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Overtime doesn’t fix financial stress — intention does. In this November Reset, I break down why first responders fall into the “overtime mirage,” how to protect your time during the holiday season, and the practical steps to enter 2026 with more margin, more peace, and fewer money headaches. 

Some of the scariest monsters this season aren’t under your bed — they’re in your wallet. From credit-card creatures to car-payment werewolves, learn the five financial monsters haunting first responders and how to defeat them before 2026. 

Behind every strong marriage is open communication — and money is often the toughest topic to tackle. In this post, Coach TPC shares five must-have financial conversations for law enforcement couples to build unity, reduce stress, and create lasting peace at home. 

Your pension is a powerful benefit — but it was never designed to cover all your retirement needs. Learn the common misconceptions about police and fire pensions, why creating financial margin matters, and how supplemental savings like a 457 or Roth IRA can secure your future 

As first responders, it’s easy to let overtime fuel car loans, boats, or other big-ticket “toys.” But when more than 50% of your take-home pay is tied up in vehicles, financial freedom takes a back seat. Learn why balance matters, and how seasoned officers quietly build wealth while still enjoying life. 

Money problems aren’t about numbers — they’re about habits. In this post, Coach TPC explains why personal finance is 80% behavior and only 20% head knowledge, and how first responders can apply the same discipline they use on the job to their money.