Episoder
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The Ladies Who Crunch pop off to talk banks! Silicon Valley Bank - Signature Bank - Credit Suisse - First Republic BankâŠfinancial institutions are on a wild ride of their own making.
This popup episode reviews how banking works, digs into the hand-waving ways risk is assessed, and touches on why any of us might care about non-big-banks collapsing and if a bank collapse is something we want to experience or not.
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In this episode, we discuss the conflicting leftist desires behind wanting to start or scale a business in order to avoid working for the man â and fearing you might turn into âthe manâ youâre trying to avoid in the first place.
We look at the anxieties that come up: exploiting others, making enough money / charging, earning money feeling somehow inherently wrong, being a good boss not a shit one.
We also talk the ways running your own business can still be better than other options: sourcing locally, paying living/thriving wages, creating a workplace that doesn't suck.
There is no gold star in capitalism - but there might be ways to create work that doesn't make it worse. Is that good enough? Listen to the episode, and you decide. As always, let us know what you think on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
Bottom Lines Top Dollars is a podcast about all the money things you suspect might be ruining your life, hosted by Hadassah Damien from Ride Free Fearless Money, and Laura Boo MacDonald, CPA. This episode was recorded in March 2022, and edited by Erica Ricketts. More information about us and this podcast can be found at ladieswhocrunch.club.
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Retirement, the state of having worked in the past but now being done with working, is a troubled concept. Given that it is a marginally possible golden carrot dangled in front of working life, how do you prepare to make it happen, when do you want it to happen, and how can you craft a post-work identity - when it happens or otherwise?
For a lot of people, not working is the thing people talk about with the most anxiety.
In this episode, we look at the history and concept of retirement in order to understand how it works, how people make it happen, whatâs weird about it, and what early retirement â the alternative retirement timeline â is about.
Bottom Lines Top Dollars is a podcast about all the money things you suspect might be ruining your life, hosted by Hadassah Damien from Ride Free Fearless Money, and Laura Boo MacDonald, CPA. This episode was recorded in March 2022, and edited by Erica Ricketts. More information about us and this podcast can be found at ladieswhocrunch.club. Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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How do you prepare for a big financial purchase? Besides dreaming you also need to scheme because itâs all about putting yourself in a position to woo the unholy trinity: credit, capital, and income. FUN TIMES.
We tell you how to get in the best position to get that sweet bank money â yes, get into debt, on purpose â so you can get that tricked out van/pirate sailboat, cooperative farm, or just a regular house or business loan. Learn how to eat the bran muffin of improving your credit, fancy bankerspeak, and get excited to move from the depressed nothing-will-ever-change hole of capitalist nihilism into a strategic and shiny sea of possibility.
Bottom Lines Top Dollars is a podcast about all the money things you suspect might be ruining your life, hosted by Hadassah Damien from Ride Free Fearless Money, and Laura Boo MacDonald, CPA. This episode was recorded in March 2022, and edited by Erica Ricketts. More information about us and this podcast can be found at ladieswhocrunch.club. Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Much like the undead, debt can haunt and stalk you and limit whatâs possible in your life - that is shitty debt. And however you got this shitty debt, which may be some bullshit: now itâs your bullshit - so now what?
This episode guides you through mindsets and steps to deal with the feelings and face debt head on. Youâll learn how to understand your finances in terms of choice and how to use that framework to slay your debt and set yourself up to get ahead - so you can jump on the actions in the rest of this seasonsâ episodes.
Bottom Lines Top Dollars is a podcast about all the money things you suspect might be ruining your life, hosted by Hadassah Damien from Ride Free Fearless Money, and Laura Boo MacDonald, CPA. This episode was recorded in February 2022, and edited by Erica Ricketts. More information about us and this podcast can be found at ladieswhocrunch.club. Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Bottom Lines Top Dollars third season focuses on Practical Ways to Thrive in Capitalism. First - you donât have to love work, but you donât want to hate your life. NOW WHAT?
In this episode, we explore Jobs That Donât Suck. Specifically: what makes a job be awful and not, how to get one of these jobs, and what to think about as youâre on your way to the negotiating table for that job. This episode will be relatable if the idea that youâre going to have a job youâre going to love so much no matter what you do is a horror movie.
