The MoneyGigs

Cliff Adams

By gigging musicians, for gigging musicians.

Episodes

  1. Joe Cowels - The Playing Part's Free

    4d ago

    Joe Cowels - The Playing Part's Free

    Send us Fan Mail Joe Cowels has played over a hundred shows a year for two decades, from dive bars to studio sessions, and he's got the stories to prove it. Including the one where a venue owner sat him down at a desk with a notebook and a pistol to talk about a three minute overage fee. In this episode, Joe and Cliff talk about what actually pays the bills as a gigging musician: how to find venues that respect your time, why a simple email is better protection than a contract, how AI jingle software has changed the session work landscape, and why Joe tells every kid who wants his life to go be a dentist instead (then explains exactly why he means it). This episode also kicks off a giveaway. Joe hand built a Plum Crazy Purple Strat style guitar, and he's giving it to one MoneyGigs listener. Download the app, use code INV-JCWLS, and you're entered. Full rules at themoneygigs.com/giveaway. Find Joe at https://joecowelsmusic.com/. 00:00 - Intro & Sponsor  01:13 - Meet Joe Cowels  05:34 - "Go Be a Dentist" – Why Music Is a Business  11:41 - Speed Is a Question of Money  12:40 - Vegas: Life Inside the Blue Tape Box 21:38 - The Playing Part's Free 25:54 - The Pistol on the Desk 37:07 - The Kroger Math  45:09 - AI and the $1,200 Jingle Problem  47:17 - Always Be the Worst Musician in the Room Know your worth. Download MoneyGigs free on iOS and Android.  Sign up for the public venue database and arrive more prepared for gigs and help other musicians do the same.  Just $2/month. #GiggingMusician #MusicBusiness #LiveMusic #BluesRock #SessionMusician #MusicianLife #IndependentMusician #MusicPodcast #GuitarGiveaway #KnowYourWorth Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    49 min
  2. Heart Attacks, Mosh Pits & the Gig Life - with JR Stoffel of BYNHOPOD.COM

    Jun 25

    Heart Attacks, Mosh Pits & the Gig Life - with JR Stoffel of BYNHOPOD.COM

    Send us Fan Mail JR Stoffel has been at Crutchfield since June 3rd, 1996 — 30 years of training people to talk about audio gear — and he still comes home at 2 AM most nights. He's a drummer, a musical theater performer, a disc golfer, a Toastmasters president, and the co-host of Bands You've Never Heard Of, a podcast dedicated to finding artists before the world does. Oh, and he survived a heart attack he didn't know he was having — in a Dropkick Murphys mosh pit — then played a gig two days before triple bypass surgery. He was back on stage two months later. This one's a genuine peer conversation. We talked about the invisible workload of being in a loud rock band that plays quiet venues, why JR trusts Gary to book everything, and what that feedback loop actually looks like, how a rising tide floats all the boats when your podcast guests promote their own episodes, and what it means to treat every unsigned band like the rock star they're going to be. We also got into self-promotion squeamishness, the identity bridge between musician and businessperson, whether listeners actually want authenticity or just say they do, and why the cliche podcast questions are the ones that kill the vibe. JR is real. This episode is real. If you're doing it all at once and wondering how long you can sustain it, this one's for you. Find JR: Bands You've Never Heard Of | wherever you listen to podcasts MoneyGigs App: themoneygigs.com — track your gigs, know your worth Guitar Giveaway: themoneygigs.com/giveaway 0:00 Intro & sponsor — Tryfloral.com/themoneygigs 0:58 Meet JR — Father's Day, Come From Away, and 30 years at Crutchfield 3:45 The musician-adjacent day job 4:12 How a djembe at a winery became a loud rock band 6:44 When venues say they can handle the volume (they can't) 7:34 Playing background music vs. being the center of attention 11:54 Trusting Gary to book everything 13:42 Time — the invisible workload of doing it all 15:34 How JR keeps going (and doesn't slow down) 16:18 The heart attack in the mosh pit 17:26 Triple bypass, two days before a gig 19:54 Alcohol, family patterns, and the music industry 21:40 Two podcasters compare notes — what actually moves the needle 23:02 How to ask questions nobody else asks 26:13 Getting guests to promote their own episode 32:18 Why Cliff never prodded his guests (until now) 36:16 The identity bridge between musician and businessperson 39:37 Shameless self-promotion vs. having someone else tell your story 44:26 AI, authenticity, polish — do listeners want what they say they want? 47:09 How JR actually uses AI in his workflow 49:46 DaVinci Resolve, Ableton, Descript — the tools that matter 53:08 Content quality vs. production quality 53:52 Has a guest ever asked to pull an episode? 55:15 The dumbest logistics nightmare — bull rides 57:02 Sign-off, giveaway, and the MoneyGigs app Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    59 min
  3. Phil Carillo - Me No Play, Me No Roof

