Today we’re closing season 3 with the ur-topic of personal finance: is your success in life ultimately a product of the amount of personal responsibility you exercise or the systemic barriers that surround you? To answer this question, we talk to two experts: Diana Elliott, a sociologist and researcher at Urban Institute who studies systemic barriers, and Charlotte Cowles, a journalist who writes about money for New York Magazine’s The Cut and New York Times and has interviewed hundreds of people about their money habits. Make sure you're subscribed wherever you listen to podcasts so you get bonus episodes that we share this summer, as well as news when season 4 drops in late summer 2019.   Links from the show:  Diana Elliott’s bio Diana Elliott’s Twitter Urban Institute Charlotte Cowles on The Cut Charlotte Cowles’ Twitter  Kellogg School report on economic mobility perceptions “Behind the Curve” flat Earth documentary Breakmaster Cylinder on Bandcamp 

#30 - Personal Responsibility Vs. Systemic Realities

“The best podcast for women” — The Balance | “A must listen podcast for anyone who is ready to change the status quo” — Forbes | The Fairer Cents is an educational finance and career podcast all about the different economic realities facing women, people of color and other marginalized groups. Hosted by Tanja Hester, author of Work Optional, Spend Like You Give a Sh*t, and the Our Next Life early retirement blog, and Kara Perez, founder of women's financial literacy startup Bravely, The Fairer Cents tackles sticky money and financial issues like the wage and wealth gap, the economics of motherhood, emotional labor, women's ambition, why we need financial feminism, the roots of economic inequality and more. We don't shy away from hard conversations, but we do it all with laughter, and always with a focus on what action you can take in your own life. That's why we've been recommended by US News, Forbes, Essence, The Balance, Mic, Evening Standard and many more. Subscribe now.

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Season 4 has been our favorite season yet of The Fairer Cents, and today we're talking about our favorite moments and reading lots of listener mail we've received, some of it inspiring to financial feminists everywhere, and some of it heartbreaking.   We'll be back soon, so make sure you're subscribed so you don't miss any new episodes when they're ready. And in the off-season, check out the links below for all the places you can find Kara and Tanja online. Stay safe and healthy! Kara:  Kara's site, Bravely Kara's Instagram Kara's Twitter  Tanja:  Tanja's site, Our Next Life Tanja's book, Work Optional Tanja's Instagram Tanja's Twitter Tanja's Facebook page 

Bonus: Season 4 Wrap-Up

This is the second episode in a two-part mini series on money in our relationships, today exploring money and family (most especially parents), AND it’s the last full episode of season 4. Before we dive in to talk about family, we’re talking about the coronavirus pandemic (COVID-19) and the stock markets crashing, because they’re way too important not to discuss, including steps to take with your money and how to make sure you prioritize self care at a time that feels completely chaotic, especially for women. Our guests to talk about navigating financial family relationships are Cameron Huddleston, author of Mom and Dad, We Need to Talk: How to Have Essential Conversations with Your Parents About Their Finances, and Revanche, author of the blog A Gai Shan Life. They both share advice and stories of navigating tricky money relationships as women, both positive and negative, and looking out for yourself in the process. Be sure to subscribe so you don’t miss our season 4 wrap-up episode and any bonus or mini-series episodes we drop, as well as our season 5 premiere when it’s time. Thanks for being a part of The Fairer Cents community. Stay rad!   Links from the show:   BuzzFeed debunking coronavirus myths Cameron Huddleston’s book Cameron’s Twitter Revanche’s blog, A Gai Shan Life Revanche’s Twitter Revanche’s blog posts on cutting off her dad 

#40 - Exploring Financial Relationships, Part 2: Money and Family

This is the first episode in a two-parter about how money impacts our relationships, and how we talk about money within those relationships. Within friendships, it’s a big social taboo to discuss money, right up there with politics and religion, but there are massive benefits that can come from breaking that taboo, from getting to know your friends on a deeper level, to feeling seen and known yourself, to even opening up the opportunity to do cool projects with friends (like this podcast!). Our guest is Kiersten Saunders, who writes the blog Rich & Regular with her husband Julien, and who fights for inclusion and racial equality in the financial independence space.   Links:  Ecuador Chautauqua information – Hang out with Kara, Tanja & Kiersten for a week in August! Kiersten Saunders’ blog, Rich & Regular  New York Times story on women in the FIRE movement  Bank of America survey on money and friendships  Away CEO expose on The Verge 

#39 - Exploring Financial Relationships, Part 1: Money and Friends

This is the second in a two-part series on the evolving nature of careers, especially as it pertains to women and people of color, today focusing on the myriad ways our current work world doesn't work for women. We've talked before about the economic disadvantages that mothers face in the workplace and across their entire careers, as well as the costs of beauty double standards, but we're now layering in the costs of disability -- which will affect 1 in 4 women during our lifetimes -- and how our economy forces many women to be seen as disruptors whether they want to be or not. Our guests are Tiara Mercius, who has a legal career and advocates on behalf of disabled people, and Christabel Nsiah-Buadi, a journalist working to share stories from unrepresented voices, but who has had to create her own path to do so. Links from the show:  Ecuador FI retreat with Kara & Tanja Tiara Mercius's blog Tiara's blog post: An ADA Fail Christabel Nsiah-Buadi on Twitter Christabel Nsiah-Buadi's website My Lens Media pieces on PRX The Media Disruptors on PRI CDC Statistics on Disability 

#38 - Evolving Careers, Part 2: How Careers Aren't Working for Women

This is the first in a two-part series on the evolving nature of careers, especially as it pertains to women and people of color, today focusing on creating your own path when there is no road map, whether that's because you're trying to break into a legacy industry without connections, or because you're literally heading out into uncharted territory. Our guests are Jada Gomez, senior platform editor at Medium (and formerly of Bustle, Time, People and a slew of other prestigious media outlets), and Paula Pant, creator and host of the Afford Anything podcast and blog, both of whom got where they are today despite there not being a well-trod path laid out in front of them.  Links from the episode:  Jada Gomez on Twitter Jada Gomez on Medium Paula Pant's Afford Anything blog and podcast Paula Pant on Twitter Tanja's blog post about keeping money and creativity separate 

#30 - Personal Responsibility Vs. Systemic Realities

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