<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet href="/stylesheet.xsl" type="text/xsl"?>
<rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:podcast="https://podcastindex.org/namespace/1.0">
  <channel>
    <atom:link rel="self" type="application/rss+xml" href="https://feeds.transistor.fm/ff1309" title="MP3 Audio"/>
    <atom:link rel="hub" href="https://pubsubhubbub.appspot.com/"/>
    <podcast:podping usesPodping="true"/>
    <title>Fiscal Firehouse</title>
    <generator>Transistor (https://transistor.fm)</generator>
    <itunes:new-feed-url>https://feeds.transistor.fm/ff1309</itunes:new-feed-url>
    <description>Come join a groundbreaking new podcast that promises to change the way you think, the way you live, and the way you manage your future.  Grab a cup of coffee, a 6mg Zyn, some noise-canceling headphones, and get lost in the world of the Fiscal Firehouse.  With your co-host Jon Beattie and Louie Barela, the Fiscal Firehouse is your guide to financial freedom. Tailored to union firefighters, we will discuss problems, solutions, and benefits that are unique to our profession.  Change your finances, change your life at the Fiscal Firehouse. Brought to you by Local 1309.</description>
    <copyright>© 2026 Jon Beattie &amp; Louie Barela</copyright>
    <podcast:guid>425d628b-9f8b-5379-9d28-c7f251c70d6a</podcast:guid>
    <podcast:locked>yes</podcast:locked>
    <language>en</language>
    <pubDate>Thu, 30 Apr 2026 08:22:50 -0600</pubDate>
    <lastBuildDate>Thu, 30 Apr 2026 08:23:55 -0600</lastBuildDate>
    <image>
      <url>https://img.transistorcdn.com/5gASa2jhHtz5ZVQSlEoBtFzJDPgpjShSg0tMq1Uko8I/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lMDg0/MjcwODU2YmFiMDE1/MTQzMmU5YTg1ZmVi/MzlkNi5qcGc.jpg</url>
      <title>Fiscal Firehouse</title>
    </image>
    <itunes:category text="Business">
      <itunes:category text="Investing"/>
    </itunes:category>
    <itunes:type>episodic</itunes:type>
    <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
    <itunes:image href="https://img.transistorcdn.com/5gASa2jhHtz5ZVQSlEoBtFzJDPgpjShSg0tMq1Uko8I/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9lMDg0/MjcwODU2YmFiMDE1/MTQzMmU5YTg1ZmVi/MzlkNi5qcGc.jpg"/>
    <itunes:summary>Come join a groundbreaking new podcast that promises to change the way you think, the way you live, and the way you manage your future.  Grab a cup of coffee, a 6mg Zyn, some noise-canceling headphones, and get lost in the world of the Fiscal Firehouse.  With your co-host Jon Beattie and Louie Barela, the Fiscal Firehouse is your guide to financial freedom. Tailored to union firefighters, we will discuss problems, solutions, and benefits that are unique to our profession.  Change your finances, change your life at the Fiscal Firehouse. Brought to you by Local 1309.</itunes:summary>
    <itunes:subtitle>Come join a groundbreaking new podcast that promises to change the way you think, the way you live, and the way you manage your future.</itunes:subtitle>
    <itunes:keywords></itunes:keywords>
    <itunes:owner>
      <itunes:name>L1309</itunes:name>
      <itunes:email>fiscalfirehouse@gmail.com</itunes:email>
    </itunes:owner>
    <itunes:complete>Yes</itunes:complete>
    <itunes:explicit>No</itunes:explicit>
    <item>
      <title>Building Wealth, Not Betting On It</title>
      <itunes:episode>18</itunes:episode>
      <podcast:episode>18</podcast:episode>
      <itunes:title>Building Wealth, Not Betting On It</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">abc748f1-2826-4fbe-8403-68d17a2f8e67</guid>
      <link>https://share.transistor.fm/s/5d95057f</link>
      <description>
        <![CDATA[<p>Jon and Louie are diving headfirst into sports betting, prediction markets, and the wild world of risk, reward, and questionable financial decisions. So grab your lucky jersey, trust your gut, and let’s see if today’s picks pay off. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Jon and Louie are diving headfirst into sports betting, prediction markets, and the wild world of risk, reward, and questionable financial decisions. So grab your lucky jersey, trust your gut, and let’s see if today’s picks pay off. </p>]]>
      </content:encoded>
      <pubDate>Thu, 30 Apr 2026 08:22:50 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/5d95057f/67c7d3c6.mp3" length="50739132" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3168</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Jon and Louie are diving headfirst into sports betting, prediction markets, and the wild world of risk, reward, and questionable financial decisions. So grab your lucky jersey, trust your gut, and let’s see if today’s picks pay off. </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/5d95057f/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/5d95057f/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Don't Let Your Lack of an Emergency Fund be Your Financial Mayday</title>
      <itunes:episode>17</itunes:episode>
      <podcast:episode>17</podcast:episode>
      <itunes:title>Don't Let Your Lack of an Emergency Fund be Your Financial Mayday</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d1ac9915-d318-47eb-84f8-79ce3c94a530</guid>
      <link>https://share.transistor.fm/s/eb00b46c</link>
      <description>