    Jun 1

    Phil Carillo - Me No Play, Me No Roof

    Send us Fan Mail Phil Carillo has spent 45 years gigging in Southern California on steel pan and vocals — and he's the rare working musician who figured out the business and won't apologize for it. We get into why he charges $3,500 for a two-hour wedding, how he runs a band nobody burns out of, the time he got banned from the Orange County Fair for making too many people dance, his surprisingly balanced take on AI, and the "Free Expression Sessions" that taught him quality is the enemy of a finished idea.  If you've ever wondered what your time is actually worth on a gig, this one's for you. In this episode: - Why "no playing equals no eating" — and how to price like it - Running a band: pay for everything, but never be late once - Banned from the OC Fair for making too many people dance - A 45-year veteran's honest take on AI in music - "Quality is your enemy": creating without fear  Guest: Phil Carrillo — Steel Parade steelparade.com TikTok @philj.carillo  00:00 Meet Phil: 45 years gigging, steel pan & Long Beach roots 09:21 $3,500 a gig & the worth of your time 14:47 "What is this burnout?" + how he runs a band 21:36 Banned from the Orange County Fair 27:25 Phil on AI & the future of live music 33:01 Free Expression Sessions: "Quality is your enemy" MoneyGigs helps gigging musicians track their pay, see their real hourly rate, and tap a crowdsourced venue database. Free download:  iOS            Android Use code INV-PHILC for access to the venue database for $2/mo. Did you like the show?  Well then.. Support the show Join the Facebook community Follow MoneyGigs:  TikTok @themoneygigsYouTube @MoneyGigs2026Instagram themoneygigsSupport the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    49 min
  4. Dan Karlsberg — The Playing Was Never the Problem

    May 15

    Dan Karlsberg — The Playing Was Never the Problem

    Send us Fan Mail Dan Karlsberg has been playing Cincinnati for a long time — CCM (University of Cincinnati College Conservatory of Music) grad, seven albums, and teaches piano to students from age four to ninety-one. He just released a solo record called Rooms Without Walls, built in late-night sessions, mostly not knowing where it was going. By the second session, he did. DAN'S NEW ALBUM >>>> https://dankarlsberg.bandcamp.com/album/rooms-without-walls Episode Crossword We talk about what it actually feels like to gig — the driving, the parking, the day-of call you weren't ready for, and the internal voice that tells you mid-performance that you can't do this. We talk about why his gig floor has gone from a hundred dollars to now three or four hundred, why he shifted his income to teaching, and the anxiety he carried for twenty years before he had a name for it. 1:25 Who is Dan Karlsberg — the baseball card  4:26 Life outside music — exploring, obsessing, Nadia Boulanger & Elvis  7:04 Rooms Without Walls — making a solo piano record  17:32 The gigging landscape — when the playing isn't the hard part  19:04 Gigging rates flat since 1980 — the economics of working musicians  22:01 My biggest challenge is myself  26:03 Panic attacks, therapy, and finally understanding himself  27:32 Teaching ages 4 to 91 — playing without hurting yourself  🎸 Support the show: https://www.buzzsprout.com/2509891/support 📲 Download MoneyGigs — the app built for gigging musicians: iOS: https://apps.apple.com/us/app/moneygigs-know-your-worth/id6752310856Android: https://play.google.com/store/apps/details?id=com.themoneygigs.moneygigsUse invite code INV-DANKARL for access to the community venue database at $2/mo.  Cancel any time directly from the app.🌿 This episode is sponsored by Tryfloral: https://tryfloral.com/themoneygigs Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    32 min
  5. Jim Pelz — Starting Over at 35: Reinvention, Resilience, and the Real Business of Gigging

    May 1

    Jim Pelz — Starting Over at 35: Reinvention, Resilience, and the Real Business of Gigging

    Send us Fan Mail Jim Pelz started as a jazz trombonist in Boston, moved to Cincinnati, and then a rare neurological condition robbed him of his embouchure. Instead of quitting, he picked up the guitar and basically started over at 35. Today he plays the gigs he wants, says no to the ones he doesn't, and made more money from music this past year than ever — with a full-time warehouse day job and zero regrets. We talk about focal dystonia, imposter syndrome, the moment COVID changed everything, why doing less keeps it fun, and what it really means to know your worth as a working musician. Jim's Upcoming Performance Schedule in Cincinnati: 5/2 Crow’s Nest 8 pm 6/6 the Esplanade 5 pm 6/23 Kroger Oakley 5 pm 6/24 Taste of Belgium 6 pm 6/25 Taste of Belgium 6 pm 6/26 w/Tyler Christopher, Fitton Center If anything Jim described sounds familiar, the Dystonia Foundation at dystonia-foundation.org is a starting point. 🎸 Support the show: https://www.buzzsprout.com/2509891/support 📲 Download MoneyGigs — the app built for gigging musicians: iOS: https://apps.apple.com/us/app/moneygigs-know-your-worth/id6752310856Android: https://play.google.com/store/apps/details?id=com.themoneygigs.moneygigsUse invite code INV-JIMPELZ for access to the community venue database at $2/mo.  Cancel any time directly from the app.🌿 This episode is sponsored by Tryfloral: https://tryfloral.com/themoneygigs Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    20 min
  6. Jan 22

