MC’s FREE Online Budgeting Course

It's coming soon!

Some of you are aware that I have a side business, GPS Financial Coaching.

I’ve been in business for over two years now. My focus has been (and will continue to be) emergency responders. I have something really cool in the works that I pray will benefit my brothers and sisters (both in blue and other facets of the emergency responder world)…and it’s absolutely free.

A Special Offer from MCPD

For Email Subscribers Only...

GPS600pxlsIf you’ve been a long-time reader, you are aware of the advances the Wife and I have made in our finances. If you’ve only been reading for a short while, you can check out a snapshot about our debt freedom.

You may also be aware of my financial coaching side business, GPS Financial Coaching. Recently, on the GPS Facebook page, I made an offer to my audience. I put a time limit on it and that time limit expired on the Fourth.

Now, I want to extend the offer to my email subscribers. It’s an offer unlike I’ve ever made before…but it’s only for my email subscribers.

What?! You’re not a subscriber?!

Well, you’re in luck! You can join my email list in a couple of ways.  If you’re interested in my FREE Traffic Court Testimony Template, you can click on the upper right sidebar to join my list and get that FREE template.

If you’re interested in my next book, Badges and Budgets, you can join here to get updates and notifications regarding its release!

I’ve sent out the special offer to my email subscribers already, but not to worry! If you join now, I’ll be sending out the offer again later this week.

Slow is Smooth. Smooth is Fast.

What follows is an excerpt from my upcoming book, tentatively titled Badges and Budgets: Why Every First Responder Should Budget.

Every shooter that has ever had a moment’s training has heard the following axiom:

[Tweet “Slow is Smooth and Smooth is Fast.”]

SmoothThis isn’t something that only officers are familiar with.  I know a number of medics and firefighters that are gun nuts aficionados that are familiar with this tenet as well.

For those unfamiliar with the process involved in combat shooting or the way we LEOs train, let me give you the reader’s digest version.

There is what is referred to as the 5-point pistol presentation. In each step, the shooter does something to bring the shooter closer to efficiently coming on target and pressing the trigger. The steps are as follows:

  1. Your support hand hits your chest and the gun hand goes to the pistol grip releasing any/all retentions on the holster.
  2. You pull the gun out of the holster and bring it to retention, keeping your upper arm parallel to the ground and the muzzle pointed down range.
  3. Bring your support hand and the gun hand together and begin punching out to fully extend your arms.
  4. Get a sight picture with the front sight in focus and the target hazy in the background.
  5. Smoothly press the trigger. We don’t pull…it will cause us to miss at that which we are aiming.

Head and Eyes: It’s Applies to Motor School and Your Money

The following article originally appeared on PoliceOne, the leading online resource for law enforcement, and is reprinted by permission of the PoliceOne editorial team. Visit to access news, commentary, education information, and training resources that help officers protect their communities and stay safe on the streets.

Head and EyesThe hardest thing I’ve ever done professionally was the two weeks I spent in motor school.  The handful of months in FTO don’t compare.  The six months in the Academy?  A comparative cakewalk.

As any motor officer will tell you, just about anyone can go fast in a straight line.  It’s not terribly difficult.  Going slow through a bevy of cones, though?  Wicked hard.

There is a saying in motor school. A credo, if you will.

Head and Eyes.  You will go where you look.

It is a bit counterintuitive at first glance.  As you turn, you need to crane your head in the direction you are going and look at a point at the extreme.  Consequently, the motor will head in that direction, missing the cones immediately in front of you without you giving them so much as a glance.

Typically, if you make it through the first week, you’re golden.  At least that was the rumor I had heard.  So it was on the first day of week two that I felt distinctly lied to.  We had broken for lunch and my spirit was broken as well.

Five Simple Steps to Determine Your Net Worth

Net Worth

Time to face reality, friends!

This isn’t an amusing euphemism about your worth as a Human/LEO/Medic/Firefighter.

I’m literally talking about how much you are worth monetarily.

It’s a topic many of us don’t want to talk about, let alone give some thought to, but it’s one that needs consideration.

It’s a simple exercise that has long gone ignored by more people than not for a few reasons. Possibly, they are simply afraid of the answer and don’t want to face their particular reality. Another possibility is they simply don’t know how.

I’m going to teach you in less than five minutes.

I won’t bore you with accounting spread sheets or any of that nonsense. All you’re going to need is a pad of paper, a pen, and maybe a calculator.


Financial Coaching Giveaway – ($250 value!)

GiveawayOn January 6th, I sent out a plain text email to my subscribers offering a ridiculous deal for my financial coaching sessions. I limited the amount of people able to take me up on it to five.

Emails starting rolling in within minutes of hitting “send” on MailChimp. Once again, I was astounded and humbled at the responses. My calendar quickly started to fill up. Nearly all of the new clients have already had their session and the feedback has been awesome. Many of them have booked additional sessions in the coming weeks.

My new giveaway consists of a FREE two-hour session with me (a $250 value) in which we will walk through how to begin to gain control of your finances. If you feel any of the following, I can help…because I’ve been there:

  • You live paycheck-to-paycheck
  • You are overwhelmed by your debt
  • Your spending is out of control
  • You work hard, but have no control of your money
  • You are afraid to even consider taking an honest look at your financial life
  • You feel like there’s “too much month at the end of the money”
  • You can’t seem to create and/or stick to a written budget
  • You don’t know where to start

I realize it can be difficult to let someone take a good, hard look at your money. This is one of the main reasons the Wife and I are open books when it comes to ours. We are not shy about telling people our story or even straight up letting folks peruse our budget. There are a number of people who have taken the chance and are better off for it.