        <![CDATA[<p>In this episode of <em>The Fiscal Firehouse</em>, we break down one of the most important tools in your financial toolkit: the emergency fund. We cover what it is, when you should actually use it, and how to steadily build it.  You’ll also learn where to keep your emergency fund so it stays accessible, safe, and working for you.</p><p>Site for evaluating high yield savings accounts: <a href="https://www.depositaccounts.com/savings/">https://www.depositaccounts.com/savings/</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode of <em>The Fiscal Firehouse</em>, we break down one of the most important tools in your financial toolkit: the emergency fund. We cover what it is, when you should actually use it, and how to steadily build it.  You’ll also learn where to keep your emergency fund so it stays accessible, safe, and working for you.</p><p>Site for evaluating high yield savings accounts: <a href="https://www.depositaccounts.com/savings/">https://www.depositaccounts.com/savings/</a></p>]]>
      </content:encoded>
      <pubDate>Sat, 21 Mar 2026 07:00:10 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/eb00b46c/e0beafe4.mp3" length="49812130" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3110</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this episode of <em>The Fiscal Firehouse</em>, we break down one of the most important tools in your financial toolkit: the emergency fund. We cover what it is, when you should actually use it, and how to steadily build it.  You’ll also learn where to keep your emergency fund so it stays accessible, safe, and working for you.</p><p>Site for evaluating high yield savings accounts: <a href="https://www.depositaccounts.com/savings/">https://www.depositaccounts.com/savings/</a></p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/eb00b46c/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/eb00b46c/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Teach Them Now or Pay Later - Kids Episode </title>
      <itunes:episode>16</itunes:episode>
      <podcast:episode>16</podcast:episode>
      <itunes:title>Teach Them Now or Pay Later - Kids Episode </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">bad483df-d5df-4299-a1d0-5da01d037d63</guid>
      <link>https://share.transistor.fm/s/950d82e3</link>
      <description>
        <![CDATA[<p>Jon and Louie dive into why teaching your kids about money early can be one of the most powerful financial decisions you ever make. From 529 plans, Roth IRAs, custodial accounts, and the new Trump Accounts, we’ll walk through practical ways to start investing for your child’s future goals. If you’re building wealth at the firehouse and at home, this episode is for you. </p><p><strong>Dave Ramsey Smart Saver Bank for Kids:</strong> <a href="https://www.amazon.com/Ramsey-Press-Smart-Saver-Bank/dp/1942121938">https://www.amazon.com/Ramsey-Press-Smart-Saver-Bank/dp/1942121938</a></p><p><strong>Money Savvy Piggy Bank: </strong><a href="https://www.moneysavvy.com/products/money_savvy_pig.html">https://www.moneysavvy.com/products/money_savvy_pig.html</a></p><p><strong>Money Scripts book: </strong><strong><em>Mind Over Money</em></strong><strong>: Ted and Brad Klontz:</strong> <a href="https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X">https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X</a></p><p> <strong>529 College Savings Plans: College Invest: </strong><a href="https://www.collegeinvest.org/first-step/">https://www.collegeinvest.org/first-step/</a></p><p><strong>Fidelity Youth Brokerage Account: </strong><a href="https://www.fidelity.com/go/youth-account/overview?imm_pid=124015078522&amp;immid=100884_SEA&amp;imm_eid=ep1268837510600&amp;utm_source=GOOGLE&amp;utm_medium=paid_search&amp;utm_account_id=5320447233&amp;utm_campaign=YAC&amp;utm_content=124015078522&amp;utm_term=fidelity+youth+account&amp;utm_campaign_id=100884&amp;utm_id=13125989008&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=13125989008&amp;gbraid=0AAAAAD7OUhJxxqJvZscldGAfiQH1eBUPn&amp;gclid=CjwKCAiAwNDMBhBfEiwAd7ti1IdL0tBVTN0WUlIarfhuZSpHQcNgmtil-qe-5RWuOAUMaF4FYB2BmxoCBTIQAvD_BwE">https://www.fidelity.com/go/youth-account/overview?imm_pid=124015078522&amp;immid=100884_SEA&amp;imm_eid=ep1268837510600&amp;utm_source=GOOGLE&amp;utm_medium=paid_search&amp;utm_account_id=5320447233&amp;utm_campaign=YAC&amp;utm_content=124015078522&amp;utm_term=fidelity+youth+account&amp;utm_campaign_id=100884&amp;utm_id=13125989008&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=13125989008&amp;gbraid=0AAAAAD7OUhJxxqJvZscldGAfiQH1eBUPn&amp;gclid=CjwKCAiAwNDMBhBfEiwAd7ti1IdL0tBVTN0WUlIarfhuZSpHQcNgmtil-qe-5RWuOAUMaF4FYB2BmxoCBTIQAvD_BwE</a><strong> </strong></p><p><br></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Jon and Louie dive into why teaching your kids about money early can be one of the most powerful financial decisions you ever make. From 529 plans, Roth IRAs, custodial accounts, and the new Trump Accounts, we’ll walk through practical ways to start investing for your child’s future goals. If you’re building wealth at the firehouse and at home, this episode is for you. </p><p><strong>Dave Ramsey Smart Saver Bank for Kids:</strong> <a href="https://www.amazon.com/Ramsey-Press-Smart-Saver-Bank/dp/1942121938">https://www.amazon.com/Ramsey-Press-Smart-Saver-Bank/dp/1942121938</a></p><p><strong>Money Savvy Piggy Bank: </strong><a href="https://www.moneysavvy.com/products/money_savvy_pig.html">https://www.moneysavvy.com/products/money_savvy_pig.html</a></p><p><strong>Money Scripts book: </strong><strong><em>Mind Over Money</em></strong><strong>: Ted and Brad Klontz:</strong> <a href="https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X">https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X</a></p><p> <strong>529 College Savings Plans: College Invest: </strong><a href="https://www.collegeinvest.org/first-step/">https://www.collegeinvest.org/first-step/</a></p><p><strong>Fidelity Youth Brokerage Account: </strong><a