To be clear, getting a non-suck job doesnât mean capitalism is ok or feasible - just that you are finding a âmiddle groundâ so you donât live in misery, which as we all know is the punishment for not being successful and/or privileged under capitalism.
Bottom Lines Top Dollars is a podcast about all the money things you suspect might be ruining your life, hosted by Hadassah Damien from Ride Free Fearless Money, and Laura Boo MacDonald, CPA. This episode was recorded in February 2022, and edited by Erica Ricketts. More information about us and this podcast can be found at ladieswhocrunch.club. Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Listen up small business owners and future owners, this episode is for you!
Having a business can directly grind against punk-credible assumptions and preferences: youâll have to work with government systems and try to make money after all. Cuz if you fail, you [and your employees!] may have to work for The Man again.
Weâre here to help in this episode. Learn how to manage the Ways You Might Have to Interact with the Government as a Small Business, and How To Provide For Myself and Others Doing Something I Like Without Feeling Icky
Bottom Lines Top Dollarsâ 2021 season told stories from our fabulous punk youths, and examines ways of thinking about money that came from these times.
Bottom Lines Top Dollars is a podcast about all the money things you suspect might be ruining your life, hosted by Hadassah Damien from Ride Free Fearless Money, and Laura Boo MacDonald, CPA. This episode was recorded in August 2021, and edited by Erica Ricketts.
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So it's been a while huh? Well.... let us explain....
In this episode The Ladies Who Crunch talk about how sometimes shit goes a little sideways in life and we cope by doing something that only makes it worse: GHOSTING. When we ghost on part (or all) of our lives, we tend to dig ourselves a hole that is hard to climb out of. In this episode we discuss how to come back from exactly that kind of bullshit, whether that's with your friends, your collaborators or your finances (think taxes, debt and other forms of money-based-boogeymen).
Given that we ourselves are coming back from our own state of "overwhelm", we decided that we just needed to put something out there into the world in the most simple, direct and quick way possible. So this episode is actually completely uncut and un-edited, it's our full and unscripted conversation from start to finish. It's a little different than our previous episodes, but we wanted to publish fast, so here it is.
We will be returning with Season 3 in April 2022!! Until then, please send some love and say hello on social media, even just to let us know that you haven't forgotten us and that you are still excited about the show despite our recent absence.
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This is our final episode of Season 2 and our final journey through this season's theme of punk storytelling as a mechanism for understanding our own relationships with money. And in this episode, The Ladies Who Crunch give our dear listeners an end-of-season parting gift: A guide to building a strategy to change your life! From the lofty process of visioning all the way back down to earth-bound planning tools, this episode's goal is an old school DIY workshop for giving yourself a future after the punk paradigm of "no future" stops working for you.
Using our own experiences as punks who had "oh fuck" moments that motivated us to change our careers pretty drastically as examples, this episode is full of our hard-won wisdom about making big changes in their life. In this episode we talk deep tactics, including:
Confronting our own belief systems that may no longer be working for us so that we can make space for change Exercises and prompts to help you figure out what you do want or where to go from here, even if the only thing you know right now is what you don't want and/or that you need to get the hell out of wherever it is that you are. How to take your (potentially boundless or messy) vision and use some of your DIY punk skills + research to frame it within reasonable boundaries and find that first foothold that will set you on your journey Discussion of how change can be have many faces, some that feel like growth and liberation and others that feel like letting go or saying goodbye Tips on what NOT to do when trying to make big changes so that you don't end up more fucked then before you even started this journeyPLUS A BONUS! At the end of this episode we give you a preview of some of the episode topics that will appear in SEASON 3 (planned for fall 2021).
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This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your longer-than-expected life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Leonard Cohen said, âthe poor stay poor, the rich get rich, thatâs how it goes, and everybody knowsâ. Well, once you know, then what?
In punk culture, there's a general understanding that the world is fucked up and unfair. But what does that actually mean? If the outcome of the game is predetermined (and you are pretty sure you are a born loser), then what do you do? Do you walk away from the table? Flip it? Set it on fire? Try to cheat? If winning this game makes you a capitalist pig but losing means you don't have enough resources to get by, is there a third option that isn't winning or losing?
