How the heck do you pick financial goals when 1 in 4 people are unemployed, there are murder hornets, police are battering people in the streets for having the audacity to say that black men shouldn’t die at the hands of cops, and everything feels a little…well, stressful? When the world is on fire, how can you care about your 401K? AND HOW CAN YOU HELP!?
Today we talk about:
- How to help the black lives matter movement
- How to prioritize your money when everything is on fire
- Why you need to take care of your basic needs before you start helping everyone else
- Why it’s okay to still buy a house right now or keep investing
Podcasts that I love by black creators
- The Nod – it’s no longer publishing but the back catalog is still up – they “gleefully explore all the beautiful, complicated dimensions of Black life”. Two episodes I love: an live audience interview with Karamo Brown from Queer Eye (it is not fluff, believe me0 and “Back to School” about the decision to send host Eric’s kid to an afro-centric pre-school.
- Your First Million – Black, Lesbian, Venture Capitalist? They do exist! Well, at least one. Arlan Hamilton teaches us all about investing and building companies with underestimated founders in really intense interviews.
- Yo, Is this Racist? – Yo, Is This Racist?, hosted by Andrew Ti, creator of the popular blog of the same name, is now a podcast where they answer questions from fan-submitted voicemails and emails about whether or not something is, in fact, racist.
- Redefining Wealth – Patrice Washington is one of those people when you meet her that just seems more elegant than us worldly creatures, but also down to earth. It’s a difficult challenge to Her podcast is a money podcast that isn’t really about money but about purpose and fulfillment. I’m not Christian, but even her faith-focused content has made me cry when listening to it on the subway.
How to help Black Lives Matter
Since things are changing on the ground quickly and different ways of helping are changing, this is regularly updated list of petitions, resources, and places to donate based on needs.
All ad revenue and this week’s patreon revenue will be donated to the TGI Justice Project.
TGI Justice Project is a black-led group of transgender, gender variant and intersex people—inside and outside of prisons, jails and detention centers—creating a united family in the struggle for survival and freedom.
TGI Justice Project works in collaboration with others to forge a culture of resistance and resilience to strengthen us for the fight against human rights abuses, imprisonment, police violence, racism, poverty, and societal pressures. We seek to create a world rooted in self- determination, freedom of expression, and gender justice.
Other black-led GLTBQ+ organizations that can use your support
(remember monthly donations make a huge difference to them and are easier on your own finances!)
- Black Visions Collective – is a black trans- and queer-led social-justice organization and legal fund based in Minneapolis-St. Paul where George Floyd was murdered by a cop.
- Solutions Not Punishment Collaborative (SNaPCo) – provides community and financial support for black trans people and works to dismantle the prison industrial complex in Atlanta.
- Trans Women of Color Collective, is and organization that uplifts the narratives and experiences of trans people of color and offers them opportunities around the world.
- House of GG – an organization where black trans and queer women can heal from the generational trauma in their community.
- Ali Forney Center– an organization that houses and protects LGBTQ youths from the harms of homelessness in NYC. It is named for Ali, a gender nonconforming black youth who was well known by the police because he aggressively advocated that the NYPD investigate a series of murders of other homeless queer youth he had befriended
#Podcastersforjustice
Send me your questions!
Many have questions about how personal finance is rapidly changing in these unprecedented times – it seems like many of the rules are now suspended. So I’ll be answering whatever your questions are about changes to universal credit, unemployment, student loans, health insurance – and if you ask, I will explain what’s going on with the stock and bond markets.
So, please write in your questions to questions@ohmydollar.com or tweet me @anomalily. I’d also love to just hear just little audio money diaries about how you’re doing in the world. You can leave a voicemail in the US at (503) 877-4338 or you can email us a voice memo to questions@ohmydollar.com
Oh My Dollar! news
Every Saturday night at 5PM Pacific, 8PM Eastern, 12AM GMT and 8AM AWST, Talking Dough and Eating Donuts livestream happens – Subscribe on youtube and hit the “bell” icon for notifications to get an alert when we go live.
You can watch or listen (like a podcast) to this week’s livestream at 5PM Pacific, Saturday, June 5th here:
We’re supporting one another and sharing pet photos on the Oh My Dollar forums, a friendly, nonjudgemental online community about money – come join us, we’re nice!
Email us any financial worries, successes at questions@ohmydollar.com or tweet us at @anomalily or @ohmydollar.
Purrsonal Finance Society Members
We absolutely love our Purrsonal Finance Society Members, the folks that generously support Oh My Dollar with $1 or more a month on Patreon – and have made is so we have free, full transcripts for every show.