href="https://www.fidelity.com/go/youth-account/overview?imm_pid=124015078522&amp;immid=100884_SEA&amp;imm_eid=ep1268837510600&amp;utm_source=GOOGLE&amp;utm_medium=paid_search&amp;utm_account_id=5320447233&amp;utm_campaign=YAC&amp;utm_content=124015078522&amp;utm_term=fidelity+youth+account&amp;utm_campaign_id=100884&amp;utm_id=13125989008&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=13125989008&amp;gbraid=0AAAAAD7OUhJxxqJvZscldGAfiQH1eBUPn&amp;gclid=CjwKCAiAwNDMBhBfEiwAd7ti1IdL0tBVTN0WUlIarfhuZSpHQcNgmtil-qe-5RWuOAUMaF4FYB2BmxoCBTIQAvD_BwE">https://www.fidelity.com/go/youth-account/overview?imm_pid=124015078522&amp;immid=100884_SEA&amp;imm_eid=ep1268837510600&amp;utm_source=GOOGLE&amp;utm_medium=paid_search&amp;utm_account_id=5320447233&amp;utm_campaign=YAC&amp;utm_content=124015078522&amp;utm_term=fidelity+youth+account&amp;utm_campaign_id=100884&amp;utm_id=13125989008&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=13125989008&amp;gbraid=0AAAAAD7OUhJxxqJvZscldGAfiQH1eBUPn&amp;gclid=CjwKCAiAwNDMBhBfEiwAd7ti1IdL0tBVTN0WUlIarfhuZSpHQcNgmtil-qe-5RWuOAUMaF4FYB2BmxoCBTIQAvD_BwE</a><strong> </strong></p><p><br></p>]]>
      </content:encoded>
      <pubDate>Tue, 17 Feb 2026 10:47:59 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/950d82e3/4ce06efc.mp3" length="67088838" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>4190</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Jon and Louie dive into why teaching your kids about money early can be one of the most powerful financial decisions you ever make. From 529 plans, Roth IRAs, custodial accounts, and the new Trump Accounts, we’ll walk through practical ways to start investing for your child’s future goals. If you’re building wealth at the firehouse and at home, this episode is for you. </p><p><strong>Dave Ramsey Smart Saver Bank for Kids:</strong> <a href="https://www.amazon.com/Ramsey-Press-Smart-Saver-Bank/dp/1942121938">https://www.amazon.com/Ramsey-Press-Smart-Saver-Bank/dp/1942121938</a></p><p><strong>Money Savvy Piggy Bank: </strong><a href="https://www.moneysavvy.com/products/money_savvy_pig.html">https://www.moneysavvy.com/products/money_savvy_pig.html</a></p><p><strong>Money Scripts book: </strong><strong><em>Mind Over Money</em></strong><strong>: Ted and Brad Klontz:</strong> <a href="https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X">https://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X</a></p><p> <strong>529 College Savings Plans: College Invest: </strong><a href="https://www.collegeinvest.org/first-step/">https://www.collegeinvest.org/first-step/</a></p><p><strong>Fidelity Youth Brokerage Account: </strong><a href="https://www.fidelity.com/go/youth-account/overview?imm_pid=124015078522&amp;immid=100884_SEA&amp;imm_eid=ep1268837510600&amp;utm_source=GOOGLE&amp;utm_medium=paid_search&amp;utm_account_id=5320447233&amp;utm_campaign=YAC&amp;utm_content=124015078522&amp;utm_term=fidelity+youth+account&amp;utm_campaign_id=100884&amp;utm_id=13125989008&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=13125989008&amp;gbraid=0AAAAAD7OUhJxxqJvZscldGAfiQH1eBUPn&amp;gclid=CjwKCAiAwNDMBhBfEiwAd7ti1IdL0tBVTN0WUlIarfhuZSpHQcNgmtil-qe-5RWuOAUMaF4FYB2BmxoCBTIQAvD_BwE">https://www.fidelity.com/go/youth-account/overview?imm_pid=124015078522&amp;immid=100884_SEA&amp;imm_eid=ep1268837510600&amp;utm_source=GOOGLE&amp;utm_medium=paid_search&amp;utm_account_id=5320447233&amp;utm_campaign=YAC&amp;utm_content=124015078522&amp;utm_term=fidelity+youth+account&amp;utm_campaign_id=100884&amp;utm_id=13125989008&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gad_campaignid=13125989008&amp;gbraid=0AAAAAD7OUhJxxqJvZscldGAfiQH1eBUPn&amp;gclid=CjwKCAiAwNDMBhBfEiwAd7ti1IdL0tBVTN0WUlIarfhuZSpHQcNgmtil-qe-5RWuOAUMaF4FYB2BmxoCBTIQAvD_BwE</a><strong> </strong></p><p><br></p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/950d82e3/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/950d82e3/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>2026 Healthy Money Habits</title>
      <itunes:episode>15</itunes:episode>
      <podcast:episode>15</podcast:episode>
      <itunes:title>2026 Healthy Money Habits</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">64fc27f2-1af3-49e4-a8fe-b9442eea94c2</guid>
      <link>https://share.transistor.fm/s/d782a8bd</link>
      <description>
        <![CDATA[<p> In today’s episode of <em>Fiscal Firehouse</em>, we’re laying the groundwork for strong financial momentum heading into 2026 by building healthy, sustainable money habits. Drawing inspiration from <em>Atomic Habits</em> by James Clear, we break down how small, consistent actions can lead to big financial wins over time. You’ll learn how to design your environment, simplify your systems, and stay consistent even when motivation fades. If you’re ready to stop relying on willpower and start building habits that actually stick, this episode is for you. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p> In today’s episode of <em>Fiscal Firehouse</em>, we’re laying the groundwork for strong financial momentum heading into 2026 by building healthy, sustainable money habits. Drawing inspiration from <em>Atomic Habits</em> by James Clear, we break down how small, consistent actions can lead to big financial wins over time. You’ll learn how to design your environment, simplify your systems, and stay consistent even when motivation fades. If you’re ready to stop relying on willpower and start building habits that actually stick, this episode is for you. </p>]]>
      </content:encoded>
      <pubDate>Fri, 30 Jan 2026 07:33:31 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/d782a8bd/a7b9f22e.mp3" length="55201673" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3447</itunes:duration>
      <itunes:summary>
