have this conversation.
I help the military community as afinancial coach, so I always say I
help them make, save and invest moneywisely, and that's in different ways.
That could be helping people with learninghow to budget, how to get outta debt, to
the other side of that coin where it couldbe like, how do I save for my retirement?

(03:22):
Understanding the thrift savings plan,understanding spousal IRAs 4 0 1 Ks,
those type of things, but helpingpeople get to where they wanna be.
I always say, as a financial coach,I'm trying to work myself out of a job.
You know, when I, when I have done that,I know that I've gotten somebody to where
they need to be and they can touch basewith me in the future if they'd like to.

(03:43):
But that is always my goal,is to help people get where
they wanna be with money and.
Very passionate about thecommunity that I serve.
I love what I do.
You know, it's like family to me,and I definitely just wanna make
an impactful, positive movement forservice members and their families
because I know what that's like.
I feel exactly the same, so Ican fully appreciate those words.

(04:05):
Lacey, we're gonna stepback a second, right?
Because you and I were togetherat the, we'll call it the MBS 2025
Military Banking Summit 2025 withamba last week in Colorado Spring.
So we should both put aplug in for MBS 2026, right?
Absolutely.
'cause, absolutely because.
A wonderful event, and I guessI'm on the board of amba and I've
been at these conferences a lot.

(04:26):
You've been an attendee at this conferencefor several years and been a great
spokesperson on behalf of your work andrepresenting the military community.
But any key takeaways that you hadfrom this most recent summit, because
it kind of took on a different flavor,a lot more engaging, a lot more
interactive, a lot more useful, pertinent,relevant information that people.

(04:47):
It can take back to theirdaily lives and employ.
And so I thought it was reallyone of our best summits ever.
Yes.
I thought it was fantastic.
There was a lot, it's always humblingfor me as a financial coach going to a,
any banking, you know, a little alone.
Military banking is a little intimidatingbecause it's just a whole different world
for me, yes, I work in the financialspace, but I don't think people understand

(05:11):
like this ecosystem, like there are allthese different players that are very
important to improving the financial lifeof service members and their family, and.
I thought that was fantasticinformation, great sessions I really
loved and I got up very early for it.
It was started at 7:00 AM the firstday, but they had a session about
cryptocurrency and digital assets,which I thought was fascinating.

(05:32):
And with the Genius Act recentlyapproved, I mean, banks have to deal
with the ever-changing landscape outthere, and you also find out that most.
You thought bankers were stuffy bankers,but then you, you saw me there, but
then you met Tom,
right?
Shattered that.
Yeah.
We, we, we had a potpourri ofpeople across all landscapes
from, from banks to nonprofits tofinancial educators, to fintechs.

(05:55):
I mean, it was, and then Tom.
It and then me and they to whodoesn't even fit into any of those.
Right.
Well, but it was, that'swhat I think is fascinating.
There were everybody, you know,that's in this field helping that,
you know, have kind of the same goal,but with the focus on banking it,
it's very informative to me also just.
The amazing work you all are doing, andI don't think a lot of people see, so I

(06:17):
think it helps me, I agree, be better atwhat I'm doing, but just alone talking
about how you guys are gonna figure outlike cryptocurrency and implementing
that to sessions on fraud, that's alsojust so humbling, which you all have
to, I mean, I think everybody in thecommunity deals with that, but I think
the financial impacts on banks, I don'tthink people realize what a first line
of defense you are for service members.

(06:38):
Good point.
As it relates to fraud, so I.I thought it was fantastic.
Not to mention the food was awesome.
I've heard rumor of shrimp, I'm not sure
there was, there was no shrimpafter about first 22 minutes.
Yes.
After Tom
vacated the buffet, there were no shrimp.
Yes.
So I wanna talk about, so you're,you're really considered a
thought leader in this space.
Tom likes to fancy himself athought leader in a lot of spaces.

(07:00):
Lacey, I still,
I'm still waiting for a t. Maybe Laceycan send Yeah, we're working on that.
Send me a t-shirt that says hashtagthought leader or something.
We're
working on that.
Yeah, I, I would like one too.
But you are considered a subject matterexpert and, and actually a real thought
leader in financial education spacewhen it comes to the military community.
I, I'd love to hear your thoughts and,and have you share with our audience

(07:21):
what you really see out there todayas the biggest needs, the gaps, the
opportunity for organizations, banks,others to step in and fill those gaps.
And what kind of tools and resourcesyou think are, are most needed right
now to help the military community?
Hmm.
I don't know how much,how much time we have.
Right.
Just as a like one thing.
That I think people don't remembera lot, but it's so obvious is that

(07:45):
the majority of people servingin the military under the age 25.
So we're dealing with a veryyoung group of individuals and I
can't speak for everybody in theworld, but I can speak for my, I.
19, 20-year-old self that was enlistedand I, you know, made some poor decisions.
Even though I was told differentlyfrom my parents and my leadership,
I wasn't always a good listener.

(08:06):
And I think it's really important torealize like, hey, they're, they might
not be ready this moment, but whenthey are, we're, we're here with arms
wide open, full of resources and helpto move them to where they wanna be.
Whether that's okay, they've just figuredout, Hey, I shouldn't have credit cards.
We should be ready to helpwith resources for that.
You know, I've started afamily, I need to save money.

(08:28):
I need to know how to buy acar, those type of things.
So I think the basics are reallyimportant, but then also being ready
for trends and things that are changing.
I'm a big drum roller of howimportant it's for people to be paying
attention to buy now, pay later.
I think this is a new payday loan.
It's just been prettied up.
It's everywhere.
Now.
When you check out online, youcan even get it in stores and.

