In today’s episode, host Chad Hufford sits down with Cal, a recently retired Alaskan firefighter who dedicated three decades to serving his community. Starting his career at just $9 an hour, Cal shares how he steadily built long-term financial security through smart decisions and consistent habits.

Early in his career, Cal took the advice to start saving by maxing out his contributions to the fire department’s deferred compensation plan—a special retirement account. Despite modest earnings, he committed to saving as much as possible from the start and stayed disciplined even as his income grew and the temptation to spend more increased. His story highlights how living within your means and developing strong saving habits can overcome lifestyle creep and lead to real financial freedom.

Cal also reflects on the importance of having a supportive community and mentors to help keep him accountable and motivated throughout his journey.

This episode offers practical, down-to-earth advice on building wealth through consistency, sacrifice, and community support. Cal’s experience proves that no matter your income, the key to financial success lies in small, intentional choices made over time.

00:00 "Deferred Comp Advice for Firefighters"

04:06 Deferred Compensation for Firefighters

07:07 Career Transition to Firefighting

10:20 Frugal Living for Financial Growth

14:26 "Value of Financial Camaraderie"

18:45 Consistent Saving and Collaborative Financial Planning

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