20 episodes

A podcast about all the money things you suspect might be ruining your life

Bottom Lines Top Dollars Ladies Who Crunch

    • Science
    • 5.0 • 27 Ratings

A podcast about all the money things you suspect might be ruining your life

    The Old Punks Guide To Your Future After No Future

    The Old Punks Guide To Your Future After No Future

    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 f**k" 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 f****d then before you even started this journey



    PLUS 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). 

    ---

    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 2000’s punk intersect with money, and what can that teach us today? What if you don’t “Live fast die young,” but have to meet needs over the course of your longer-than-expected life instead?

    Listeners will hear stories -- from “the punkest way I ever made money,” to “the worst minimum wage job I ever had,” to “magic b******t I did to try to avoid working” -- 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.

    -------

    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 bottomlinestopdollars@gmail.com.

    • 59 min
    Born to Lose: Is "The Game" Rigged Against Us? And Other Punk Bedtime Stories

    Born to Lose: Is "The Game" Rigged Against Us? And Other Punk Bedtime Stories

    Leonard Cohen said, “the poor stay poor, the rich get rich, that’s how it goes, and everybody knows”. Well, once you know, then what? 

    In punk culture, there's a general understanding that the world is f****d 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.   

    ---

    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 2000’s punk intersect with money, and what can that teach us today? What if you don’t “Live fast die young,” but have to meet needs over the course of your longer-than-expected life instead?

    Listeners will hear stories -- from “the punkest way I ever made money,” to “the worst minimum wage job I ever had,” to “magic b******t I did to try to avoid working” -- 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.

    -------

    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 bottomlinestopdollars@gmail.com.

    • 48 min
    A Guide to Everything You Never Wanted to Know About Death and Money

    A Guide to Everything You Never Wanted to Know About Death and Money

    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 you’re that goth kid who loves to talk about it or you’re just that punk for whom living fast and dying young just didn’t 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 “the arrangements” for someone who has passed away

    · What options you have if there’s absolutely no money available to pay for a funeral

    · What exactly is an “estate” (yes everyone has one, even if that is just your record collection) and how exactly does it get “settled”?

    · 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 f**k you’s (or I love you’s) in yours.

    ---

    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 2000’s punk intersect with money, and what can that teach us today? What if you don’t “Live fast die young,” but have to meet needs over the course of your longer-than-expected life instead?

    Listeners will hear stories -- from “the punkest way I ever made money,” to “the worst minimum wage job I ever had,” to “magic b******t I did to try to avoid working” -- 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.

    -------

    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 bottomlinestopdollars@gmail.com.

    • 57 min
    Love, Hate and Tips: How Variable Earnings Are Rigged to Make it Risky to Work

    Love, Hate and Tips: How Variable Earnings Are Rigged to Make it Risky to Work

    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 “maskual harassment” [pull down your mask and I’ll 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 2000’s punk intersect with money, and what can that teach us today? What if you don’t “Live fast die young,” but have to meet needs over the course of your longer-than-expected life instead?

    Listeners will hear stories -- from “the punkest way I ever made money,” to “the worst minimum wage job I ever had,” to “magic b******t I did to try to avoid working” -- 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.

    -------

    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 bottomlinestopdollars@gmail.com.

    • 39 min
    Punk House of My Dreams: Living With Others in Collective Financial Bliss (or At Least Not Pain)

    Punk House of My Dreams: Living With Others in Collective Financial Bliss (or At Least Not Pain)

    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 s****y. 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 2000’s punk intersect with money, and what can that teach us today? What if you don’t “Live fast die young,” but have to meet needs over the course of your life instead?

    Listeners will hear stories -- from “the punkest way I ever made money,” to “the worst minimum wage job I ever had,” to “magic b******t I did to try to avoid working” -- 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.

    -------

    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 bottomlinestopdollars@gmail.com.

    • 54 min
    The Trick to Figuring Out "Your Worth" in the Market When That Phrase Makes No Damn Sense To You

    The Trick to Figuring Out "Your Worth" in the Market When That Phrase Makes No Damn Sense To You

    How do you value your time? Especially when we’re also forced to value our labor time: does anyone really have a grasp on what “enough” money is, when it’s 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:


    What’s 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 “know your worth!” 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 2000’s punk intersect with money, and what can that teach us today? What if you don’t “Live fast die young,” but have to meet needs over the course of your life instead?

    Listeners will hear stories -- from “the punkest way I ever made money,” to “the worst minimum wage job I ever had,” to “magic b******t I did to try to avoid working” -- 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.

    -------

    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 bottomlinestopdollars@gmail.com.

    • 51 min

Customer Reviews

5.0 out of 5
27 Ratings

27 Ratings

fansquirrel ,

Fun listening!

This series on how the hosts think about $ coming out of punk/ DIY culture is so fun, functional, and helpful. I laughed with them, I saw myself, I took deep breaths of fear at the thought of valuing myself, and I’m recommending this to a lot of friends in their 30s and 40s who I hitch hiked, dumpstered, and lived in punk houses with.

Hello Jaime K ,

The money podcast I need

I have never found information about money, financial planning or investing that aligns with my whole self as much as this podcast & messaging. What a true gift. It feels like a sigh of relief to learn that we can still hold our values and identities AND want financial security that doesn’t feel gross. I hope to work directly with them in the future.

Z-through-A ,

Smart, ethical, important

Quickly becoming a favorite podcast! I’m recommending it to all my friends - it’s such a breath of fresh air to find people with values that match mine talking about money. Thank you both!!

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