    Know Your Worth: Why Partnership Beats the "Homebody Culture" in 2026

    Send us Fan Mail Most gigging musicians spend years mastering their craft, but zero hours learning the actual economy of the rooms they play. In an era where post-pandemic "homebody culture" is the new norm, simply showing up and playing a good set isn't enough to keep the doors open—for you or the venue.  Today, we sit down with Joby Bowman, owner of Cincinnati’s BrewRiver Creole Kitchen, to bridge the professionalism gap. Joby gives us a rare, vulnerable look at the "Restaurant Squeeze" of 2026, revealing why: Playing a "good set" is only 50% of the reason you get booked.A venue's utility costs have more than doubled since 2018, making every $35 cover critical for survival.Your "posse" of 10 engaged friends is worth more to an owner than 10,000 cold followers on Instagram. 🎁 EXCLUSIVE BREWRIVER PERK: Joby is offering a $10 carry-out gift card to any listener who visits BrewRiver and mentions this podcast, along with the two iconic Cincinnati musicians discussed in this episode. This offer is valid through February 28th, 2026.  STOP THE NAPKIN MATH: This episode is powered by MoneyGigs, the app built by and for musicians to calculate real hourly rates and locate top-rated venues. Join our growing community of performers who are using data to protect their creative autonomy and Know Your Worth.    MoneyGigs Android  MoneyGigs Apple https://www.facebook.com/brewrivercreolekitchen https://brewrivercreolekitchen.com/ Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    27 min
  7. Cincinnati Musician Tracy Walker on Why Venues Don't Value You (And How to Change That)

    11/28/2025

    Cincinnati Musician Tracy Walker on Why Venues Don't Value You (And How to Change That)

    Send us Fan Mail Cincinnati music legend Tracy Walker has been gigging professionally for 25 years — and she's learned exactly which venues are worth your time, how to know your value, and when to walk away. We talk grocery store gigs, why musicians can't save a struggling venue, what authentic self-advocacy actually looks like, and the moment Tracy stepped in for herself. Visit Tracy's website: https://tracywalker.com 📱 Download MoneyGigs for iOS: https://apps.apple.com/us/app/moneygigs-know-your-worth/id6752310856 🤖 Download MoneyGigs for Android: https://play.google.com/store/apps/details?id=com.themoneygigs.moneygigs Explore more at https://themoneygigs.com 0:00 - Intro & Tracy's 25 years in the Cincinnati scene  2:30 - Why authenticity is the only long-term strategy  6:00 - Grocery store gigs: the most honest stage in the city  10:00 - Venue red flags and how to spot them early  15:00 - Why musicians can't save a struggling venue  20:00 - Knowing your value in an open market  25:00 - The moment Tracy learned to step in for herself  30:00 - Advice for working musicians in a contracting economy Show Summary: 🎯 Know your value: musicians who understand their true hourly rate make better decisions about which gigs to take — and which to walk away from.🏢 Venues aren't your problem to solve: live music is a brand investment, not a lifeline. If an owner is counting on you to save their business, that's a red flag.🤝 Relationships are the real currency: Tracy's best venue relationships — Finley Market, Braxton Brewing, Brew River Creole Kitchen — came from owners who already understood the value of live music.💪 Step in for yourself: the same instinct Tracy has to advocate for others? It applies to you too.Music provided by Strange Spaghetti Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    16 min
  8. The Venue Was Packed. The Check Still Bounced. | Cybele McGazi