(08:51):
There's not a lot of education onit, so that's the thing that I want
there to be more is for people tounderstand, because we're dealing with
people that you know are 18 years old.
This is the first timeprobably they're on their own.
They're buying things and they'reseeing online, Hey, I could just pay
four payments for this instead of.
Paying for it all now.
So I think it's really important forpeople to start having conversations,

(09:13):
whether that's one-on-one withservice members and their families.
'cause it also impacts militaryspouses because they're doing
a lot of the shopping, beingonline, those type of things.
So educating them so they're preparedto make a really informed decision.
Come checkout time.
Because it can be really tempting,especially when you're going month to
month, paycheck to paycheck that, hey,if we did this in payments, that could

(09:35):
leave us a little bit more wiggle roomand not realizing, Hey, there are fees.
If you are late on thesepayments, there's gonna be fees.
Just like with payday loans, there'sgonna be a paperwork handling fee or
something crazy that's added on that.
Basically becomes a really highinterest rate for service members.
So that's what I think about is thebasics, but also staying ahead of what's

(09:55):
out there and, and when there's newtrends, we should create new content,
new information, new resources andservices to help combat and educate that.
I think that's such a great answer.
I mean, one of my.
Favorite types of individuals to counselwith respect to their finances is that
young person that, that you pull uptheir credit report and it's empty.

(10:15):
And I'm like, isn'tthis a beautiful thing?
It's a blank canvas.
Let's, let's agree now that we'renot gonna screw this up and, and get
dirty it up and, and all of that.
And then with the, the commentsI'm buying now, pay later.
I mean, it's, it's the worldof instant gratification, I
think, in, in, in post plays.
Yeah, that kind of stuff canreally sneak up on you for sure.
So who do you think I'mgonna go off script.

(10:36):
Shocking.
So, who's responsible for making surethat the information gets funneled to
that 17-year-old endless D or recruit?
I mean, I think we're all in thistogether, that we talk about the
military community, you know,check your ego at the door.
You know, you all gottawork together on this thing.
'cause we're all driving towards onemission is to make our service members

(10:57):
and their families more educated and more.
Financially responsible.
But you know, if you're 17-year-old,years old and you don't have that parent
child relationship, you don't havea household where you can get that.
What resources are, who's thatsource of truth out there, and how
do they figure that out at that age?
That's really hard to say becauseyou have to go where they're at.

(11:20):
And that would be social media.
So creating little clips online,whether that's just an image
explaining what buy now, pay lateris, whether that is 'cause I'm, yeah.
Not a fan.
You know, I'm a financialprofessional, so I'm not a thespian,
so I'm not gonna have very creativesocial media, you know, acting.
But I can do a video where I'mexplaining what Buy now, pay later is.

(11:40):
I've done a whole podcast aboutit, written articles about it.
I think it's really important,and I think I agree with you.
Absolutely.
We're all in this.
We're all responsible for it.
Yeah.
And the thing to remember is whenthey're ready, we need to be there.
And that's the whole community.
And so if they listen to mypodcast, yes, that's great.
They listen to your podcast,they could get that information.
They see something online, or couldthey further get information about that?

(12:04):
I think the Department of Defensehas some information about it.
But everybody's involvedbecause when we find somebody
we not, they might not resonate.
So like they might be told by theirleadership, Hey, you have to go talk to
a financial counselor on installation.
And they might get somebody that theytotally zing with that totally gets 'em,
and they're like, yes, I wanna learn more.
And they're excited about it, butthey also might meet somebody and.

(12:26):
It's just there.
And also as a financial poach counselor,it's a responsibility to refer people
if it's like, okay, hey, I, I'm clearlynot getting my message across to you.
There's somebody actuallythat might be better for you.
I'll refer you to this person becausethey might be able to explain it
in a way that excites you or getsyou curious or gets you motivated.
And so I think as a, the first lineof defense, whoever's sitting down

(12:48):
with service members, that's reallyimportant to say, Hey, I can help.
And if it's not working,pass 'em off to somebody.
I say that all the time when I'llhave people that like, well, I went
to get financial help, and they didn'tknow what they were talking about,
or they were judgmental, or they wereclueless, whatever it is, the reason
why it didn't work, I always point outthere's somebody, there's a lot of us.

(13:11):
There's a lot of us, and so that'sjust like going to a doctor.
If you're like, Hey, they're not listeningto me, then go get another doctor.
You know?
There's a lot of people out there,so you just kind of have to.
Everybody has to do their part,the service member and the families
need to do their part, like to findsomebody and get themselves out there.
But as financial professionals, we need tonot have a huge ego to say, you know what?

(13:31):
I'm not the best person for you.
Like I always give example.
If I have a service member that comes,you know, has financial issues for
adoption and infertility, like that'snot my area of expertise, but I know some
people that are really good at that andI wanna get them to those people because
they are really gonna move the needle.
I would just be like, so, so, and I'mokay with admitting I'm so, so in this

(13:51):
area, but I know a really, a personthat's gonna knock it outta the park.
So I think being mindful of all of thesethings and, and then also not to keep.
Rambling on about it, butis also learning style.
Some people are kinesthetic, sohow can we'd create something that
shows them how this all works?
You know, is thatthey're a visual learner.
Are we creating great images thatmotivate people and want them, whether

(14:15):
that's Pinterest or social media, or areon our websites, those type of things.
So I think it's a multi-prongedapproach that we need to have
about it, but we just need to knowwhen they're ready to reach out.
We don't wanna lose them.
That's my point is we don't wanna losethem like they made the first step.
Let's meet them and get them going.
Yeah, there is a sense of informationoverload to some degree out

(14:37):
there, but I think you're right.
The 32nd vignettes, the, theattention span of a younger
audience or a targeted audience forlearning about financial education.
They want it pithy, they want it quick.
They, and, and they want it tobe informative and accurate too,
because to your blank canvas point,Jody, that people don't know that
your credit score impacts your.

