Barbara Sloan, author of "Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals," joins Gaby to talk about a topic we've wanted to cover for a while: tipping and working for tips. In the US, 3 million people work mainly for tips and yet financial advice never takes them into account or gives them practical steps to financial stability. We talk about the minimum and subminimum wage, what patrons can do to be better customers to tipped workers, and how people who work for tips can better save, budget, and control their money.  Gaby Dunn Instagram: @GabyRoad BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Gaby steals from women... just like Don Draper. Lily updates us on her workplace accommodations situation re: ADHD and capitalism. Mal corrects their history of school accommodations based on new information from their mother. A transfemme listener named Claire writes about paying for gender affirming surgeries, adding authorized users to bank accounts and credit cards, and also accuses Mal of being a Boomer in a Millennial's body. Gaby's going to change their name with the same format Taylor Swift used to roll out the track titles for Midnights. Cooper, who is paying for aptitude tests, is back to talk salmon, Playstation 5, and the military. Finley explains blood donation in Canada. Charlie leaves a great voicemail about healthcare that leads to some really great advice. And finally, red rum. Gaby Dunn Instagram: @GabyRoad BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

This week, Gaby has the honor of speaking to Stephanie Dworak about the costs of her abortion and the emotional and financial stress of going out of state for the procedure on a child she desperately wanted. In a follow up to the show's childcare costs episode, Stephanie shares her story in hopes of bringing the realities of overturning Roe V Wade to the forefront of the harrowing conversation. (Her experience happened in Nebraska, a state where abortion was legal up to 22 weeks, but still, living it was a nightmare.) Gaby Dunn Instagram: @GabyRoad BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

A couple of listeners write in about budgeting apps and combining finances with their partner requiring weekly pizza and beer budgeting meetings. How can a listener now become a financial role model for their young daughter and their young co-workers? Deirdre wants a long Covid costs episode and Gaby asks for listeners to write in with their own costs of chronic illness. Ferg shares the rapidity and low cost of his vasectomy, which prompts Mal to ask about a very timely storyline in Gilmore Girls. Plus, another side to the parents buying childrens' debt debate. A realtor has thoughts on Selling Sunset and unethical and illegal behavior. Special education teachers have ideas for Mal and they share some vulnerable life stories. Plus, a review gets us HEATED. tw: eating disorders, sex education, Nazis Gaby Dunn Instagram: @GabyRoad Mal Blum is @malblum anywhere you want to find them BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Maggie Mae Fish, comedian, horror fan, and descendant of serial killer Albert Fish, joins Gaby and Mal for a special spooky Halloween money episode. We talk about the origins of cheap horror and how it became one of the most affordable genres of movie to make. Gaby does a deep dive on Val Lewton and his stream of iconic low budget horror films from the 1940s. Mal reads a short scary story they wrote as a child called "Ghost Ship" which involves a pirate named Captain Blood. Then, the trio dig into the finances and capitalism of Stanley Kubrick's 1980 classic The Shining. How is work and desperation for work in America depicted? How is Wendy being financially, physically and emotionally abused? How are marginalized people used behind the scenes in the name of men's art? tw: murder, domestic abuse, child abuse, child sexual abuse, roofies Gaby Dunn Instagram: @GabyRoad Mal Blum is @malblum anywhere you want to find them BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

This week, the trans femmes finally write in with costs of transition! Gaby learns in real time that trans surgeries are often denied to fat people. Cooper has three very specific things she wants to better herself. Kate and Caroline validate Mal’s opinions on IUDs. Ashley sends a shocking voicemail about working for commission. We also talk workplace accommodations, trans gynos who know you socially, banking rules, Mal’s turbulent experiences with condoms, and what we were told we should do as jobs when we were in middle school. Plus, the struggle of kink and sex podcasts to make money and get sponsorships.  Tw: surgery, needles, transphobia, kink, fatphobia Gaby Dunn Instagram: @GabyRoad Mal Blum is @malblum anywhere you want to find them BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Gaby and iconic podcast producer, writer and friend Melisa Monts break down one of the best bank robbing blockbuster films, Set It Off, starring Queen Latifah, Kimberly Elise, Vivica A Fox, and Jada Pinkett. How were Black women portrayed in "empowerment" films in light of the booming 90s economy? What do the motivations of our heroes say about systemic racism, homophobia, and misogynoir? Should we all just start robbing banks? Time to SET IT OFF! tw: police brutality and murder, sexual assault, suicide Gaby Dunn Instagram: @GabyRoad Mal Blum is @malblum anywhere you want to find them BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