In this episode of Bottom Lines Top Dollars, we go deep into confronting a key concept in punk culture that kept both of us from engaging with money for a long time: the idea that capitalism is un-winnable for most and a golden ticket for the few. And though we don't disagree with that idea, we discuss how this dichotomy can result in social norms that discourage understanding the fundamentals of money and economics and may not be helpful in finding ways to survive (both as individuals and as a world falling over the edge of crisis). You already know that both of The Ladies Who Crunch are queer punks who made careers in finance, but this episode really digs into how doing this required breaking away from the dichotomy of "drop out or sell out" to carve out new paths for ourselves. It is clear that we have more questions than answers, but this episode is all about that process of finding new ways to engage with money (& how we earn it & the stuff it buys) that allows us to personally thrive while still being in alignment with our values.
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This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your longer-than-expected life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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In this episode the Ladies Who Crunch go deep into the dark topic of dealing with death, both that of the people you are connected to in this life and (eventually) your own. Whether you are terrified of talking about it or youâre that goth kid who loves to talk about it or youâre just that punk for whom living fast and dying young just didnât happen (yet), this episode gets hella practical about the money issues that intersect with death: funerals, wills, settling an estate, inheritance, and that one other unavoidable aspect of live: TAXES.
In this episode Hadassah and LB talk about:
· What to expect if you are the person (or one of the people) responsible for handling âthe arrangementsâ for someone who has passed away
· What options you have if thereâs absolutely no money available to pay for a funeral
· What exactly is an âestateâ (yes everyone has one, even if that is just your record collection) and how exactly does it get âsettledâ?
· Planning for your own death, from the funeral all the way to who gets your shit, especially if you want your not-legally-bound-to-you chosen family to be recognized as your next of kin instead of your potentially problematic blood relatives
· Strategies for making your passing less onerous on your loved ones, including some tips on how to make sure your funeral gets paid for
· Inheritance! Both what to expect if you expect to get some and how to make sure you create some inheritance for others
· Wills, wills, wills! Why you need one, how to make one, mitigating the risk of your family and friends getting into conflict about it, and some tips for adding some final fuck youâs (or I love youâs) in yours.
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This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your longer-than-expected life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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In this episode the Ladies Who Crunch reflect on the coolest and best paid jobs that we all worked (or wanted to work) in our punk days, which were all strangely gigs that involved earning tips (bartenders, strippers, fancy restaurant workers), and ask, "was that shit actually as good as we thought?" And from that starting point, we go deep into the economics of tipping cultures: the good, the bad, the inequitable!
In this episode we discuss:
How jobs compensated by tips create income precarity for the worker in the present and (potentially) in the future How employers use labor models like this to off-load risk from themselves onto their workers How handing over responsibility for part of your wage to customers invokes the curse of the million bosses How racism and sexualization impact earnings more blatantly when workers receive tips How these jobs have been impacted by the economics of COVID-19, including âmaskual harassmentâ [pull down your mask and Iâll give you a tip], lowered sales volumes and decreased tips rates. How these models of variable pay rates are being replicated throughout the economy.----
This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your longer-than-expected life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Under capitalism we are all supposed to be self-sufficient, competitive and selfish individuals if we want to ensure we have (more than) what we need in life. Punk culture has long defined itself in opposition to this, choosing to build up beautiful communal sand castles. But how do we continue to work towards building communal wealth with lovers, partners, friends and our overall community without falling into all the same old conflicts that led the punk houses of our youth to fall apart?
In this episode of BLTD, the Ladies Who Crunch explore tactics for creating harmonious communal financial systems instead of hostile ones -- finding the middle ground between enduring 3-hr collective consensus meetings and sacrificing one person to become the keeper of the binder bills who everyone will resent and treat really shitty. Whether your goal is to band together with friends to finally afford a home in this nutty housing bubble, to start a business or buy a car you intend to time-share with your bestie or to deeply blend your finances with a life partner (platonic or otherwise), this episode will help you get past the anxiety and learn concrete strategies for making it work.