(14:59):
Maybe your base clearance or your abilityto move up in rank and the impact on
what your interest rate might be ifyou were to borrow down the road or
even qualify for home down the road.
So again, it, it's sort of hunt andpacked a little bit for people that
are trying to figure it out, butthey've gotta find out what they're
comfortable and how they wanna learn.
To your point, gamification isanother growing avenue for people

(15:21):
to get education in front of others.
We could go on and on about, about that.
So let's move on, shall we?
Yes, we shall.
It's time to focus on your, your podcast.
I'm, I shouldn't say you're com acompetitor of ours, but you are.
So I'm not gonna bring it up.
So let's move on.
Hi, next question.
So you were, I think last Iread, you're at three, over 360?

(15:42):
No, no.
3 53.
Okay.
3 53, but who's coming?
Yeah,
Katie, we're, we're gonnabe at, we're at episode one.
Actually, to be honest,I'm not out with 3 53.
I have it planned.
It's my special birthdayepisode, but it's coming soon.
And your birthday is
September 15th.
Oh, it's one day after myhusband's birthday, Virgo.
Anybody else?
Three days after my grandmother's

(16:04):
birthday.
That's all I got.
I think she just wanted toget that on air to get gifts.
And if you would like tosend Lacey a gift, you can
find
her.
And her phone number is five?
Five five?
Yes.
You can send electronic gift cards too?
No, every year I do a specialepisode, like for my birthday.
It's usually birthday week, but itactually, my birthday falls on a Monday
this year and I try to do something.

(16:26):
Special.
And a lot of times I'minterviewing a family member,
so like I am Oh, I interview.
That's nice.
My grandmother, I think at the timeshe was 95, she's gonna be 98, and
but talking about like what money waslike growing up for her and her first
job and how that all worked, like myfavorite question was like, what did you
do when you didn't have enough money?
And she's like, we did without, yeah.

(16:48):
That
was not the, the first went,I mean, she went through the
Great Depression too, right?
Yes,
yes.
Wow.
And just talks about it all.
So it was, it was very interesting.
So I'm happy to capturesome of those moments.
But I come from a militaryfamily, so it's always fun.
Like I've interviewed my mom and my dad,my siblings, so it, it's interesting.
That's awesome.
I think in Jodi's intro, we kind ofgot the vibe for what the mission

(17:10):
or focus of your podcast is.
'cause it's what you do.
It's, it's what you think about 24 7.
I won't ask you what your favorite podcastepisode was with me, but we can certainly.
Are there, are there certain episodes,'cause I think you even have on your site,
like your top 10, either most listened orbest content, however you want to coin it.

(17:31):
But are there some podcasts that standout for you over the last 400 plus?
Yes.
I mean, I'm rounding up, but uh, are theresome that stand out that say, you know,
you've gotta go listen to this particularepisode, that we can direct people to
your site to be able to access those?
Yes.
I mean, I, there's some, I just.

(17:51):
I don't wanna, you know, showfavoritism here, Tom, for guests.
I know, but just list,
list them all then.
Yes.
One.
But I, I try to do a combinationof, I interview people but I
also do solo show, so there'ssomething I really wanna talk about.
You know, the buy now pay later.
Clearly something I'm passionateabout, I've talked about that.
But I had an episode, whichI was really surprised.

(18:12):
It was something thatwas frustrating me and.
You know, I see it with servicemembers and their families.
I see it in my own home.
And so I did this whole show and it's,do you know what your trash is worth?
And just talked and itwas very well received.
It was one of my most popularepisodes, but it was, it was a
short episode, but just talkingabout how much money people waste.
Yeah.

(18:32):
You know, whether that is they buyall these groceries and they end up
going out to eat or they over prepare.
I talked about in a relationship, are youa leftover person or a no leftover person?
I feel like I am the, the trash pandaof my house where I have to eat all the
leftovers because I don't wanna waste.
So, but just talk about like trash fan.

(18:54):
Yeah.
The things that you spend yourmoney on, are you getting.
Your money's worth of it in, inthis particular episode, really
focusing on food and the amountof money that people waste.
You know, a lot of people don'tpack their lunch when they
could pack their lunch and.
Be even more food for a better priceand how that aligns with your goals.
So that, that was one ofmy, I think, favorite shows.

(19:15):
And another popular one I justmentioned was my, the episode with
my grandmother was a very popularepisode just because of her age and the
story she told and things like that.
So
what, what'd you name?
What did you name that one?
Do you remember?
It's, it just says birthday episode.
My grandma.
Okay.
Yes.
And then I did a reallyfunny one with my siblings.

(19:35):
This was years ago.
I don't know how, I don't knowwhat episode it is, but it, it
also in September, that's usuallywhen I have my family on, but
my parents needed to save money.
They have four children.
And getting our wisdom teethpulled was an extra expense that.
Was not in my parents' budget.
And so I have two oldersisters and a younger brother.
So myself and my two oldersisters had our wisdom teeth

(19:58):
pulled for research at the NIH.
Yes.
See if they were whatpacked Full of wisdom or
do you think?
But anyway,
so you can't do that.
They, they were not.
But, so anyway, so my parentssaved a ton of money, but.
Each of me and my sisters hada very different experience.

(20:19):
Me the two middle children didn'thave a good research experience.
Oh no.
And then my littlebrother got his taken out.
Normally my dad paid, myparents paid for those.
So anyway, so we just, it was a veryfunny episode about like how our
parents with four kids had to budget.
And that was part of it is likeeverybody had to do their part.

(20:39):
And I did my part by having mywisdom teeth pulled for research.
That's amazing.
It sounds like when you go to the, the,what's it called, the cosmetology school
to get your school to get your hair cutbecause it's a little less expensive.
Yes.
But
you're never quite surehow that's gonna come out.
Yes.
But this one involved IVs and Yeah,that one sounds a little more painful.

(21:00):
I, I just wish I had coolstories like Lacey does.
I'm gonna start makingup stories in my life.
That's not new behavior, right?
That's not new behavior, Tom.
But I've also done I,so I do a mix of shows.
Most of them have to do with personalfinance, but there's also some shows
on entrepreneurship, because that's abig part of our community, is making
money to contribute to the household.

