Elaborate. What expenses do HPD officers incur that the department doesn't pay for?
I'm not sure if you're serious and really want to know or just trying to bait a response...
I'll just keep it basic and hopefully you'll get the idea.
Financial expenses: Well, not everything is issued, so officers get an annual clothing/equipment allowance. Thinking "Ooh more money..."? No, it's barely enough and most officers can burn through it just on dry cleaning. Should they damage their uniform? They need to get it professionally mended (if still serviceable) but many just replace out of pocket to meet department standards. Even then, the majority of officers have several sets of uniforms that they bought themselves. It's NOT cheap. I know there are a bunch of other things that HPD (and most other departments) does not pay for, but going into it would be pointless...all one needs to understand is that it falls upon the officer to pay.
I believe the personal expense part is self explanatory. Most officers have pretty jacked up home lives, which explains the high divorce rate. Whether it be never being around or, as Bunker mentioned, living with crap normal folk would never understand...it all takes a toll that $4800/mo will never make up for.
Any hours worked over 40 pay overtime
Says who? You're obviously still thinking they work an 8 hr x 5 day week. They don't. With administrative time before and after assigned shifts? An officer can put in 10-12 hours or more a day. They don't punch a clock, so the whole anything over 40 pays overtime is B.S., that's NOT how it works. In a lot of ways, they're like any salaried worker: the shift ends when the work is done. But unlike normal salaried employees, they don't take work home and can't put off doing reports until the next day. It could be anything from doing required reports to transporting someone they have in custody...the job ends when the job is done. All part of their shift, no overtime.
Sure they get overtime, but that's a whole process in and of itself. They have to fill out a form and submit for approval...and it's not always approved. Things like giving a deposition, appearing in court, or being called in to cover a shift? Sure, approved. But working an extra 4 or 5 hours directing traffic because some idiot wrecked on H-1? Not so much, because it's part of the job (shift ends when the work is done).
These are just simple examples, but I think the easiest way to understand would be to stop trying to apply civilian ideas of how things work.