Thank you to our new and returned patrons, who joined this month – Christy, Jessica, Michelle, Rachel, Christina, Eylssa, Kevin, Booky, and Penny! This episode was underwritten by patrons Tamsen G Association, Galina S, Hank G, and Warrior Queen. To learn more about being part of the Purrsonal Finance Society and get cool perks like cat stickers, you can visit ohmydollar.com/support
Episode Transcript (supported by our Patrons and provided by DSW Transcription)
Lillian Karabaic: [00:00:00] Hello, lovely listeners. Before I get started today, I just wanna say thank you. It’s helped giving me a purpose to answer your questions. I’ve been doing more original journalism than ever before since this crisis started. In the past month, I’ve spent dozens of hours on the phone talking with people affected by this crisis, tracking down statistics, and leads, and trying to untangle what the heck is happening with the economy these days.
[00:00:27] I am able to do this because of support from generous listeners who pledged $1 or more per month on Patreon. We call them Purrsonal Finance Society, and their support lets me pay for transcripts, servers, books for donating to low-income youth, and hosting for the podcast, and forums. Every single dollar makes a huge difference. To learn more about the Society and perks, you can visit ohmydollar.com/support. Thank you to our new and returned Patrons who joined this month: Christy, Jessica, Michelle, Rachel, Christina, Elyssa, Kevin, Booky, and Penny. You make a difference. Thank you.
[00:01:23] Welcome to Oh My Dollar!, a personal finance show with a dash of glitter. Dealing with money can be scary and stressful. Here, we give practical, friendly advice about money that helps you tackle the financial overwhelm. I’m your host, Lillian Karabaic.
[00:01:42] I’m not okay right now. It might be bold, but I’d venture to say very few people are doing okay. This episode was originally written before protests swept the United States and the world over the death of George Floyd and the continued police brutality against Black people everywhere, and particularly in the United States.
[00:02:04] Remember when our biggest collective concern was how soon we could leave our house and how much the price of toilet paper had gone up? Being not okay a week ago pales in comparison to this week. Now, hundreds of thousands of people are afraid of military occupation of their cities, and White people across the United States are grasping the fear of police violence against their bodies that Black people have lived with every day of their lives.
[00:02:32] We’re having a worldwide conversation about institutionalized racism all in the midst of a global pandemic. The system- all of them, the financial system, the housing system, the justice system, none of them were designed to be fair to Black and Brown people. They aren’t broken. They were designed with White supremacy baked in. Don’t think you get out of this if you’re watching from across the world. While the United States was built on slavery, other countries have plenty of injustices to atone for, as well.
[00:03:08] Over 400 Aboriginal and Torres Strait Islander people have died in custody in Australia since 1991, with few perpetrators brought to justice, and the names of their killers held in secret. Canadians have had injustices perpetrated against indigenous First Nation people since the beginning and founding of their country, and it continues today.
[00:03:33] So, this episode was supposed to originally be just about how it’s okay to not be okay. It was about how to even care about your money when the world is on fire. Now, my city has literally caught on fire. How do you prioritize handling your money when one in four people are unemployed and people are dying in the streets and in their homes from a systemic injustice? Now, it feels even bigger because it’s not just about how do you take care of yourself, but how do you help? How do you help in the midst of what might be a personal financial crisis when there’s even bigger crises is going on? How can you care about your money?
[00:04:21] The simple answer I have is you don’t worry about big goals right now. If you keep yourself alive through 2020, you have accomplished the goal. You don’t need to make a lot of money or pay off your student loans or whatever big thing you were striving for at the end of 2019. We are in a collective crisis; possibly two-dozen collective crises.
[00:04:44] At the beginning of 2020, I set a goal for myself that I was gonna save $20,000 this year, which was rather ambitious given, at the time, I was making minimum wage working at Starbucks and then a couple hundred dollars selling cat books on the internet because that’s my job. I even invited other people to join in on the challenges. We still have several 20 in 2020 challenges going on in the Oh My Dollar! forums, saving $20 a week or month, 20 percent of your income, or $20,000, whichever is practical for you.
[00:05:19] Those all looked good, and great, and ambitious but doable goals in January. Oh, what innocent times those were. The stock market was riding high and unemployment was at its lowest level in a decade around much of the world. We seemed collectively optimistic. 2020 was our year. We were in the future. Then, good ol’ Miss Rona came a knockin’.
[00:05:41] Entire industries halted overnight. People lost their jobs, and there weren’t any other jobs to get. Schools shut down with less than 24 hours’ notice. People we knew, maybe even you, yourself, got sick. Some of them got really, really sick. Hundreds of thousands of them died. We were told the solution was to stay in our house. You’ll be safe if you stay in your house! As an introvert, that sounded great.
[00:06:10] Flatten the curve. Wash your hands. Stay in the house, and you’ll be safe. Order some takeout from a local restaurant. Don’t wear a mask; save them for healthcare workers. Donate. Try to work from home with your kids screaming in the background. Stock up on groceries, but don’t stock up too much; leave some for everyone else. Attend a Zoom Happy Hour and say hi to your friends. Oh, wait, never mind – do wear a mask. Actually, if you don’t wear one, you’ll be given a fine. Save the environment but actually use single-use everything right now; it’s safer. Wash your hands!