(21:23):
Especially military spousesare doing side hustles.
Yep.
And starting their own businesses.
Yeah.
Their gigs to bring in that incomeand have some stability and make
something where they can earn income.
That's PCs proof.
So I talk about some of thosethings, whether that's starting
their own business, marketing,social media, those type of things.
One of the breakout sessions that we,I don't know if you were in that one,

(21:45):
about small business and how militaryspouses and veterans need access to
capital and need access to businessplans, and as a transition from military
life, certainly you're gearing thatup for that as spouses and spouse
unemployment still what, 23, 20 5%?
Isn't that right?
La That.
Sounds, sounds about right.
To give them just new and innovativeideas to help adding to those unmet

(22:08):
needs financially when they do PCS.
'cause a lot of those emergencies come up.
Nobody budgets enough for PCS.
And so, yeah, having that extra savings,and I looked at stats recently about.
In certain age groupswhat savings people have.
It's sad,
yeah.
To know what they have set aside, evenin the fifties and sixties, 65 year olds

(22:30):
about what they have set aside, and wejust need to do a better job as a society
to get people educated about how to save.
Oh, absolutely.
And I think too, you know, when itcomes to entrepreneurship and military
spouses, I always say the day youswear in is a day you should be
planning your exit from the military.
Yeah.
One way or another you're leaving.
And so you should be preparing for this.
And for military spouses, and I know,'cause this is why I ended up starting

(22:53):
a coaching business, is I wanted controlover my earning ability and my career.
And so creating a business thatwas PCs proof was great, but it's.
Also a wonderful foundation for thetransition out of the military to
have some continuity, some stability,because the whole family is getting
outta the military and as a servicemember trying to figure out what

(23:14):
they wanna do post-military life.
If a military spouse has started abusiness or even their career, then
it's, so, I think it's a reallyoverlooked component of personal
finance in the military communityis actually entrepreneurship.
That makes a lot of sense.
And if the spouse has gainful employment,it makes that transition a little

(23:34):
less stressful perhaps because youdon't have both people being upended
in their career at the same time.
So I do wanna shift gears a little bit.
Lacey, I wanna talk about millmoney con, not comm mill money
con.
So let, can I ask youa question about that?
Absolutely.
There's no connection toComic-Con or anything.
Right?
I mean was that the, was that thethought process though about having

(23:55):
something, something con or is itjust because it's a conference?
It's just 'cause it's a conference.
There's actually a lot of cons.
Conferences can't get connection.
Yeah, no.
Like you
didn't buy into that one.
So, no, I'm
sorry, con just wantsto dress up is what I'm.
Gathering.
I mean, you can you,
I could dress up as money.
Your credit card dressedup like a dollar bill card?
Yes.
Yes.
That how
a bill becomes a law, Tom.

(24:15):
It could be the walkingsandwich board for credit cards.
You, you could, you could be a
credit card
Tom, or responsible credit cardthat's secured by a savings account.
Yes.
So
I wanna talk about momentum con.
Lacey, I want, so it's an annual event.
It's been out there since 2021.
So you've got a few years under your belt.
I'd love to understand a littlebit about the goals of the event.
Who attends, who should attendif they, if they haven't already?

(24:37):
And what are your plansfor your 2026 event?
Like a mark your calendar now.
Like a circle it now.
Say the day.
Day.
Besides September 15th the birthday.
Buy
your costume now.
Yeah.
Yes.
I love that we're starting thatrumor to where it costs you no
money comes dress up like a pity.
I will go as buy now.
Pay a later so I can be like,put an X through myself.

(24:58):
The poster child for that coming
as
a
piggy bank.
Yeah.
Oh, that's a darn it.
That would be a good
one too.
Not a lot.
Not a lot of change to that Physique.
Better than the
Tin Man costume,
Jody.
I'll send you pictures, Lacey.
Yes, please do.
Anyway, go right into that.
Tell us all about Mill Mill MoneyCon, please take us out of this.
Yes, I will save you both.

(25:22):
As a military spouse, I understandhow unpredictable life can be.
Whether it's a PCS move or justeveryday expenses, money can be tight.
That's why it's so important to havea checking account that works for you.
Armed Forces Bank offers our accessfreedom checking accounts designed
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If you're looking for no monthlyfees, early military pay.
And no fee access to over38,000 ATMs nationwide.

(25:47):
We've got you covered.
Plus, with our user-friendly mobileapp, managing your money is a breeze
no matter where you're stationed.
And with about 75% of our team affiliatedwith the military Armed Forces Bank
really understands the challenges facedby the military and their families.
We've been supporting militaryfamilies for over a hundred years.
So you know, we'll always have your back.

(26:08):
If you're ready for a checking accountthat's as flexible as you are, head over
to af bank.com or visit a branch near you.
Armed Forces Bank, serving thosewho serve member FDIC $25 opening
deposit E statements required direct
deposit required for early military pay.
Closing new accounts within90 days of opening will result
in a $25 early closure fee.
Message, and data rates charged byyour mobile phone carrier may apply.

(26:33):
So it's a conference for financialprofessionals that are united by military
service, whether that is somebody that'son active duty that wants to come into
the financial space as their next career.
It's also for veterans,military spouses, people that.
Have lived this life.
So they're not necessarily servingthe military community still.
There are a lot of people thatdo, but they might be a financial

(26:56):
planner that is a veteran.
So it's, it's kind of our communitycoming together to help each other.
I believe strongly.
If this is a career field that youwanna come into that we should help.
Service members up and overthe wall, it shouldn't be so
difficult to start their career.
I think there should be great mentorships.
So that's another component of Mill MoneyCon, and then also the earning ability.

(27:17):
Every year, the FINRA Foundationsponsors about 50 military
spouses to become accreditedfinancial counselors Every year.
The American College of FinancialServices, their center for veteran
Military Affairs sponsors anywhere from30 to like 300 service members, spouses.
And veterans to become CFCs or CFPs.