Now I want to offer you the opportunity to have the same experience.

Enter the giveaway!

The Wife and I have used a monthly written budget without fail for nearly six years. It was the key behind us paying off $77,232.88 in debt. It has also vastly improved our lives in a myriad of other ways, including our marriage and parenting.

And if you don’t win? I still have a savings opportunity for you! If you email me using the code “MC Finance” in either the subject title or in the body, I will honor 20% off my usual fee!

I don’t want to become “sales-y” on the blog, but at the same time, I know there is great value in the services I offer. I also know there is a vast need in the first responder community (not to mention the civilian community) for more control of one’s finances.

Fear not, my dedicated friends, I will continue to be as consistent as possible posting my usual stories, leadership content, and shenanigans on my regular Monday, Wednesday, Friday schedule. I have no plans to abandon what we’ve built here at MCPD.

That being said, and as you are no doubt aware by now, I also have some big plans for the future and the message delivered here. There will be a new eBook (and if you haven’t gotten your FREE copy of my first one yet, click here to join the email subscriber list), webinars, and (eventually) an online course dedicated to walking step-by-step through creating a budget specific to your financial life.

Enter the giveaway!

When you enter, you will get a unique link to share with your friends. When they enter, you’ll get three more entries. So, the more you share, the more entries you get, and the higher your odds of winning.

Take control of your finances. It all starts with a budget. You simply cannot achieve your financial goals (at least not as efficiently and painlessly) without a plan for your money. That is what a budget is, my friends. We will simply tell your money where to go instead of wondering where it went.

Subscribers will receive a FREE copy of MC's eBook including never-before-published posts!

Is Your Financial Situation Unique?

You aren’t a beautiful and unique snowflake. Sorry to burst your bubble.

I love the work of Chuck Palahniuk.  He wrote Fight Club which was eventually turned into one of my favorite movies starring Edward Norton and Brad Pitt.  If you’ve not seen this opus, stop what you are doing now and hit Netflix posthaste…then come back to read this post.

Seriously.  It’s that good.

In the credits, Norton is listed as “Narrator” and Pitt is listed as “Tyler Durden”.  I was going to go more in-depth and tell you if you needed a spoiler alert for a 14-year-old flick you’ve no one to blame but yourself.  My wife was incensed and I deleted the spoiler.  Now you are obligated to watch it.

In one of my favorite scenes, Durden is supervising a work detail at their compound and gives this inspirational little speech:

It’s the Christmas Season: Time for a Giveaway!

ynab3There’s no better time to do a giveaway than in the days leading up to Christmas. Right after Christmas is the New Year, right?

You know, the time of year when all those promises about how you’re going to [insert cliché here]? Well, this year will be different because this year, you’re going to have the tools you need to achieve some of your financial goals. YNAB (You Need A Budget) is the software you need to get the ball rolling.

And I’m going to giveaway a free copy!

Are you buried in debt? YNAB can help.

Do you have savings goals (be they short-term or long-term)? YNAB can help.

Do you have trouble sticking to a budget because it’s too overwhelming? YNAB can help.

Believe me when I say the Wife and I have tried a myriad of different ways to budget our money. We’ve tried Quicken, Mint, Google Docs, Excel, Pen/Paper…even Dave Ramsey‘s Gazelle Budget (and we LOVE Dave).

I’m here to tell you, though, that YNAB is bar-none, hands-down, the superior choice.

Their customer service is excellent and they have free tutorials about their software. They even offer a 34-day free trial period…of the full version, not a lame “lite” version.

Enter the giveaway!

Share with your friends (the more you share, the more entries you get).

Take control of your finances. It all starts with a budget. You simply cannot achieve your financial goals (at least not as efficiently and painlessly) without a plan for your money. That is what a budget is, my friends.

If you’re too impatient, you can use my affiliate link for $6 off and start getting control today!  As a matter of fact, if you purchase YNAB using the link and you end up winning, you have two options:

1. I will reimburse you for the cost of the software (simply save your email receipt as proof of purchase)


2. You can gift YNAB to someone else!

This giveaway is only the beginning of the value MCPD will bring you in 2015. No sense in waiting until January to start something new.

Coming Soon! Subscribers will receive a FREE copy of MC's upcoming eBook including never-before-published posts!

Common Sense Isn’t

In my capacity as a police officer, I see the outcome of some pretty, oh, let’s just say questionable decisions.

Common SenseThere was the time I stopped a nanny (with her charges in tow, mind you) at two in the afternoon for entering the off-ramp to the freeway. While she was drunk and doped out of her mind on pills.

There was the time the grieving son pulled a gun out from under a couch cushion (with four cops on the other side of the room) a few feet away from where his father had just died because he didn’t want anyone to “mess with it”.

And there’s always the guy that decides it would be beneficial if he tried to fight the Poe-leece. (It never is, by the way).

Odds are you don’t fall into these stellar examples of a lack of common sense because you are infinitely smarter than some of the folks I’ve dealt with as a cop.

What started me on a common sense jag?