        <![CDATA[<p> In today’s episode of <em>Fiscal Firehouse</em>, we’re laying the groundwork for strong financial momentum heading into 2026 by building healthy, sustainable money habits. Drawing inspiration from <em>Atomic Habits</em> by James Clear, we break down how small, consistent actions can lead to big financial wins over time. You’ll learn how to design your environment, simplify your systems, and stay consistent even when motivation fades. If you’re ready to stop relying on willpower and start building habits that actually stick, this episode is for you. </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/d782a8bd/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/d782a8bd/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>What is a taxable brokerage account? Do I need one?</title>
      <itunes:episode>14</itunes:episode>
      <podcast:episode>14</podcast:episode>
      <itunes:title>What is a taxable brokerage account? Do I need one?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">3643d790-cd78-41be-9658-4f3ab4c1399d</guid>
      <link>https://share.transistor.fm/s/26a8c552</link>
      <description>
        <![CDATA[<p>In this episode of <em>The Fiscal Firehouse</em>, Jon and Louie dive into a topic firefighters ask about all the time: taxable brokerage accounts. They break down what a brokerage account is, how it compares to retirement accounts like the 457, and when it actually makes sense to use one. From tax treatment and flexibility to common mistakes and real-world examples, they unpack the pros and cons in plain language. If you’ve ever wondered where a brokerage account fits into your overall financial plan, this episode brings clarity without the jargon. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode of <em>The Fiscal Firehouse</em>, Jon and Louie dive into a topic firefighters ask about all the time: taxable brokerage accounts. They break down what a brokerage account is, how it compares to retirement accounts like the 457, and when it actually makes sense to use one. From tax treatment and flexibility to common mistakes and real-world examples, they unpack the pros and cons in plain language. If you’ve ever wondered where a brokerage account fits into your overall financial plan, this episode brings clarity without the jargon. </p>]]>
      </content:encoded>
      <pubDate>Tue, 16 Dec 2025 07:32:10 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/26a8c552/6f19379c.mp3" length="58882248" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3677</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this episode of <em>The Fiscal Firehouse</em>, Jon and Louie dive into a topic firefighters ask about all the time: taxable brokerage accounts. They break down what a brokerage account is, how it compares to retirement accounts like the 457, and when it actually makes sense to use one. From tax treatment and flexibility to common mistakes and real-world examples, they unpack the pros and cons in plain language. If you’ve ever wondered where a brokerage account fits into your overall financial plan, this episode brings clarity without the jargon. </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/26a8c552/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/26a8c552/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Lottery Episode</title>
      <itunes:episode>13</itunes:episode>
      <podcast:episode>13</podcast:episode>
      <itunes:title>Lottery Episode</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">d4a3e987-33a1-4e6c-adac-d9d0a940ec02</guid>
      <link>https://share.transistor.fm/s/6bd0a9ee</link>
      <description>
        <![CDATA[<p>Welcome to The Fiscal Firehouse, a podcast dedicated to improving the finances of professional firefighters. Today we’re diving into the fantasy we’ve all had — hitting the lottery. But before you start spending your millions, we’ll explore the real question: what’s the difference between being <em>rich</em> and being <em>wealthy</em>? Because in the fire service and in life, it’s not just about how much you make — it’s about how long it lasts.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to The Fiscal Firehouse, a podcast dedicated to improving the finances of professional firefighters. Today we’re diving into the fantasy we’ve all had — hitting the lottery. But before you start spending your millions, we’ll explore the real question: what’s the difference between being <em>rich</em> and being <em>wealthy</em>? Because in the fire service and in life, it’s not just about how much you make — it’s about how long it lasts.</p>]]>
      </content:encoded>
      <pubDate>Fri, 31 Oct 2025 15:36:57 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/6bd0a9ee/bdada6da.mp3" length="56856842" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3550</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to The Fiscal Firehouse, a podcast dedicated to improving the finances of professional firefighters. Today we’re diving into the fantasy we’ve all had — hitting the lottery. But before you start spending your millions, we’ll explore the real question: what’s the difference between being <em>rich</em> and being <em>wealthy</em>? Because in the fire service and in life, it’s not just about how much you make — it’s about how long it lasts.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/6bd0a9ee/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/6bd0a9ee/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>How "One Big Beautiful Bill" Effects Firefighters</title>
      <itunes:episode>12</itunes:episode>
      <podcast:episode>12</podcast:episode>
      <itunes:title>How "One Big Beautiful Bill" Effects Firefighters</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">52274440-2ec3-435f-a914-75e4183f58e5</guid>
      <link>https://share.transistor.fm/s/577fc23c</link>
      <description>