(27:38):
And that is amazing and wonderful.
There's all these peoplehelping in the community.
But the missing component of that isthe other end of the pipeline is how
are these people gonna make money?
How are they gonna be gainfully employed?
And with military spouses,I often say they can't work.
Part-time or full-time, they canwork maybe preschool hours, three
hours a week, three times, you know,where their kids are in preschool.

(28:02):
And so connecting them with companiesand organizations that wanna hire
our community in a non-traditionalway, I think is really important.
And so that's the last part, isthis earning component because if.
If you take the time to become a financialprofessional, if you are not making money
at it, you're gonna leave the profession.
And that's the part that frustratesme, is I started seeing a lot of
military spouses leaving the professionbecause they weren't making any money.

(28:23):
There wasn't any consistency to it.
And so for me, like I got outta themilitary, I wanted to be in finance.
I didn't have any mentorship.
I didn't have anybody explainthe playing field to me.
And so that is kind of what,why I started Mill Money Con is.
To kind of bring the communitytogether to help each other.
I say rising tides, lift all ships.
We can definitely help each other upand over the wall and with our careers

(28:45):
and, and also the continuing educationis like staying current on things.
I have a special event that I do at MillMoney Con called Make Your Point and.
It's kind of a non-traditional session,but basically it's a board that goes
into the exhibiting area and thetrafficked area of mill money con, and

(29:06):
attendees can put their point on theboard and then other attendees vote.
To see which one theywanna hear more about.
And at the closing session, they getthe opportunity, the top three people
get the opportunity to make theirpoint to the community to tell us
like what it is, why we should care.
And most important, like whatcan the community do about it?
And I always use the exampleof buy now, pay later.

(29:27):
Like, Hey, I think.
There should be more educationand training on this.
And that's my point to the communityis like, we should all get on this.
And there are sometimes things thatwe are seeing in our communities,
especially as it relates to the military,that if we all got onto it sooner, you
know, and that might not be a problem.
It could also be a solution.
Something that's working at onebase that could help everybody.

(29:49):
Or one thing that's helping veteransthat we can now apply to other people.
So the conference is really about us allcoming together to help each other out.
State
and location.
I
know.
I didn't hear
Got 20, 26 plans.
What is
it a secret?
Is it tb? Is it TBD still or you?
She just doesn't So
close.
It's so close.
I Alright.
Breaking
news.
Breaking news.
Yes.
I,
I haven't, I haven't signed the dealyet, so I don't wanna say it publicly,

(30:12):
but it will be in the spring of 2026.
About the same timeframe.
April, may, probably more May.
And yes.
And the location, I'm very excited about.
If the deal gets signed, that Ithink it's gonna be a lot of fun.
And I always kick off the conferencewith a 5K run, a fun run as another
networking, bonding experience andwe have a great location for that.

(30:36):
So I think it's gonna be anepic year for Mill Money Con.
That's awesome.
I'm envisioning Tom running in thefun run, dressed like a piggy bank.
I'm, I'm seeing it too.
And I'm seeing this on your website.
On our website.
I would love that.
I do, I do put out a lot of photosof the run, so I would love that.
And you get a medal, Tom, once you finish,you get a, a customed no money con medal.

(30:56):
There you go.
Tom.
Just as a participationaward, or do I have to finish?
That's gonna have to be in the top three,but I will say a lot of people walk
it and network while they're doing it.
There's, I'm crawling.
All right.
Yeah.
A scooter.
Yes.
And I, I try to do fun signslike run, like you're trying
to beat an IRS deadline.
You know, some fun, like specific.
Yeah,

(31:17):
so clever.
Yes.
So we have a lot of people thatvolunteer as well to come and
support and cheer people on.
Awesome.
Alright.
Back to Lacey as an individual,your Air Force career.
Again, thank you.
As Jodi mentioned earlier inyour intro that maybe just,
uh, how you got into military.
Yes.
So I grew up military.
I'm actually the fourthgeneration of my family to serve.

(31:40):
I won't bore you with thefamily history, but it goes back
and we just wanna hear more about Grandma.
Yeah.
Yes, yes.
No, well, her hus, my grandfather was abalder at Gunner in World War ii that Wow.
To tell the tale.
So yeah, that's always interesting story.
But no, my father was a militarypolice officer in the Army, and I
knew that I wanted to go to college,but after I graduated, I didn't

(32:01):
think I was ready for that, and Iwasn't sure which way I was gonna go.
So I thought I would join the militaryand, uh, lean towards the army at first.
But then after a conversation with my dadabout what daily life would look like, I
decided to talk to an Air Force recruiterand went that way instead of the army.
And I served four years.
I got out right before nine 11,so I've been out for quite a bit.

(32:23):
And I had an administrative computerjob with great opportunities.
I worked on a special team.
I also had the opportunity workfor NATO in Italy, which was.
A great maturing and learningexperience for, for me to see how other
militaries work, how other cultureswork, and so super happy I did that.
I always say joining the militarywas the best decision I ever made for

(32:46):
myself, and I learned a lot about myself.
I was under great leaders that helpedmentor me, so that was huge for me.
And then.
I met my husband when I was on active dutyand rolled right into being a military
spouse and all the trouble, you know,challenges that come with that around my
career, family life, those type of things.
And, but yeah, I just come froma really big military family and

(33:07):
that's something that I wanted to do.
I wanted to serve and give myselftime to grow up and earn some money.
And you spent time atFort Campbell, right?
Yes.
My husband was stationed there.
He retired outta Campbell.
Okay.
Screaming Eagles and yeah.
And of course you couldn't just sitidly, you had to be part of a CS there.
Right.
So you had to be, you had to bemuch, be part of the education.
Yeah, so much so.

