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In this episode of After the Tones Drop, we talk to Ryan Mink—former Army infantryman, law enforcement officer, and now a financial planner who actually gets it. This guy has seen it all, from the chaos of the battlefield to the mayhem of the streets, and now he’s using that hard-earned wisdom to help first responders stop screwing up their finances. Ryan’s no stranger to stress, and he’s using his unique background to show Ohio’s public servants how to plan for the future without losing their minds.

We get into Ryan’s wild ride from first responder to financial planner, how he applies the same tactical thinking to your bank account, and why you should stop thinking of financial planning as just a bunch of numbers. It’s not just about dollars and cents—it’s about your whole well-being. That means mental, physical, and yeah, financial.

Ryan also gets real about the stupid mistakes most first responders are making with their money. Like not having a will (yeah, it’s that common, don’t be an idiot) and blowing cash on insurance they don’t need. He’ll break down why understanding your pension is crucial, how to dodge the tax bullet, and how to build a plan that’ll take the stress out of life after the job.

But here’s the kicker: it’s not just about the financial stuff. Ryan’s got a ton of insight on the personal side too. He’s helping people avoid burnout, navigate career transitions, and figure out what they’re gonna do when they walk away from the badge.

If you’re a first responder—or you know one—who’s just tired of wondering where your money’s going or how you’ll retire without living off canned beans, this episode is for you. Ryan’s advice is straight-up, no fluff, and from someone who actually knows the pressure of the job.

Key Takeaways:

• Transitioning from high-stress jobs to something more strategic requires a solid game plan. You can’t just wing it.
• Ryan’s subscription-based financial planning model means you can finally get your finances in order without draining your wallet.
• Stop ignoring your will, pension, and insurance. Get those right, or you’re just asking for trouble.
• Don’t just retire from something—retire to something. You need a life plan, not just a retirement plan.
• Check out Ryan’s website at 3creekscapital.com for guides, case studies, and all the resources you didn’t even know you needed.

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DISCLAIMER:
After the Tones Drop has been presented and sponsored by Whole House Counseling. After the Tones Drop is for informational purposes only and does not constitute for medical or psychological advice. It is not a substitute for professional health care advice diagnosis or treatment. Please contact a local mental health professional in your area if you are in need of assistance. You can also visit our shows resources page for an abundance of helpful information.

ATTD Music Credits (Music from #Uppbeat):

• https://uppbeat.io/t/vens-adams/adventure-is-calling License code: ANJCYVHRMULSNKQR
• https://uppbeat.io/t/vens-adams/rise-of-the-hero License code: H4WTAGJZIXZCM8DM
• https://uppbeat.io/t/yeti-music/homewardLicense code: KO7FZAIJBAEAJLKE
• https://uppbeat.io/t/sonda/the-heart-grows License code: KAID0ITO96GJZAPS
• https://uppbeat.io/t/philip-anderson/achievement License code: XZ4PMCKHW94GUR74
• https://uppbeat.io/t/tobias-voigt/nexus
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• https://uppbeat.io/t/paul-yudin/breakthrough
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