        <![CDATA[<p>Welcome back to the Fiscal Firehouse, where we connect national politics to the realities of the fire service. Today we’re unpacking Donald Trump’s idea of “One Big Beautiful Bill,” a sweeping proposal that promises to combine major reforms into one package. We’ll look at what it could mean for firefighters, especially the push for no tax on overtime pay and how that impacts our paychecks, families, and future security. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome back to the Fiscal Firehouse, where we connect national politics to the realities of the fire service. Today we’re unpacking Donald Trump’s idea of “One Big Beautiful Bill,” a sweeping proposal that promises to combine major reforms into one package. We’ll look at what it could mean for firefighters, especially the push for no tax on overtime pay and how that impacts our paychecks, families, and future security. </p>]]>
      </content:encoded>
      <pubDate>Fri, 05 Sep 2025 08:11:33 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/577fc23c/3f5cd513.mp3" length="53392410" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3334</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome back to the Fiscal Firehouse, where we connect national politics to the realities of the fire service. Today we’re unpacking Donald Trump’s idea of “One Big Beautiful Bill,” a sweeping proposal that promises to combine major reforms into one package. We’ll look at what it could mean for firefighters, especially the push for no tax on overtime pay and how that impacts our paychecks, families, and future security. </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/577fc23c/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/577fc23c/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>The Debt Episode</title>
      <itunes:episode>11</itunes:episode>
      <podcast:episode>11</podcast:episode>
      <itunes:title>The Debt Episode</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">2099697e-a13c-4302-80c1-b29d267ca61f</guid>
      <link>https://share.transistor.fm/s/2f844372</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse. In today's episode, we're breaking down good debt versus bad debt, the emotional tool debt can take, and the real risks hiding behind those shiny new truck loans.  We'll also cover how credit scores work, why they matter, and what you can do to improve your credit worthiness - so grab your coffee and a 6mg ZYN and get ready to start your journey to becoming debt free.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse. In today's episode, we're breaking down good debt versus bad debt, the emotional tool debt can take, and the real risks hiding behind those shiny new truck loans.  We'll also cover how credit scores work, why they matter, and what you can do to improve your credit worthiness - so grab your coffee and a 6mg ZYN and get ready to start your journey to becoming debt free.</p>]]>
      </content:encoded>
      <pubDate>Thu, 14 Aug 2025 13:32:08 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/2f844372/84ac5cc5.mp3" length="63071478" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3939</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse. In today's episode, we're breaking down good debt versus bad debt, the emotional tool debt can take, and the real risks hiding behind those shiny new truck loans.  We'll also cover how credit scores work, why they matter, and what you can do to improve your credit worthiness - so grab your coffee and a 6mg ZYN and get ready to start your journey to becoming debt free.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/2f844372/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/2f844372/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Special Guest: Fire Chief Don Lombardi</title>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>Special Guest: Fire Chief Don Lombardi</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">06327d0c-1821-41ed-b736-270ddcf0c2cd</guid>
      <link>https://share.transistor.fm/s/ef7e5ba1</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie interview the Fire Chief of West Metro Fire Rescue, Don Lombardi.  Chief Lombardi shares his knowledge and experience acquired over 33 years in the fire service.  Chief Lombardi discusses the importance of labor/management relationships, the importance of financial literacy, and also the influence that firefighter culture has on personal finance.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie interview the Fire Chief of West Metro Fire Rescue, Don Lombardi.  Chief Lombardi shares his knowledge and experience acquired over 33 years in the fire service.  Chief Lombardi discusses the importance of labor/management relationships, the importance of financial literacy, and also the influence that firefighter culture has on personal finance.</p>]]>
      </content:encoded>
      <pubDate>Wed, 14 May 2025 15:00:00 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/ef7e5ba1/34e8cac6.mp3" length="77682129" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>4852</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie interview the Fire Chief of West Metro Fire Rescue, Don Lombardi.  Chief Lombardi shares his knowledge and experience acquired over 33 years in the fire service.  Chief Lombardi discusses the importance of labor/management relationships, the importance of financial literacy, and also the influence that firefighter culture has on personal finance.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/ef7e5ba1/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/ef7e5ba1/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Is now the time to panic?</title>
      <itunes:episode>9</itunes:episode>