(33:27):
They gave me a, a cat card because Ivolunteered so much and I always used
that example 'cause those were my hours.
They were preschool hours.
I worked three times a weekfor three hours while my boys
were in preschool on base and.
I had the opportunity to work on mycareer, volunteer and really figure out
what I wanted to do, but also how I couldserve better and be better at my craft.

(33:49):
And things that I saw definitelymade me passionate about, and still
to this day, keep me motivatedon some of the things that I do.
And why I am doing it is a lot of,of what I saw at Fort Campbell.
Thank you.
I'm ready.
Are
you?
I am.
So, I think for, for the three of us,it's, it's perhaps easier to think
about how we, we put action or put legsbehind some of what we're talking about.

(34:10):
You know, Tom and I, were part of afinancial institution, so that comes
with resources and opportunitiesand, but for members of our audience.
That are sitting here listening to usand they're thinking, yeah, this is a
place where I think that I've got skills,expertise, value, that I could add back.
What, what would you say could be acall to action for folks that might
not be positioned the same as, asthe three of us sitting here today?

(34:32):
How can they help serve that militarycommunity, whether it's active duty,
spouses, veterans, you name it.
To enhance their financial journey.
I think Mill Money Con is perhaps a way.
What other ways might you suggest
And, and I think to add to that,that financial success, right?
Yeah.
There's, what is that definition?
'cause everybody in this three, all 330million of us in this country probably

(34:54):
has a de different definition of it too.
Yeah.
Yes.
So are you saying like people that justhave a financial expertise that wanna help
or just in general people that wanna help?
Either really.
I mean, some people might feel movedor compelled to help, but maybe
they're not a financial expert.
Are there ways that they canengage, volunteer help maybe with

(35:14):
things that don't require financialexpertise, but they're willing
to be an extra set of hands to dosomething or, you know, certainly
people that have financial expertise.
Mm, man.
Well, I would say one is todonate to the aid societies.
I think that's really importantto help provide grants to the
military community for things.
I mean, I've seen things where, youknow, they just, when kids are involved

(35:35):
and service members need to uproottheir entire life or bring a, you
know, a family to them, whatever itis, you would be surprised or fires,
things like that where it's just hasnothing to do with their planning.
It just happens.
With life happening to them.
So grants I think are areally great way of that.
And also volunteering.
Most military installations have avolunteer corps and a coordinator

(35:57):
that you can reach out to to startvolunteering on military installations.
Whether that is helping withclasses, they're teaching on
home buying, whether that is.
Being part of the processing linefor deployments or redeployments?
Mobilizations.
I really am a fan of volunteering.
I think there's a difference betweenyour career and your business versus

(36:18):
volunteering and, and making timein your schedule to be able to give
back to people, I think is huge.
And then also just to being aware of theresources and what's correct information.
Sometimes that frustrates me thatpeople share incorrect information or
aren't aware that information is there.
Like people don't realize how muchfinancial information is provided by

(36:39):
the Department of Defense uniquely toservice members, but then also they
have a whole different segment, themill spouse, money mission for military
spouses, so things specific to them.
So having resources.
That you're guiding people too.
Making sure you have the correctinformation I think is important.
And I dunno if that answers yourquestion, Jody, but then No, no, I think
it does.
Okay.
Yeah.
And then Tom's like financial success.

(37:00):
I do think that looksdifferently for everybody.
I think social media hasskewed a lot of that.
I just did a whole episode on this of mypodcast because I'm frustrated that for
some reason we've moved the goalpost or.
Or just created a new one.
But financial success used to be,you know, you don't have any debt,
you have some money saved up foremergencies or unexpected expenses.

(37:24):
You might have a paid off car home, own
a home.
Yeah, own
a home.
But suddenly now it's like, no, you gottatake your kids to Europe every summer.
You have to have like fancy clothes.
You have to be taking photosof really expensive dinners,
sharing on, on social media.
So that has changed.
What people think is financial success.
Yeah.
You didn't used to see what everyvacation that everybody went on, I

(37:46):
know a lot of people were happy gointo a campground with their family.
I mean, we, our vacation was a PCsthat's, we got to see some sites on
the way to our next installation.
And I think people should be mindfulof that, is like if you have these.
Infrastructure and your finances, you arefinancially successful and you don't need
to have all these other fancy things.
Yeah, that's great, butthat stuff comes with time.

(38:08):
I don't think when you're 21 andor 22 and starting a family or 25,
starting a family that you need toworry about a European vacation.
You know, you probably need toworry about building up your
savings, saving for your retirement,saving for your child's education.
Those things are more important.
Then that's a nice to haveis going on a fancy trip.

(38:29):
So I just think things have beenskewed and people need to remember
like, you're doing all right.
I also think that throws people offis like, well, I feel like I'm not
doing good enough, so why don't Ijust go ahead and put this on a credit
card, or I'm, I'm never getting there.
I haven't built my business or builtmy career and discourages them when
in fact they're doing really well.
I see it all the timewith people like coaches.

(38:50):
They come in and they'relike, I'm not doing well.
I need all this help.
And then I look at their stuff, I'mlike, you're actually doing really great.
You know?
Yeah.
You, you might not be doing anannual Disney trip, but man,
you've got the money and safe.
Be thankful.
Yes.
Yes.
So I just think that people need tokeep things in perspective and not
let social media mess with their mind.
Yeah.
No, it's a picture of perfection and notall the dirty stuff behind the scenes.

(39:13):
Right.
So
I'm gonna do one final question thenwe're gonna get to the close here.
But we're gonna, you and I andJody are gonna fact check AI today.
Okay.
Because, oh, okay.
Are we supposed to believeeverything from ai?
No.
Okay.
So here are the top financialissues for military families.
We're just gonna see if you're seeingthe same thing in the landscape of

(39:34):
your life and your daily interactionswith folks that there are high cost and
financial strain of frequent PC S moves.
We talked about that earlier.
Spouse unemployment.
Because of those moves, payissues, and Jody mentioned that
on several broadcasts with our
In season one.
In Season one.
In Season one,

(39:54):
yes.
But it always used to be like they wereflat and never kept up with it in it.
Yep.
They were always fighting upstreamabout that increased household
expenses, which we know that not thattariffs have impacted us yet, but we
know that inflation is a big impactfor people and the cost of goods.
And then challenges with debt andinsufficient emergency savings.
You know, AI was pretty much onpoint with a lot of those, right?

