As a first responder, you know how to plan for the unexpected, but have you prepared for the ultimate shift change? In this episode, we’re tackling the not-so-fun-but-totally-necessary topic of estate planning. From wills to trusts to making sure the right photo gets used at your memorial service, we’re breaking down how to create a plan that protects your family and your legacy.

We’ll cover why a simple “I’ll get to it someday” isn’t enough, the difference between a will and a trust (hint: it’s not just legal jargon), and how to avoid probate drama that could leave your loved ones in a financial maze. Plus, we’ll share a few stories that will make you rethink who’s cleaning out your locker when you’re gone.

It’s not the cheeriest conversation, but it might just be the most important one for your family’s future. Tune in and take the first step toward planning your Final Shift.

Disclaimer: While Gina is a lawyer, nothing in this episode should be taken as legal advice. We highly recommend working with a lawyer, like Gina, to set up your estate plan. Don’t leave it to chance—or to your cousin who Googled “wills” once.

Get in touch with Gina Leguria

Website: https://legurialaw.com/

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Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

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🚑 Disclaimer: This episode includes discussions of financial abuse, domestic violence, and a brief mention of suicide. If these topics are tough for you, feel free to skip this one or listen with support. Your well-being matters more than our sarcasm.💰 Money can bring people together… or completely wreck a relationship. In this episode of Budgets for Badges, we’re diving into two wild Reddit stories—one about financial infidelity (because secret credit cards and hidden bank accounts are apparently a love language now) and another about financial abuse (when ‘sharing everything’ becomes financial control).

💡 In this episode, we’ll break down:
🔥 Financial infidelity: When your partner’s biggest secret isn’t another person—it’s a maxed-out credit card you didn’t know existed.
🚨 Financial abuse: When one person holds all the money, all the power, and none of the trust.
🎙️ Our hot takes on these real-life money nightmares, plus practical advice for spotting red flags in your own financial situation.

💵 If money is control, secrecy, or a source of fear in your relationship, that’s not normal—it's a flashing red light. We’re here to talk about it with just the right mix of straight talk and dry humor (because if we don’t laugh, we might cry).

🎧 Tune in, share with a friend, and remember—your paycheck shouldn’t come with emotional blackmail.

If you or someone you know is in a dangerous relationship or has had thoughts or attempts at harming themselves, please utilize these resources:

Domestic Violence Support: 1-800-799-SAFE (7233)

Suicide Hotline: Dial 988

#BudgetsForBadges #FirstResponderFinance #FinancialInfidelity #MoneyMatters #FinancialAbuseAwareness 🚓🚑🔥

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Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

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You spend your shifts putting out literal and figurative fires, but have you ever stopped to think about how to protect your own financial future? No, we’re not talking about hoarding overtime shifts until you spontaneously combust—we’re talking protective insurance.

In this episode of Budgets for Badges, we break down life, disability, and critical illness insurance—aka, the financial body armor you hope you’ll never need but really don’t want to be caught without.

💡 We’ll cover:
💰 How to choose the right life insurance without getting bamboozled.
🚑 Why disability insurance is basically an income tourniquet for when things go south.
🦠 The lowdown on cancer insurance—because bunker gear and stress aren’t exactly doing you favors.

Look, we get it—insurance is about as thrilling as an 8-hour traffic detail. But skipping it? That’s how you end up in a real five-alarm financial emergency. Tune in, take notes, and let’s make sure your wallet survives the chaos. 🎧🔥

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Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

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"Lights, Sirens, and Spreadsheets: Money Talk with Tim Cooney of TPC Financial Coaching" 🚔💰📊

What happens when a cop, a flight paramedic, and a LEO wife walk into a financial coaching session? No, it’s not the start of a bad joke—it’s this week’s episode of Budgets for Badges!

We’re teaming up with Tim Cooney of TPC Financial Coaching to talk about why first responders don’t have to be broke, how cops can actually retire as millionaires, and why your bank account shouldn’t look like it just got hit by a five-alarm fire. 🔥💸

💡 In this episode, we cover:

📊 Why Financial Wellness should be a part of an agencies Officer Wellness Program.
🚓 How first responders can build wealth on their salary (without relying on endless overtime).
💰 The biggest money mistakes cops make (and how to avoid them).
🚒 The financial strategies every first responder should know before hitting retirement.

This is real talk, no fluff, and just enough sarcasm to keep it entertaining. Hit play and start getting your money in order before your next shift! 🎧

#BudgetsForBadges #FinancialFreedom #FirstResponderFinance #MoneyTalk #LightsSirensAndSpreadsheets #WealthBuilding #ThinBlueWallet

How to Contact Tim:

Website: https://www.tpcfinancialcoaching.com/

Instagram: @tpc_financial_coaching

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Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn

If budgeting apps had personalities, YNAB would be the overachiever with a plan for everything, EveryDollar would be the "just tell me what to do" type, and Excel... well, Excel would be that old-school lieutenant who still writes everything down on a clipboard.

In this episode of Budgets for Badges, we’re breaking down the pros and cons of popular budgeting tools—YNAB, EveryDollar, Rocket Money, and the good ol’ DIY Excel spreadsheet—so you can figure out which one actually works for your first responder lifestyle.