      <podcast:episode>9</podcast:episode>
      <itunes:title>Is now the time to panic?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">288bab00-859b-43f3-a397-38c2b3fb3ae5</guid>
      <link>https://share.transistor.fm/s/b1d3275b</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the most recent volatility in the stock market.  They will discuss if this stock market decline is different from all the others.  Jon &amp; Louie will offer 5 strategies to help investors keep and remain invested.  These strategies will help investors remain resilient in tough economic times.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the most recent volatility in the stock market.  They will discuss if this stock market decline is different from all the others.  Jon &amp; Louie will offer 5 strategies to help investors keep and remain invested.  These strategies will help investors remain resilient in tough economic times.</p>]]>
      </content:encoded>
      <pubDate>Sat, 19 Apr 2025 13:32:59 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/b1d3275b/281865a0.mp3" length="63281301" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3952</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the most recent volatility in the stock market.  They will discuss if this stock market decline is different from all the others.  Jon &amp; Louie will offer 5 strategies to help investors keep and remain invested.  These strategies will help investors remain resilient in tough economic times.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/b1d3275b/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/b1d3275b/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Pension Episode (Part 2)</title>
      <itunes:episode>8</itunes:episode>
      <podcast:episode>8</podcast:episode>
      <itunes:title>Pension Episode (Part 2)</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">8364753e-b76a-4efb-a5e7-2ec15f8e6d7d</guid>
      <link>https://share.transistor.fm/s/f18c7f54</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the defined benefit pension plan administered through the Fire and Police Pension Association of Colorado (FPPA).  Part two of today’s episode will cover different options within the defined benefit plan.  Jon &amp; Louie will discuss deferred retirement, the DROP plan, survivorship options and purchasing service credit.</p><p><a href="https://www.fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf">https://www.fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf</a><br> </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the defined benefit pension plan administered through the Fire and Police Pension Association of Colorado (FPPA).  Part two of today’s episode will cover different options within the defined benefit plan.  Jon &amp; Louie will discuss deferred retirement, the DROP plan, survivorship options and purchasing service credit.</p><p><a href="https://www.fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf">https://www.fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf</a><br> </p>]]>
      </content:encoded>
      <pubDate>Fri, 21 Mar 2025 07:46:30 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/f18c7f54/4f4527f1.mp3" length="56092403" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3503</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the defined benefit pension plan administered through the Fire and Police Pension Association of Colorado (FPPA).  Part two of today’s episode will cover different options within the defined benefit plan.  Jon &amp; Louie will discuss deferred retirement, the DROP plan, survivorship options and purchasing service credit.</p><p><a href="https://www.fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf">https://www.fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf</a><br> </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/f18c7f54/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/f18c7f54/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Pension Episode (Part 1)</title>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>Pension Episode (Part 1)</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">6639ab99-ae3a-40ae-9913-ce8fabc6a7f4</guid>
      <link>https://share.transistor.fm/s/26f2f168</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the defined benefit pension plan administered through the Fire and Police Pension Association of Colorado (FPPA).  Part one of today’s episode will cover how the pension plan is funded (contributions) and how to determine your defined benefit. Jon &amp; Louie will also discuss the different retirement options with the defined benefit plan.  <br> <br><a href="https://fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf">https://fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the defined benefit pension plan administered through the Fire and Police Pension Association of Colorado (FPPA).  Part one of today’s episode will cover how the pension plan is funded (contributions) and how to determine your defined benefit. Jon &amp; Louie will also discuss the different retirement options with the defined benefit plan.  <br> <br><a href="https://fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf">https://fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf</a></p>]]>
      </content:encoded>