(40:16):
Lace and Yes.
But are you seeing anythingdifferently out there?
And then I, to add to that, I think ifthese things are impacting the lives
of our military families and servicemembers, if people wanna look in the
mirror and say, I need help, right?
I gotta find a counselor, I gotta findsomeone that can get me through this.
Are there recommendations on howthey should go about that process?

(40:38):
And again, there's a lot of, there'sa lot of fakes out there, right?
And there's a lot of scams out there.
And how do you discern betweenwhat's real, what's what's not,
and who's credible and who's not.
But maybe at a high level, areyou seeing those issues that are
facing our military families today?
'cause we've talked about foodinsecurity, we've talked about
homelessness with guests andthose, those are real issues too.

(41:02):
What's, what do you,what's your take on it?
And then if they do want to lookin the mirror, where should they
go and how should they get there?
I think most of, yeah, agree.
Most of those were correct.
I think debt is a huge issue and alot of it does have to do with the
UN and underemployment of militaryspouses, the frequent moves.
And there's just things thatyou, people outside of the

(41:23):
community just don't really get.
And I always give the example andit's so silly, but it's so true.
And if you've ever movedin a military, you get it.
You never know how many windows aregonna be in your house, but you want
your family to have privacy and security.
And so when you get to thatlocation, if you need to buy five
new sets of curtains, you're gonnabuy five new sets of curtains.

(41:44):
Yeah.
And so it's like you don'tknow that that's gonna be
a little bit of an expense.
And so.
People always say, well, oh,they get money for the move.
But it's like, it's thelittle stuff that adds up.
I'd also like to throw outthere is the missing stuff.
You know, you don't know that your rakeis missing because you PCSed in the
summer, but you find out come fall whenthe leaves are coming down that, oh,
we now have to buy a new rake becauseit, it was not in our household goods.

(42:06):
So these little things start to add up.
And again, if you're going paycheckto paycheck, you, you know, a new rake
is an expense that you didn't need.
So those type of things.
I think do impact the community.
And then I do think that social media,one thing that's not on your list, is
really starting to impact financialdecisions, agree in the wrong way
for service members, whether that's,you know, buying cryptocurrency,

(42:27):
buying meme stocks, shorting things.
Making financial decisions thatthey don't understand about, which
is, there's nothing wrong with notunder, I'm still trying to wrap
my mind around cryptocurrency.
So there's nothing wrong that youmight not have a firm grasp of it,
but the thing is, is you're basingyour decision off of what somebody
says online, and they don't have yourbest interest at heart sometimes.

(42:49):
So if you know the shorting of stuff.
I think people don't realize theycan get out before you can and
they make a financial gain, butgetting you to do this thing anyway.
So short is social media ismessing with some things there.
There, there's always thisget rich quick scheme.
Mindset in people.
And if it's too good tobe true, it probably is.
And if people shift that mindset,I think they could be more

(43:12):
financially responsible too.
Yes.
I think keeping it simple isthe best thing that you can do.
You don't need to overcomplicate it.
And that's why I brought up thepoint about what financial success
really is, and social media isn't.
It's not accurate.
Like if you have the basics inplace like you're doing awesome,
contribute to your thrift savings plan,contribute to an index fund, whatever
it is, spend less than you make.

(43:34):
And save is really the baselineof everything that I do.
So if you are doing that, you'reknocking it out of the park because
then you have more money to pay for.
Expenses that come up that you weren'tplanning or for your future self.
I always say right now you aresaving money for two people for
your 80-year-old self and yourself.
Yeah.
And so if you are not putting away moneyeach month for your future self, you're

(43:56):
not gonna have the quality of lifethat you want when you're 80 years old.
So I think keeping itsimple is really important.
And then finding help, whether that isjust wanting to understand something.
That is really important forpeople to know is that's what on
installation, you could just gotalk to a free financial counselor.
Exactly, and and get their opinion.

(44:18):
Get their 2 cents, bouncean idea off of them.
They can let you know some things.
I always say start with the free if youcan, whether that's at your bank, whether
that's on a military installation, whetherthat's military, one source free is best.
You might be at a different level.
Maybe there's a difference betweenneeding financial help and guidance
and then wanting a financialplanner, wanting somebody to invest

(44:39):
your money and help you do that.
That's a different ball game.
But to understand like how to get out ofdebt, understanding how to use the TSP,
those type of things, you, you can usesomebody for free and then when you go
and meet somebody, know what you want.
Or have an idea like, Hey, Idon't like that we're living
paycheck to paycheck every month.
That's a great baseline to tella financial counselor or coach.

(45:01):
This is, this is what I don't want.
And then they can take it from there.
Let them do their job, and if you don'tfeel like you're resonating with them or
they're resonating with you, you don'tfeel like they're doing a good job, then
set up an appointment with somebody else.
And if they're offendedby that, it shows that.
If they weren't a good fit for you,it confirms your first instinct.
Yeah.
But usually a good financial counselor,coach or planner isn't gonna be offended.

(45:22):
Like, no, I might not beresonating with you, but I want
you to get the help you need.
So by all means, like, here's someother people that might be good for you.
Yep, that makes total sense.
I think everybody shouldjust contact Lacey.
How?
Oh yeah.
What's your cell phone number?
No.
How do you think, how do you thinkpeople should get in touch with Lacey?
You can tell us.
Well, it's
funny that you asked really?
'cause I was about to ask her.
So, good job, Tom.
We need, this is the thingswe need to know from Lacey.

