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Michelle from the website Savvy History is a history teacher by day and musician by night. She talks about her upbringing and why academics and music are so intertwined in her life, why her husband decided to leave the music business and how they managed to make their finances work while figuring out their life path. Plus the one thing Michelle’s most grateful for throughout this entire journey.

Stick around to the end of the episode where you’ll learn some takeaways about why you don’t need to monetize your passion or hobby.

Resources:

• Steve Lillywhite Discography
• Savvy History
• The Modern Trap of Turning Hobbies Into Hustles
• Not Everything Is a Side Hustle
• Start an Emergency Fund - FINRA.org
• Emergency Fund: What It Is and Why It Matters

*theme music by Donovan Dorrance

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Charis Hill is a professionally disabled writer, speaker and model living with Ankylosing Spondylitis (AS), Major Depressive Disorder, Anxiety and Post-Traumatic Stress Disorder. Charis talks about how they have to rely on food stamps and Medicare while living on $12,000 a year, why they had to do things like keep cash on hand when going through the homebuying process, and why Charis feels lucky despite the many systemic barriers stacked against them.

Stick around to the end of the episode where I’ll distill some takeaways including some insights into the housing situation for lower income residents in the U.S.

Resources:

• Medicaid eligibility requirements
• I'm a disabled American living in poverty, and buying my house gives me 2 things: stability and a home
• Disability Benefits - Social Security Administration
• Becoming Incurable - Charis featured in this documentary
• The Privilege of Having Enough
• Buying a Home a FHA Loan
• What are ABLE Accounts?
• Follow Charis in Twitter

*theme music by Donovan Dorrance

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Adam Kol comes on the show to chat about why and how he’s chosen to "ignore" his $350,000 student debt, how he feels about it from a logistical and emotional point of view and why his strategies might change if he’s in a serious relationship. He is a couples financial counselor who draws on over a decade of experience as a Certified Mediator, relationship coach, financial advisor, and a former tax attorney. 

Resources:

• Jay Fleischman - student loan lawyer
• Public Service Loan Forgiveness (PSLF) (StudentAid.gov)
• This federal program that wipes out student debt is struggling. Here’s how to get it right -CNBC
• AHK Coaching
• Follow Adam in Instagram
•  "Your Relationship with Money and your Honey" Quiz 

*theme music by Donovan Dorrance

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Join host Sarah Li-Cain as she previews topics for season 6 of Beyond The Dollar, with more honest conversations about how money affects your well-being from humans, just like you, coming February 19th. Subscribe for updates.

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This bonus episode will explore the concept of having “enough” in your life and how that can affect your financial life. It’ll also explore what happens when you’re not clear on what your version looks like (hint: it sucks big time) and what some of our fears are around reaching “enough.” Listen to the end of the episode where you’ll learn a simple guideline to figuring out your enough number.  

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I updated my values based spending guide with more juicy questions to dive into your relationship with money, so I thought why not guide you through it in today’s bonus episode! Grab the free guide (including some simple worksheets) so you can be a total badass with your money.

You can use this process once a year (or as often as you like) to see if you’re on the right track. Since y’all are wondering what to do after you discover your values, there are a few questions that help address that in the guide.

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This bonus episode will cover navigating tricky conversations about money with those around you. It'll be looking back on two episodes from season 6 (one about talking to your parents and another about negotiating with your boss) to talk about a simple framework you can use to navigate tricky conversations.

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John Morrow, a 69 year old retiree from Lakeland, Florida, comes on the show to chat about his financial regrets - including the fact that he’s now relying on a tiny pension and meager Social Security benefits after squandering his 401k funds on multi level marketing companies. 

He chats about what it means to live at the U.S. poverty level since his wife passed, the biggest financial regrets he’s had, what he’s doing to take responsibility for his actions now and what he wishes the younger generation learns from his story.

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Beau Humphreys comes on the show to chat about how he started gambling at a young age, became addicted as an adult, why he used gambling as a coping mechanism for his undiagnosed ADD, why he felt like he had to file for bankruptcy, when his last relapse happened and how he's been doing since that time.

Resources:

• Debt Settlement vs. Debt Management Programs: What’s the Difference?
• BeauHumphreys.com
• The Personal Finance Show (here’s the episode I was on) 
• National Foundation for Credit Counseling

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Amanda Holden, founder and investing teacher at Invested Development came on to chat about her sexual assault while on a greyhound bus on the way to a work presentation, why she regrets not reporting the incident to the police, the real opportunity costs as it pertains to sexual trauma and some of the hard questions we need to think about when it happens to us.

Stick around to the end where I’m going to debrief our conversation and what we can all do to support each other during such trying times.

What You Hear in This Episode:

• Why victims feel like we have the weight of responsibility to not inconvenience others, and how it affects our ability to make money
• Why Amanda was upset she didn’t report the incident to the police
• Other ways sexual trauma can affect our work lives and ability to manage our money
• How the aftermath of sexual trauma can lead us to spend more money
• What Amanda feels we need to do if we experience traumatic events

Questions to Ponder:

• What can you do to budget in ways to make you feel safer when traveling or navigating a toxic environment?
• What are some ways you can do to allow yourself to process emotions in a healthy way?

Resources:

• The Dumpster Dog Blog
• Invested Development
• Follow Amanda on Instagram
• National Sexual Violence Resource Center
• American Counseling Association 
• National Sexual Assault Telephone Hotline