      <pubDate>Sat, 01 Mar 2025 07:22:27 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/26f2f168/c7943ca1.mp3" length="61275514" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3827</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will discuss the defined benefit pension plan administered through the Fire and Police Pension Association of Colorado (FPPA).  Part one of today’s episode will cover how the pension plan is funded (contributions) and how to determine your defined benefit. Jon &amp; Louie will also discuss the different retirement options with the defined benefit plan.  <br> <br><a href="https://fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf">https://fppaco.org/PDF/pubs-handouts/SRP-DB-Brochure.pdf</a></p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/26f2f168/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/26f2f168/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Am I going to get social security?</title>
      <itunes:episode>6</itunes:episode>
      <podcast:episode>6</podcast:episode>
      <itunes:title>Am I going to get social security?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">13512690-01f9-48ad-b6b9-d626dd7eb350</guid>
      <link>https://share.transistor.fm/s/1d9c0e1b</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about social security.  They will discuss how to become eligible for social security, claiming options, and spousal benefits.  Lastly, Jon &amp; Louie will discuss the signing of the Social Security Fairness Act and what this means for firefighters.   </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about social security.  They will discuss how to become eligible for social security, claiming options, and spousal benefits.  Lastly, Jon &amp; Louie will discuss the signing of the Social Security Fairness Act and what this means for firefighters.   </p>]]>
      </content:encoded>
      <pubDate>Tue, 04 Feb 2025 07:53:28 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/1d9c0e1b/468837af.mp3" length="47795505" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>2984</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about social security.  They will discuss how to become eligible for social security, claiming options, and spousal benefits.  Lastly, Jon &amp; Louie will discuss the signing of the Social Security Fairness Act and what this means for firefighters.   </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/1d9c0e1b/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/1d9c0e1b/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Holiday Traditions, Listener Questions, Update on Social Security Fairness Act</title>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Holiday Traditions, Listener Questions, Update on Social Security Fairness Act</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">69e8a908-99e1-4890-8bec-2888d7b0bf27</guid>
      <link>https://share.transistor.fm/s/f988f6dd</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about their families holiday traditions. Jon &amp; Louie will answer several listener questions including; Should I buy pension years? Should I file my own taxes? Health insurance analysis, and should I contribute to a Roth or Traditional 457? Lastly, we will give an update on the Social Security Fairness Act the one of the most significant retirement legislation that affects firefighters in the past 40 years. </p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about their families holiday traditions. Jon &amp; Louie will answer several listener questions including; Should I buy pension years? Should I file my own taxes? Health insurance analysis, and should I contribute to a Roth or Traditional 457? Lastly, we will give an update on the Social Security Fairness Act the one of the most significant retirement legislation that affects firefighters in the past 40 years. </p>]]>
      </content:encoded>
      <pubDate>Fri, 13 Dec 2024 18:37:06 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/f988f6dd/b64346cd.mp3" length="64851985" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>4050</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about their families holiday traditions. Jon &amp; Louie will answer several listener questions including; Should I buy pension years? Should I file my own taxes? Health insurance analysis, and should I contribute to a Roth or Traditional 457? Lastly, we will give an update on the Social Security Fairness Act the one of the most significant retirement legislation that affects firefighters in the past 40 years. </p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/f988f6dd/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/f988f6dd/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>457 - Your golden ticket to financial freedom</title>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>457 - Your golden ticket to financial freedom</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ce466c26-4697-4731-807c-4df38b47045a</guid>
      <link>https://share.transistor.fm/s/82118588</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about their favorite supplemental retirement vehicle: the 457.  In this episode you will learn about the power of the 457 and how it can be your ticket to financial freedom.  Jon &amp; Louie will discuss contribution limits, distribution strategies, and answer the age old question "should I contribute to a traditional or roth 457?"</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about their favorite supplemental retirement vehicle: the 457.  In this episode you will learn about the power of the 457 and how it can be your ticket to financial freedom.  Jon &amp; Louie will discuss contribution limits, distribution strategies, and answer the age old question "should I contribute to a traditional or roth 457?"</p>]]>
      </content:encoded>