(45:44):
Your websites.
Maybe there's more than one wherepeople can find your podcast.
More about mimo, more about Mill moneyCon Mill money con, it looked like
you were about to say something so
paused.
I'm just counting
seeing if
your
number matches.
So where can we find youin all of this information?
Lacey?
Yes.
A great way to start is LinkedIn.
I'm Lacey Langford on LinkedIn.
You can message me there,connect with me there.

(46:05):
Also, I do have two websites for mimo,where I help the military community
make, save, invest money wisely.
That website is mimo.co, so miLM o.co and on all social media
platforms For that, I'm, it's Milow.
And ah, yeah, you can message me there.
And then also for my conferencefor Financial Professionals, that

(46:27):
website is mill money con.com.
And the social media handle forall those is Mill Money Con.
And there you go.
I love it when people reach out.
Sometimes if I'm a little bit crazy,it might take me a while to respond.
Not a while, but justnot that day maybe so.
But love talking with people.
If you ever have a question, andagain, I'm not all about my ego.

(46:48):
If I don't know it, I'm gonna putpoint you in the right direction.
So.
She has so many handles and stuff.
I know I didn't have to write all that.
I just had one.
Well, I never intended to starttwo businesses, but usually when
something frustrates me, I wanna dosomething about it and that's what
ended up why I started a conference.
I wanted to help the community.
So, but it all leads backto helping service members.

(47:10):
I feel strongly a stronger financialforce will have a very positive impact,
not only on service members and theirfamilies, but veterans and their families.
And so it all kind of leads back to.
This group of people, I reallywanna help them and I'll do
it on many different fronts.
You know what we're gonna unveil?
We're gonna unveil a statueof Lacey at the mill Money Con
2026 in Milwaukee, Wisconsin.

(47:33):
Well great.
Glad
you got that all planned out for Tom.
Yes.
Well, I tried to
get her to say it's notin Milwaukee, but Oh yeah,
it is not in Milwaukee.
I'll go ahead and rule that one out.
You should tell Tom it's in Milwaukee.
That way he goes thereand he doesn't come here.
Con I'll be dressed as a
piggy bank and everybody wonderful.
Dressed as a piggy bank in Milwaukee.
So 5K.
Look, Tom.
Oh my god.

(47:53):
Well, so I think that was a greatsummary, Lacey, and so we'll make sure
that we, we are able to share all thosedifferent ways to get in touch with you.
Before we let you go, you've beenkind enough to give us almost an hour.
We would hope that you'dhave just a couple minutes to
play Military Minute with us.
So Lacey played a game with me, right?
Two truths and a lie.
We're gonna play 464 Truss in 90.

(48:13):
No, we're not Lies.
We're not.
No, not Tom.
We're gonna play military Minute.
Okay.
That's a new one.
I'm
drawing the line.
Yes.
So this first question you couldtotally answer, Tom made it
kind of complicated last time.
He insisted on a three part question.
It's not me, which I don'tthink we'd ever done before.

(48:35):
Nonetheless.
So if you know the answerto this one, you can.
You can totally say it out loud.
I think she will.
She's smart.
It's about the US MilitaryAcademy at West Point.
Again, three part answer.
What year was it founded?
That it being West Point?
What is the motto for West Point and whichtwo US presidents went to West Point?
I can honestly say I know none of those.

(48:57):
Well, we could.
I didn't either.
We can edit that.
Google's my friend.
Yes.
We'll feed you the answers.
No.
Well, I bet a lot of peopleprobably had to Google this one,
especially because you know, it'sthree parts kind of a long thing.
But if you are in our audience, and yousaid 1802 was when West Point was founded.
That the motto is duty, honor,country, which makes sense.
And the two US presidents were UlyssesS Grant and Dwight d Eisenhower.

(49:20):
Then you are one, A genius, and two, youshould watch for your name to be dropped
as the lucky winner of $50 for yourselfand $50 to a charity of your choice.
And then we're gonna fastforward to this week's military
minutes, so you can't answer.
Oh, wait,
wait.
Why do presidents always havean initial in their name?
Because they're room.
Important, I guess.
I
don't
know.
'cause maybe there was gonna be another Dwight Eisenhower president

(49:42):
and his middle name was different.
Okay.
I needed to tell him apart likeGeorge W. Bush Kennedy, George H.
Kennedy, HW Bush, Robert Kennedy.
Wow.
Well played.
You didn't even plan for that, did you?
No, you didn't.
I'm just
ready for you.
That's That's how we do this, right?
So this week's military minute,
episode one,
this week's military minute, Tom Yeah.
Is a question about podcasts.
So none of us can answer this one, andI wouldn't have known the answer anyway.

(50:03):
But in honor of Lacey havingso many podcast episodes.
We thought we would ask our audience,what is the name of the podcast
with the most episodes publishedand how many episodes are there?
So two parts, not three.
So we're grateful
I knocked it down.
What, 50%
a third.
So if you are, if you are in our audienceand you know the answer to the name of the

(50:25):
podcast, with the most episodes published.
How many episodes that is.
Make sure you comment that when wedrop this podcast, and if you are
right, that's an important detail.
If you're right, you too couldwin $50 for yourself and $50
to a charity of your choice.
Did you know the answer?
I did not know the answer.
Tom, you're
probably, you feel complete now.
I, I certainly do.

(50:45):
Thank you.
Okay, thank you, Lacey.
Yes, thank you for having me.
I really appreciate it.
So if you enjoyed today's episode, go outto af bank.com and subscribe to the show.
You can also rate us or leave us acomment on your favorite podcast platform,
which is Apple, Spotify, and YouTube.
Very good, Lacey.

(51:05):
Hi Marks.
Good job.
Well done.
Was a pleasure.
Thank you so much.
Thank you.
I hope y'all have a good day.
You too.
You too.
Bye-bye.
Bye-bye.
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