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About Me

Ryan Luke is a father of three, a husband, finance blogger at [link-omitted], and full-time police officer. Through proper budgeting and money management, they have been able to live off one income and build wealth at the same time. As an active member of the personal finance community, his goal is to educate and help people get out of debt and build wealth!


Welcome! My name is Ryan Luke and I am a police lieutenant for a large agency in Arizona. I have been a sworn law enforcement officer for over 15 years and love what I do.

I am also married with three children and work off duty jobs like the rest of you. In addition, my wife is a stay at home mom so I know how much finances can impact the stress in our homes. 

I have always been interested in personal finance and the mystical way that people were able to live debt free and exponentially grow their wealth. The problem was, I had no idea how to do it.

I Want To Trust Others - But It's Hard

A little over 10 years ago I decided to meet with a financial advisor. During the meeting, I couldn’t help but look around the room and judge everything I was being told. I wanted to trust the advisor but I couldn’t help but feel like she only wanted my money. 

Long story short, I left that office feeling even more uncomfortable with people in the finance industry. You can read more about my experience with the financial advisor if you want to learn more.

I decided that if I wanted to protect my family financially, I needed to at least learn the basics of personal finance on my own. This began my long self-taught process by reading every finance book I could get my hands on, attending financial seminars, and actively listening to financial podcasts. 

I quickly learned that financial education is something they do not teach us in school, at home, or in the police or fire departments. 

Financial literacy is a first responder wellness program that is missing in most of our employee wellness classes.

Fast forward 10 years and I have committed most of my free time to running this blog. 

First Responders Don't Have To Be Poor

Throughout my career I repeatedly heard, “we didn’t become cops for the money.” This statement usually is said by those of us who have too many payments, and not enough money at the end of each month. 

However, I have found that even on a public servant salary, we can still retire millionaires – in addition to our pensions! It’s not as difficult as you may imagine.

This blog is dedicated to help you understand how to take control of your money, live debt free, and retire with more cash than you ever thought possible.

The Mission Of Arrest Your Debt

There are three main areas of focus for Arrest Your Debt:

1. To provide trustworthy personal finance information to first responders.

2. To help first responders take control of their money and get out of debt.

3. To provide valuable resources and references to first responders to help them grow their nest eggs and enjoy the retirement they deserve.

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