Hosts: Rob Moore & Omen Quelvog

Theme: Valentine’s Day edition — the money conversations couples need to have (but often avoid)

Episode Overview

Money is rarely just about math. More often, it represents security, freedom, control, or peace of mind—and when couples don’t talk about those meanings, friction quietly builds.

In this Valentine’s Day–themed episode of The Fiscal Foxhole, Rob and Omen move past budgets and spreadsheets to focus on the deeper financial conversations that shape healthy relationships. Drawing from personal experiences, client conversations, and plenty of foxhole banter, they walk through ten powerful discussion points designed to help couples understand each other’s financial wiring and align on the future.

This isn’t about being “right” with money. It’s about being aligned.

❤️ Key Topics

Foundational Conversations

• What money looked like growing up—and how that shapes behavior today
• What money represents (security, freedom, opportunity, control)
• Saver vs. spender dynamics and why neither is “wrong”
• How each partner emotionally and strategically views debt
• What “normal spending” actually feels like

Goals & Values

• What are you actually working toward with your money?
• If you had to give away $1 million, who would get it—and why?
• If money weren’t a barrier, what would you do or buy first?
• How clarity around goals reduces resentment and conflict

Self‑Awareness

• What you’re good at with money
• What needs improvement
• Why self‑reflection matters more than criticizing your partner

📰 Headline of the Day

“I Used AI to Buy a Car—Here’s Where It Works and Where It Doesn’t” (Investopedia)

A discussion on using AI as a co‑pilot in car buying—great for research, pricing, and pressure‑management scripts, but not a replacement for judgment or personal context.

🏛️ This Day in History

February 14, 1778 — The French Navy salutes the USS Ranger under John Paul Jones, marking the first foreign recognition of the U.S. flag.

✅ Practical Takeaways

• Most financial conflict starts with unspoken assumptions, not bad math
• Money conversations are about meaning, not just mechanics
• Transparency matters more than whether finances are joint or separate
• Shared goals make saving and spending decisions easier
• Alignment beats perfection every time

📬 Stay Connected

Questions for the show? 📧 fiscalfoxhole@gmail.com

Book a meeting with Omen

Booke a meeting with Rob

If this episode resonated, share it with a friend or fellow service member, and don’t forget to subscribe, follow, and leave a review.

⚠️ Disclaimer

This podcast is for educational and entertainment purposes only. Rob Moore and Omen Quelvog are registered investment advisor representatives, but they are not your advisors. Please consult a qualified professional before making financial decisions.

🎙️ Episode 20: Over/Under Your Wallet

Hosts: Omen Quelvog & Rob Moore

February 4th, 2026

⚠️ Gambling Help & Support Resources (Please Read First)

If you or someone you care about may be struggling with gambling, confidential help is available right now:

• National Problem Gambling Helpline (US): 1‑800‑GAMBLER (1‑800‑426‑2537)
• Text or Chat: https://www.1800gambler.net
• Military OneSource: https://www.militaryonesource.mil (free, confidential counseling)
• TRICARE / Military Treatment Facility: Ask your provider about behavioral health support
• Chaplain Services: Confidential support for service members and families

🎙️ Episode Overview

In this episode of The Fiscal Foxhole, Omen and Rob tackle a difficult but timely topic: the normalization of gambling in everyday life, especially as we approach the Super Bowl, March Madness, and other major sporting events.

What used to require travel, cash, and public visibility is now instant, private, and always in your pocket. The hosts explore how that loss of friction has real consequences—not just financially, but emotionally, relationally, and professionally—particularly for military families.

Along the way, they connect gambling behavior to rising credit card debt, stress, financial secrecy, and the very human tendency to believe “this time it’s different.”

🧠 Key Topics Discussed

💳 Credit Card Debt in America

• Americans now carry $1.21 trillion in credit card debt, with 73% reportedly tied to “essentials.”
• Why labeling debt as “mandatory spending” can sometimes hide visibility and budgeting issues.

🎰 Gambling Has Changed (and That’s the Problem)

• Gambling didn’t get more dangerous—the barriers disappeared.
• Sports betting apps remove friction, privacy checks, and social visibility.
• Gambling is now marketed as “prediction markets” and financial products.

🧠 Addiction, Dopamine, and Personality

• Recognizing how gambling feels when it’s healthy vs. when it’s not.
• Warning signs: anger, chasing losses, secrecy, and emotional swings.
• Why knowing who you are matters more than knowing the odds.

✅ Practical Takeaways

• If gambling fits in your budget, you must also be okay losing 100% of it.
• Do it in the open—secrecy is a major warning sign.
• Freedom isn’t doing whatever we want—it’s doing what we ought to do to protect our future.

📣 Sponsor

This episode is brought to you by the Military Financial Advisors Association (MFAA)—a global network of independent, fee‑only fiduciary advisors who specialize in serving military families.

Learn more at https://militaryfinancialadvisors.org

📬 Stay Connected

Have a question or topic you’d like covered on the show?

• Email us: fiscalfoxhole@gmail.com
• Book a meeting with Omen
• Book a meeting with Rob

Guest: Lacey Langford, Host of the Milmo Show®

📌 Episode Summary

In today’s packed episode, Rob and Omen crawl back into the foxhole to tackle one of the most misunderstood financial tools in the military community: credit. And they brought reinforcements.

Joining them in the foxhole is Lacey Langford — Air Force veteran, financial counselor, host of The MILMO Show, and founder of MilMoneyCon. Lacey brings honest, practical, and much‑needed wisdom about how service members can avoid the traps of credit misuse and instead build credit on their terms.

🏡 Headline of the Week:

“Is Home Equity Fake Wealth?” — by Nick Magguilli

Rob and Omen unpack why skyrocketing home prices don’t automatically translate into real purchasing power. Key points discussed:

🎙️ Interview with Lacey Langford

🔥 Part 1: The Dark Side of Credit

Lacey recounts real‑world issues she’s seen repeatedly in the military community. Her biggest message:

“Whatever you’re dealing with — it is fixable. But you have to show up.”

📘 Part 2: Buy Now, Pay Later — Lacey's “Hard Nope”

When Omen mentions Klarna and Afterpay, Lacey’s blood pressure visibly spikes. Her verdict:

“BNPL is just a payday loan wearing makeup.”

💡 Part 3: The Good Side of Credit

Credit can help if used the right way. She also warns about the “credit card rewards hype machine,” especially in military circles.

🪖 Part 4: What Leaders Should Watch For

Leaders can catch issues early by noticing:

• Eating every meal out
• Skipping meals

Her advice to leaders:

• Address issues through education, not embarrassment
• Normalize your own financial mistakes

🌟 Parting Wisdom: “Do It Scared.”

Lacey leaves listeners with a message worth framing:

“If you’re scared of money, scared of asking for help, or scared of facing your credit — do it scared. Each rep gets easier.”

📚 Resources Mentioned

• The MILMO Show: Home - MILMO
• Military Financial Advisors Association (MFAA): Your Home Base for Genuine Financial Advice - Military Financial Advisors Association
• MilMoneyCon Conference: Home - MilMoneyCon

📝 Key Takeaways

1️⃣ If everything rises, nothing rises.

2️⃣ Credit trouble starts with convenience, not carelessness.

3️⃣ Buy Now Pay Later turns choices into obligations.

📧 Feedback & Questions

Have thoughts on today’s episode? Email us at FiscalFoxhole@gmail.com

Book a meeting with Omen

Book a meeting with Rob