    11/21/2025

    The Venue Was Packed. The Check Still Bounced. | Cybele McGazi

    Send us Fan Mail Cybele McGazi is a veteran of the Greater Cincinnati music scene — singer, keyboardist, SCPA alum, and the woman running the live music department at Lytle Park Hotel. She wrote and produced her own album at 27, raised her kids through COVID while homeschooling for four years, and is now ready to get back in the studio. We talk about bounced checks, what it takes to sit down a venue owner at 23 and demand cash on arrival, and why the MoneyGigs calculator made her rethink variables she'd never considered. 0:00 - Intro & Cybele's background at SCPA  1:30 - Musical influences: Jewel, Alanis, Whitney, Julie Andrews  3:00 - Broadway dreams to gigging musician  4:30 - Writing and self-producing her first album at 27  6:00 - COVID, homeschooling, and the creative drought  8:00 - Getting back to the studio — what's next  9:30 - The bounced check venue: cash on arrival or I walk  11:30 - How Cliff handled his own bad-pay situation  13:00 - The courage it takes to confront a venue owner at 23  14:00 - Trying the MoneyGigs calculator for the first time  16:00 - The minimum rate goal and what it changes  18:00 - How Cybele landed the Lytle Park Hotel gig  20:30 - Becoming the live music director — surviving management turnover  22:00 - Where to find Cybele live around Cincinnati Show Summary: 💸 Bounced checks are a red flag: Cybele had checks bounce multiple times at the same venue — and at 23, she sat down the owners and told them cash on arrival or she walks. They obliged. The venue closed within a year. 🎹 Know your real hourly rate: Cybele had never tracked her true earnings per hour until she used the MoneyGigs calculator — and immediately started using it for multiple gigs. 🏨 Entrepreneurial musicians create their own roles: what started as a performance gig at Lytle Park became running their entire live music department — because she showed up with a list of players and a plan. 🎤 Creativity has seasons: four years of homeschooling through COVID meant the album waited. That's not failure — that's a busy season of life. The songs are written. The studio is next. Find Cybele: http://cybelesings.com | Cybele Sings on YouTube Where to catch her live: Jeff Ruby's Wednesdays 5–8pm · Oriental Wok on Buttermilk Pike Thursdays 6:30pm · Marble in Bellevue Fridays 5:30pm · Lytle Park Hotel 📱 Download MoneyGigs for iOS: https://apps.apple.com/us/app/moneygigs-know-your-worth/id6752310856 🤖 Download MoneyGigs for Android: https://play.google.com/store/apps/details?id=com.themoneygigs.moneygigs Explore more at https://themoneygigs.com Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    16 min
  9. The Musician Who Wears Every Hat | Nicki Sage

    11/14/2025

    The Musician Who Wears Every Hat | Nicki Sage

    Send us Fan Mail Nicki Sage is a singer, songwriter, dancer, photographer, cinematographer, and self-producing artist who has built a full music career across Nashville, Chicago, and now Cincinnati. We talk about why the singer-songwriter lane is oversaturated, what makes her genuinely hard to compete with, the difference between writer's rounds and open mics, and what it actually takes to build residencies from scratch in a new city. Find Nicki: https://nickisageofficial.com | Nicki Sage on YouTube | LinkTree on her website 0:00 - Intro & Nicki's background 1:30 - Photography, choreography, cinematography — wearing every hat 2:30 - Starting with songwriter nights and writer's rounds 4:00 - Nashville, Chicago, and coming back to Cincinnati 5:00 - Goals: rebuilding a 3-4x/week residency schedule 6:30 - New releases and the artist strategy behind them 7:30 - Why residencies are for income, originals are for growth 8:00 - The Chicago showcase: Sony FX3, gimbals, smoke machine 9:00 - Why dancing is her competitive moat 10:30 - The three musician personas and where Nicki fits 12:00 - Southgate House booking — how that video closed the deal 13:30 - Motor Pub, Kroger Beechwood — upcoming Cincinnati gigs 15:00 - Self-producing her own album from scratch Show Summary: 🎤 The singer-songwriter lane is oversaturated: Nicki's point is sharp — Lady Gaga got dropped before she added the performance element. Playing and singing alone isn't a differentiator anymore.💃 Dance is her moat: very few working musicians can perform choreography and sing at a professional level simultaneously. That's not a hobby skill — it's a career-length competitive advantage.🏙️ Building from zero in a new city: three to four residencies a week was her standard schedule. She moved back to Cincinnati less than a year ago and is methodically rebuilding that infrastructure.🎬 Production value books gigs: the Chicago showcase footage shot on a Sony FX3 with gimbals directly landed her the Southgate House booking. Document everything.📱 Download MoneyGigs for iOS: https://apps.apple.com/us/app/moneygigs-know-your-worth/id6752310856 🤖 Download MoneyGigs for Android: https://play.google.com/store/apps/details?id=com.themoneygigs.moneygigs Explore more at https://themoneygigs.com Music provided by Strange Spaghetti #musicianlife #cincinnatimusic #giglife #singersongwriter #moneygigs Copyright © 2025 MoneyGigs, LLC Support the show Support the show by visiting our sponsor (and get a deal!): TryFloral THC Beverages https://tryfloral.com/themoneygigs Copyright (c) 2026 MoneyGigs, LLC

    14 min

About

By gigging musicians, for gigging musicians.