Welcome to Ask Lacey, an advice column in which accredited financial counselor and MilMo founder Lacey Langford answers your pressing financial questions. Have a question for Lacey? Submit it here.

I always make sure to add clear instructions to any shared Excel workbook so the next person knows exactly how to interact with my spreadsheets. For years, I relied on the built-in notes and comments ...

Paying out of pocket for a phone — even an economical one — isn’t always possible. Technology is expensive! And seniors, ...