      <pubDate>Tue, 12 Nov 2024 08:18:10 -0700</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/82118588/e26b4f23.mp3" length="71284764" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>4452</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode, Jon &amp; Louie will talk about their favorite supplemental retirement vehicle: the 457.  In this episode you will learn about the power of the 457 and how it can be your ticket to financial freedom.  Jon &amp; Louie will discuss contribution limits, distribution strategies, and answer the age old question "should I contribute to a traditional or roth 457?"</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/82118588/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/82118588/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>FSA + HSA Explained</title>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>FSA + HSA Explained</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">147df0e9-b837-45bf-83b0-9abac5b655af</guid>
      <link>https://share.transistor.fm/s/02e7c58d</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode Jon &amp; Louie will do a deep dive on FSA's (flexible spending accounts) &amp; HSA's (health savings accounts).</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode Jon &amp; Louie will do a deep dive on FSA's (flexible spending accounts) &amp; HSA's (health savings accounts).</p>]]>
      </content:encoded>
      <pubDate>Thu, 10 Oct 2024 14:24:41 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/02e7c58d/41d0de79.mp3" length="56109904" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>3504</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to professional firefighters.  On todays episode Jon &amp; Louie will do a deep dive on FSA's (flexible spending accounts) &amp; HSA's (health savings accounts).</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/02e7c58d/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/02e7c58d/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>The why behind financial independence</title>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>The why behind financial independence</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">732c80c6-42f7-4920-97e4-ee582660bdff</guid>
      <link>https://share.transistor.fm/s/9993c678</link>
      <description>
        <![CDATA[<p>The Fiscal Firehouse welcomes their first guest, Reed Norwood, L1309 Secretary Treasurer.  Reed will give a report on the 57th IAFF Convention along with explaining how your union dues are being allocated. The second half of the episode, Jon and Louie will discuss the three pillars of financial independence and why it is so critical to setting you up for future financial success.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>The Fiscal Firehouse welcomes their first guest, Reed Norwood, L1309 Secretary Treasurer.  Reed will give a report on the 57th IAFF Convention along with explaining how your union dues are being allocated. The second half of the episode, Jon and Louie will discuss the three pillars of financial independence and why it is so critical to setting you up for future financial success.</p>]]>
      </content:encoded>
      <pubDate>Sat, 14 Sep 2024 08:33:14 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/9993c678/cd963e8a.mp3" length="81703640" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>5103</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>The Fiscal Firehouse welcomes their first guest, Reed Norwood, L1309 Secretary Treasurer.  Reed will give a report on the 57th IAFF Convention along with explaining how your union dues are being allocated. The second half of the episode, Jon and Louie will discuss the three pillars of financial independence and why it is so critical to setting you up for future financial success.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/9993c678/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/9993c678/transcript.json" type="application/json"/>
    </item>
    <item>
      <title>Get to know your co-host Jon &amp; Louie</title>
      <itunes:title>Get to know your co-host Jon &amp; Louie</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">e0877055-fc56-4081-ba0e-d9b8e8ccb704</guid>
      <link>https://share.transistor.fm/s/d1a82dc2</link>
      <description>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to our brothers and sister of L1309.  In todays podcast Jon &amp; Louie will open-up about their goals and objectives with the Fiscal Firehouse.  Your co-hosts will also discuss their passion surrounding personal finance and what are members can expect in future episodes.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to our brothers and sister of L1309.  In todays podcast Jon &amp; Louie will open-up about their goals and objectives with the Fiscal Firehouse.  Your co-hosts will also discuss their passion surrounding personal finance and what are members can expect in future episodes.</p>]]>
      </content:encoded>
      <pubDate>Wed, 21 Aug 2024 13:35:08 -0600</pubDate>
      <author>Jon Beattie &amp; Louie Barela</author>
      <enclosure url="https://media.transistor.fm/d1a82dc2/b3633012.mp3" length="38019837" type="audio/mpeg"/>
      <itunes:author>Jon Beattie &amp; Louie Barela</itunes:author>
      <itunes:duration>2373</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Welcome to the Fiscal Firehouse.  A podcast dedicated to our brothers and sister of L1309.  In todays podcast Jon &amp; Louie will open-up about their goals and objectives with the Fiscal Firehouse.  Your co-hosts will also discuss their passion surrounding personal finance and what are members can expect in future episodes.</p>]]>
      </itunes:summary>
      <itunes:keywords></itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:transcript url="https://share.transistor.fm/s/d1a82dc2/transcript.vtt" type="text/vtt" rel="captions"/>
      <podcast:transcript url="https://share.transistor.fm/s/d1a82dc2/transcript.json" type="application/json"/>
    </item>
  </channel>
</rss>