Also included in this episode:
Memories of our own dreamy and/or drama-filled collective living experiences Discussion of why it is so hard to discuss money-stuff with others Understanding what circumstances require getting that shit in writing Tips for healthy communications about shared finances (i.e. our version of radical candor combined with all our learnings from decades of negotiating activist consensus meetings) A deep dive into de-risking entering into financial contracts with others, from dealing with inter-personal loans to building up communal emergency funds Hot takes on what to do if despite taking all our great advice, shit still falls apart A lot of very joy-filled laughs from your hosts Hadassah & Laura Boo----
This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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How do you value your time? Especially when weâre also forced to value our labor time: does anyone really have a grasp on what âenoughâ money is, when itâs our lives we are trading it for?
This episode grapples with ways to approach understanding whether what we are earning is "enough" (or maybe even too much?) to sustain what we want and need in life, especially if you are struggling to transition from a punk/artist/non-profit or otherwise alternative economic lifestyle to one that doesn't force you into unhealthy precarity. The Ladies Who Crunch walk you thru a bunch of different hands on activities to help you see this problem from different angles so that you can re-set your sense of monetary scale to help empower you to advocate for an income that makes more sense for you in the here and now. And yes, these activities are inclusive of both wage earners and the self-employed! This episode lays essential groundwork to shift your thinking about your income goals when you and everyone you know has always made very little, so that in future episode(s) we can tackle the issue of actualizing those goals.
Plus! In this episode you'll hear lots of punk stories and random chatter, such as:
Whatâs the punkest thing you did to avoid spending money? When you were a dirtbag, what did you think was "a lot of money"? Is garbage picking really better than a job? How can we reframe âknow your worth!â without having to financialize our every moment of time on the planet as human beings? Tips for making a realistic budget that doesn't omit important shit and results in you ending the year broke and pissed off----
This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Western narratives LOVE the âhero,â but itâs much more punk to be in touch with the reality of the many people who feel they are losing out.
In this day and age, that means people who have burdensome debt. 13% of Americans expect to be in debt the rest of their lives, and most people with student loans feel confident they will never go away. This experience is in stark contrast to the methodology of leverage that wealthy individuals and well-capitalized organizations employ, using debt as cheap capital and not a life sentence.
In this episode we re-imagine debt from the peopleâs point of view, offering three ways of dealing with debt: the âdrop out and avoid,â the nihilistic âcatch me if you can,â and the Debt Collectiveâs activist âtear it down collectivelyâ approaches.
In this episode, youâll learn the difference between cancellation and forgiveness and how it plays into larger movements for social justice, as well as options for debt cancellation, like how Iceland responded to the 2008 crisis in a citizen-centered, peopleâs bailout.
The Ladies Who Crunch started this episode reading The Debt Collectiveâs book, Canât Pay, Wonât Pay as a jumping off point for reimagining the concept of indebtedness as immoral, and one that should be time-bound, with a guarantee of an end, and weâre indebted to their thought leadership and labor.
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This episode is part of our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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In this episode, the Ladies Who Crunch explore minimum wage, living wages, and the idea of maximum wages. Income inequality in the US and Canada is worse than it was in the 90s, and we were mad about it then, when we worked minimum wage jobs.
Stories youâll hear include: what minimum wages jobs weâve had, who was the last person in your family to make minimum wage, and were they able to live off it? Youâll learn how minimum wage relates to living wages [hint: itâs lower than the basic minimum needed] and how maximum wages have been incentivized in the past, and how they show up today.
If you want to learn more about how income inequality negatively impacts society, democracy, and work, check out Season 1 Ep 3, on Billionaires.
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This episode is the first in our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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Kicking off BLTDâs second season on punk and money, Laura Boo and Hadassah go back into their punk origin stories from the 90s to analyze the time-hardened debate: is it more punk to drop out of society and not work, or to ârobin hoodâ your employment and extract from the extractors while doing the minimum?
Outsider experiences have a lot to tell us about the underbelly of our social systems, and for decades punks and other counterculture types have cultivated lives outside the work+spend til death norm. Values like anti-oppression, anticorporate, antiauthoritarian, anti-consumer, anti-globalization, and on drive this worldview.