🚨 We’ll cover:
💰 Which budgeting tool is best for unpredictable income (hello, overtime & side gigs).
🚒 The budgeting app that actually forces you to think ahead (hint: YNAB fans, we see you).
💻 Why Excel might be the most flexible option… if you don’t mind the math.
💳 How Rocket Money could save you from those sneaky, forgotten subscriptions.

If you've ever started a budget and abandoned it faster than a cold cup of station coffee, this episode is for you. Tune in and let’s find a budgeting system that doesn’t make you want to run a financial mayday! 🚑🔥💸

Ramit Sethi's Conscious Spending Plan: https://www.iwillteachyoutoberich.com/landing-conscious-spending/

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We get it—you work insane hours, deal with stressful calls, and sometimes, the best way to cope is with a little retail therapy. But what happens when thattreat yo’ self moment turns intowhy did I do this?

In this episode ofBudgets for Badges, we’re talking about buyer’s remorse—what to do when that high-ticket purchase wasn’t your brightest idea. Whether it’s a shiny new truck, overpriced gear, or a vacation you’re still paying off, we’ll walk you through damage control strategies to minimize the financial fallout.

We’ll cover:
💰How to determine if you can return, resell, or repurpose your regret.
📉Fixing the hit to your budget without selling a kidney.
🚨How to avoid impulse purchases in the future—yes, even at 3 AM after shift work.

If your latest purchase has you questioning your life choices, don’t panic—we’ve got the financial first aid kit ready. Tune in and let’s clean up this mess together!

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Budgets for Badges: https://www.instagram.com/budgetsforbadges

Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn

Ah, the eternal struggle—do you splurge on that new gear, take a well-earned vacation, or, you know… pay your mortgage? In this episode of Budgets for Badges, we’re diving into the delicate balance between responsible adulting and rewarding yourself for surviving another shift.

And to help us navigate this financial tightrope, we’re bringing in a special guest—Zanna Wolfgang from Honor The Brave (@honorthebrave). As a real estate pro and passionate advocate for first responders, Zanna knows a thing or two about making smart money moves while still enjoying life.

We’ll cover:
🏡 How to balance big financial goals (like homeownership) with the urge to splurge.
💸 Why ‘treat yo’ self’ is a mindset, not an excuse to ignore your budget.
🚔 First responder-specific financial pitfalls (and how to avoid them).

So, whether you’re about to drop cash on a weekend getaway, a new truck, or—gasp—your actual bills, this episode is for you. Tune in as we break down how to have nice things and a roof over your head at the same time!

Follow us on IG:

Budgets for Badges: https://www.instagram.com/budgetsforbadges

Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn

IG: @honorthebrave

Email: [email protected]

Website: www.honorthebrave.com

When it comes to marriage and money, first responders know that teamwork is key—but does that apply to your bank accounts, too? In this episode of Budgets for Badges, we’re tackling the great financial debate: Should you merge your money like a well-oiled fire crew, or keep things as separate as your locker at the station?

We’ll break down:

💰 The case for joint accounts—because what’s yours is mine, and what’s mine... is also mine?
💳 Why some couples swear by separate accounts—because love is eternal, but overdraft fees are not.
⚖️ The hybrid approach—for those who want financial peace without needing a mediator.

Whether your idea of romance is co-signing a mortgage or simply not fighting over who bought another tactical flashlight, this episode will help you find the best financial setup for your relationship. Tune in and let’s get your money situation as smooth as a well-executed shift change!

Don't forget...

Follow us on IG:

Budgets for Badges: https://www.instagram.com/budgetsforbadges

Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn

Every first responder has stories—some you tell at the station, and others you wish you could forget.

But what about the stories you tell yourself about money? In this episode of Budgets for Badges, we’re diving into those pesky financial narratives that keep you stuck, like “Overtime will solve everything” or “Debt is just part of the job.” Spoiler: it doesn’t have to be this way.

We’ll cover:

📖 The most common money myths first responders believe (and why they’re probably not true).

🧠 How your financial past might be running the show without you even realizing it.

✍️ Rewriting the script so you can stop living paycheck to paycheck and start thriving.

Whether you’ve been telling yourself “I’m just bad with money” or “I’ll budget when things calm down” (hint: they won’t), this episode is your wake-up call. Tune in for practical tips, tough love, and maybe a laugh or two—you’ll be rewriting your money story in no time.

Follow us on IG:

Budgets for Badges: https://www.instagram.com/budgetsforbadges

Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn

You’ve got SOPs for everything else—so why not your finances? In this episode of Budgets for Badges, we’re talking about how to create a financial blueprint that actually works for your unique first responder life. Because let’s be honest: if your budget looks like a chaotic scene, it might be time to call for backup.

We’ll cover:

🚨 Setting financial goals without needing a dispatcher to remind you.
🎯 Aligning your spending with your values (hint: coffee might not be a core value).
⏳ Prioritizing like a pro, so you’re not putting vacations before rent.
💡 Finding your purpose in a world of overtime, side gigs, and impulse buys.

Whether you’re saving for a rainy day or just trying to figure out why your paycheck keeps ghosting you, this episode is packed with practical tips—and maybe a few reality checks. Tune in to learn how to bring order to the financial chaos, first responder style.

Don't forget...

Follow us on IG:

Budgets for Badges: https://www.instagram.com/budgetsforbadges

Rebecca Jameson: https://www.instagram.com/bluelinemoneycoach

Chris Harksen-Lucero: https://www.instagram.com/beyondthenumbersbn