A listener writes in to praise the basics and Mal gives a very good simple investing tip. Then, Jude has a wonderful reaction to hearing their name for the first time on the podcast. A voice teacher writes in wondering if they should order a binder or give money to an underage student whose parents are transphobic. A trans man in Germany struggles to find a therapist in their new country who will understand gender in English and explains how the healthcare is free, but the wait is long. A Canadian breaks down every single cost of his transition as a binary trans guy living in British Columbia. Carrie, a cis woman, details how she had to have six fibroids removed and a hystorectomy. Harrowing! Asa shares a spreadsheet he's kept since 2019 with every single cost from his transition. (Is he a Capricorn??) Sammy in Australia begs Gaby and Mal not to do the accent and talks about advocating for paid transition leave. Cass sends in a vulnerable and fascinating voicemail about the revisions to their bottom surgery and their detransitioning/regret without giving in to TERF rhetoric.   tw: detransitioning, transphobia, surgery For a full transcript, visit: https://bit.ly/3Dbp1B1 Gaby Dunn Instagram: @GabyRoad Mal Blum is @malblum anywhere you want to find them BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

In this incredible and vulnerable coming out-inspired episode, co-host Mal Blum contacts banks to test which ones allow trans people to change their names on their accounts without paperwork. They ask about: changing deadnames on accounts to shortened versions, opening new accounts under chosen names, and which banks allow you to alter your name on your checks or credit cards. They encounter well-meaning reps, repetitions of their deadname, and roadblocks that make no goddamn sense. And happy GLAAD Spirit Day! (That's today! According to their website: "This day aims to create awareness for the bullying and harassment that the LGBTQ community faces.") Thank you to Mal for doing all this work and putting themselves on the line for the good of every queer listener!  Banks in this episode: Chase Bank TD Bank Wells Fargo CitiBank (corporate vs. local branch) Links: https://www.glaad.org/spiritday Gaby Dunn Instagram: @GabyRoad Mal Blum is @malblum anywhere you want to find them BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Gaby tries to guess what instrument Mal is playing. A listener/teacher writes in to ask for an episode about incarcerated persons. BecBecMuffin explains Brazilian healthcare and the finances of moving there from the US with her husband. A former devout Dave Ramsey follower confirms everything terrible that Tori Dunlap and Gaby said about the finance "guru" on their episode about him and even more. Then, an email thanking Bad With Money for eliminating shame and helping Kristen get out of debt. Mal then shares about their trip to urgent care the day before and how insurance factored in. Three people then write in to criticize the show's conversation about the pain involved in IUD insertion. Next, worries about ADHD accommodations at work, and coincidences involving Bad With Money and Mal's music career. Finally: Could Gaby stand to edit the emails? Sure. Will they? No.  tw: gynecological procedures Gaby Dunn Instagram: @GabyRoad BWM Instagram: @bwmpod BWM Facebook group: http://tinyurl.com/badwithmoneyfb The BWM Discord channel: https://discord.gg/dAdxj4JMER Find Gaby on Patreon: patreon.com/gabydunn Shop gabydunn.com/shop for merch! Bad with Money is produced, edited, sound engineered and mixed by Cumulus Podcast Network. The theme song was performed by Sam Barbara and written by Myq Kaplan, Zach Sherwin, and Jack Dolgen. Additional music by Joey Salvia. Learn more about your ad choices. Visit podcastchoices.com/adchoices Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy