Chad and Greg are back this week to reflect on last episode’s conversation with Cal—a firefighter who made saving for the future a priority early on.

In this episode, they talk about how hard it is to save for the future when you're discontent in the present. Gratitude, Cal shared, was a major part of staying grounded. It helped him resist lifestyle creep, even as his income grew. He didn’t chase the next upgrade or compare himself to others. He stayed focused on what actually mattered to him.

They also break down the discipline behind Cal’s story. He took a pay cut to prioritize his deferred comp and stuck with it. Not because it was easy—but because it was the right move for the future he wanted. There was no big moment of success. Just steady commitment, day after day.

Chad and Greg highlight how this goes against the norm. Most people don’t save when it’s inconvenient. Most people wait until “later.” But Cal pushed against that. He paid himself first. He didn’t wait for the perfect time—he just started.

If you’re feeling discouraged or like you’re behind, this one’s for you. This episode is a reminder that it doesn’t have to be flashy. It just has to be consistent. The small decisions, the hard ones—that’s what builds a future.

00:00 Contentment Fuels Financial Preparedness

05:58 "Consistency and Self-Payment"

07:57 "Commitment Over Convenience"

12:20 "Building Community Like CrossFit"

13:16 The Power of Community Commitment

16:55 "Financial Discipline Challenges"

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