Steve Simac

Career Firefighter currently in DROP, sharing what I have found useful along the way.

Oct 2, 2026

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9 min read

Your pension is probably enough. That's not your problem.

Steve Simac

Sep 18, 2026

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11 min read

I had a good reason for the loan. It still cost me six figures.

Steve Simac

Sep 4, 2026

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7 min read

You fixed your funds in Issue 5. Here's the account they can't touch.

Steve Simac

Aug 21, 2026

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5 min read

That lump sum you're sitting on is doing the wrong job.

Steve Simac

Aug 7, 2026

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5 min read

The tax-free retirement income most firefighters never build.

Steve Simac

Jul 24, 2026

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7 min read

The Paycheck Decision You Already Made and Probably Never Looked At Again

Steve Simac

Jul 10, 2026

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6 min read

The refi pitch sounds like a solution. Here's what it actually costs you.

Steve Simac

Jun 26, 2026

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5 min read

The interest isn't just costing you money. It's costing you what that money could have built.

Steve Simac

Jun 12, 2026

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4 min read

Good Debt, Bad Debt, and the Stuff In Between

Steve Simac

May 29, 2026

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6 min read

What Your Vehicle Is Actually Costing You

Steve Simac

May 15, 2026

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10 min read

The formula that's been building your retirement since day one

Steve Simac

Your 457 has cheaper options. Most people never switch to them.

May 1, 2026

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5 min read

Your 457 has cheaper options. Most people never switch to them.

Steve Simac

Apr 17, 2026

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7 min read

Three buckets. Every account you own fits in one of them

Steve Simac

How a Small Percentage Becomes a Very Large Number

Apr 7, 2026

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7 min read

How a Small Percentage Becomes a Very Large Number

Steve Simac

Mar 20, 2026

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1 min read

What is your pension actually worth?

Steve Simac

Mar 6, 2026

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6 min read

The $45,000 Retirement Mistake Nobody Warns You About

Steve Simac