So how does someone come to this point of view? And once there, how do you meet your needs and function? The Ladies Who Crunch dive into their pasts to explore how punk identity impacted how they thought then and think today about making and spending money.
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This episode is the first in our second season. We are calling this season "Punks Not Dead and Capitalism Still Sucks" and it explores the question: how did 90s and 2000âs punk intersect with money, and what can that teach us today? What if you donât âLive fast die young,â but have to meet needs over the course of your life instead?
Listeners will hear stories -- from âthe punkest way I ever made money,â to âthe worst minimum wage job I ever had,â to âmagic bullshit I did to try to avoid workingâ -- as well as learn facts about how the financial systems around us operate.
The show is written and produced by the Ladies Who Crunch: Queer femme artist/organizers turned financial professionals Laura and Hadassah, who explore the alternative ways of being that crafted the bedrock of who they are today to understand what they learned - and had to unlearn - from punk in order to figure out their money lives and to understand financial systems.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
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In our final episode of Season 1, we take a hot minute to reflect on the year that was 2020 and what it might mean for our future. Specifically, we dig into the massive wave of grassroots and hyper-local mutual aid responses to the COVID19 crisis and how these events are both tied to a deep and rich history but also potentially to a better future. We discuss how disasters and moments of crisis can create turning points of change, and how that change grows upward from community responses rather than coming from the top down. We connect this back to tensions we see escalating between pro-democratic movements and the continuing rise of fascism backed by racism and mythological calls to go backward into a past that (actually) never existed. Throughout this episode we ask ourselves and listeners to both reflect on what we all just endured together and dream about how we can collectively respond to what is coming, potentially moving away from hyper-individualistic and competitive economies towards economies that are more caring and sustainable, based on gifting and relationship building.
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
Special thanks to our researchers Ariel Federow and Handy Levine. ----
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In this episode the Ladies Who Crunch open up the mail bag and answer questions sent by listeners! This episode includes:
Some great end-of-year tax tips for those who are self-employed (aka "sole proprietors")
A dive deep into the murky world of tax write offs and how they are both legit and necessary for anyone running a business and also ripe for abuse by those with the means to get away with it.
A list of book recommendations about envisioning post-capitalist worlds, alternative ways of exchange, eco-activist personal finance theories, debt forgiveness and revolutionary histories.
Psychics!
If you have questions, don't hesitate to get in touch! We plan to make Listener Mail a staple of every season :) We have also received some great ideas from listeners for entire episodes. We are currently planning season 2 so if you have anything you want us to include, get in touch!!!
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
Special thanks to our researchers Ariel Federow and Handy Levine.
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In this week's episode of Bottom Lines Top Dollars we discuss a question that many punks, weirdos, leftists, environmentalists and anti-capitalists ask themselves when they become financially stable: what do I do with my extra money? Investing your excess cash is an important way to save towards retirement, but can it be done ethically? Is it possible to grow your savings without contributing to bad things in the world (massive carbon emissions, pollution, unfair and exploitative labour practices, etc). Concerns about the ethical implications of investing your money can sometimes keep people from taking action for their own futures. In this episode we discuss all of this and some strategies you can use to feel better about what you do with your savings.
If any of these questions interest you, then you should listen to this episode: Why does investing our money scare us? What is investing and how do you do it? What are stocks and bonds and how do they make you money? What are RRSPs, IRAs, 401ks? Is investing inherently unethical? If you think of yourself as an anti-capitalist, does your participation in profit from property make complicit in all kinds of horrible shit? If you do decide to invest your money, is there a way to do so ethically? Can you use your investment money for good? To invest in green companies or push for positive change? What are impact funds or ESG funds? What is values-based investing? How do you evaluate an investment firm to know whether their funds actually meet your ethical standards? How much time and effort is required to actually invest ethically? Is it a realistic goal for the average person?
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The Ladies Who Crunch are Hadassah Damien and Laura Boo. More information about us and this podcast can be found at ladieswhocrunch.club.
Please follow us on Instagram (@bottomlinestopdollars) and if you want to send us questions or episode ideas, email us at [email protected].
Special thanks to our researchers Ariel Federow and Handy Levine.
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