The Shield Finance Blog

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Financial education, coaching insights, and real talk about money for first responders.

Money, Marriage, and Shift Work: The Conversation Nobody Has
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Money, Marriage, and Shift Work: The Conversation Nobody Has

Money, Marriage, and Shift Work: The Conversation Nobody Has The divorce rate in law enforcement is cited often enough that it’s become part of the culture’s self-mythology. Officers…

Jun 16, 2026 · Ryan Skaggs
One Month In — Thank You
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One Month In — Thank You

Financial Survival for Law Enforcement has been out for one month. I want to say thank you — genuinely. To everyone who bought it, shared it, passed it…

Jun 11, 2026 · Ryan Skaggs
The Parking Lot Problem
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The Parking Lot Problem

The Parking Lot Problem Walk through any department parking lot before the start of a shift. Look at what’s sitting there. Lifted trucks. Brand new SUVs. Nice stuff.…

Jun 9, 2026 · Ryan Skaggs
The One Insurance Policy Most Officers Never Buy (And Regret It)
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The One Insurance Policy Most Officers Never Buy (And Regret It)

The One Insurance Policy Most Officers Never Buy (And Regret It) Ask any officer about life insurance and they’ll give you an answer. Most departments offer some level…

Jun 2, 2026 · Ryan Skaggs
Coaching → Planning → Investment Management: Planning Your Money for the Long Term
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Coaching → Planning → Investment Management: Planning Your Money for the Long Term

There’s a path to getting your financial life right — and it isn’t the same for everyone, and it doesn’t start in the same place for everyone. But…

May 28, 2026 · Ryan Skaggs
We Remember
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We Remember

Memorial Day isn’t about cookouts. I know that sounds obvious, but it’s worth saying out loud, because the holiday has a way of softening into something comfortable —…

May 25, 2026 · Ryan Skaggs
Your Pension Is Not a Financial Plan
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Your Pension Is Not a Financial Plan

Your Pension Is Not a Financial Plan Every officer I’ve ever talked with about retirement eventually says some version of the same thing. “I’ve got my pension. I’ll…

May 19, 2026 · Ryan Skaggs
The Two-Account System That Changed How I Manage Money on Shift
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The Two-Account System That Changed How I Manage Money on Shift

The Two-Account System That Changed How I Manage Money on Shift I’m not a morning person. After a night shift — especially after a stretch of them —…

May 12, 2026 · Ryan Skaggs
It’s Here.
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It’s Here.

Today is May 11th. Financial Survival for Law Enforcement is out. The hardcover is available now. The paperback follows tomorrow. The Kindle edition is also live for anyone…

May 11, 2026 · Ryan Skaggs
Financial Survival for Law Enforcement — It’s Almost Here
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Financial Survival for Law Enforcement — It’s Almost Here

I’ve always been a reader. I’ve always wanted to write a book. I’ve had two books that I work on on vacations or in my free time, but…

May 5, 2026 · Ryan Skaggs
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