[00:06:39] Now, Black people in America are dying at twice the rate of their peers. Frontline workers aren’t getting the protective equipment that they need to stay safe. No one seemed safe. The prime minister of the UK gets COVID-19 and is hospitalized in critical condition. Greece and Iran’s health ministers die from it.
[00:06:58] Maybe it didn’t seem dire. There was hope. People were making cute music videos for healthcare workers. People were buying things from small businesses. I never bought so many ridiculous things from Etsy to support small businesses. Mutual aid societies, which were once previously the kind of things that were left to crusty anarchists, sprung out of nowhere and were inhabited by Karens. I never thought I would see Karens in mutual aid societies. A fierce season of Ru Paul’s Drag Race was airing. You know, there was hope in the light of it.
[00:07:31] But then the work of just existing in this environment took a drain. Trying to get kids to stay busy just so you can hop on that awkward work stand-up meeting on Zoom? The thrill of getting to peer into your coworkers’ houses and see their cats really wore off after a while. It really seemed serious once the Trader Joe’s employees – that used to make aggressively friendly comments on your ghost pepper chips – were suddenly just too tired and exhausted to make a comment.
[00:08:03] What does it mean? What should you do? How do you stay motivated in a time like this to work on a big money goal? How do you even care about money, when the world feels like it is a dumpster fire? Here’s what I say: right now is a crisis; in a crisis, you are not focused on next year, and that is okay. It is a one-day-at-a-time sort of situation. What is important to do today? How are you going to make the most impact, today, with your money?
[00:08:34] You have to focus on what is in the locust of your control. If there’s anything we learned in 2020, it’s that there’s a lot more outside of our control than we previously thought. But what you can’t control is how you respond to circumstances, and circumstances are gonna keep coming. Circumstances change on a dime. LA implemented a 1:00 p.m. curfew with 40 minutes of notice. Suddenly, we need to avoid our neighbors on the sidewalk, instead of offering a hand. There are a lot of circumstances. It’s possible we’re staring down the Four Horsemen of the Apocalypse, right now.
[00:09:10] So, that’s what I’m here to say – right now, your goal is to get through the year, day by day. We’re all bearing a lot of mental weight right now; we all are. There’s a lot of uncertainty. We wanna come together, but we’re told the most important thing we can do is stay socially distant. Suddenly, the burden that Black people have been dealing with their whole lives has been placed on the shoulders of everyone.
[00:09:35] Now, millions of us are trying to lift a load that has been put on the shoulders of Black people from birth. The good news is that when we share a load, we can affect change faster. The bad news is that we seem to have every crisis stacked on top of each other, right now. That means dealing with it takes up a lot of effs. Dealing with the trauma, particularly if you are Black, takes up your energy; possibly more than you have. Some days, you just have to choose where you put your effs. It’s a day-by-day exercise.
[00:10:10] So, I’m gonna give you my top recommendations for money, right now. First and foremost is take care of you and yours first. If that is all you can do, that is the most important thing, because here’s the thing – there are so many things to worry about right now, but you will have no capacity to help anyone else, if you lose your shelter, or your power gets cut, or you can’t get enough calories to sustain yourself, or you can’t bend your joints because you didn’t get enough sleep, or you didn’t take your meds and now your brain is saying terrible things to you.
[00:10:43] You won’t be an effective advocate. You can’t help other people unless you can make sure that your basic needs are covered. You have a limited number of effs to give in a general day. The first eff must be focused on taking care of yourself and your closest loved ones. That means you need to let go of any guilt you have about not doing enough if you’re at risk of your own health or your stability falling apart.
[00:11:07] That doesn’t mean that people with chronic health conditions, or disabilities, or living on a low income can’t be helpful to dismantling police brutality against Black people, or supporting frontline workers in the pandemic. It just means the most helpful thing you can do is make sure that you feel safe within your own home before you start sharing your effs with other people.
[00:11:30] If you were working on the front lines and all your effs are being taken up by making sure that people wear their masks inside the bus and that your rent gets paid, then that is your contribution right now. Use your effs for that. If you are home dealing with a chronic illness, or a mental health flare up, and also trying to make sure your toddler doesn’t eat the Legos, then that takes up all of your effs, and that is what is important today.
[00:11:55] If you wanna be donating to bail funds, but you’re worried about getting evicted, and you’re unemployed, you need to use your effs on getting your housing secure. Maybe that means you need to use your last funds to move in with family/friends. Maybe that means you need to spend all your effs calling the unemployment system, trying to actually get through and get the check they said that you qualify for; maybe that means you need to pull some money out of your IRA, or emergency fund, if you have one. Maybe that means you need to do the work of enrolling in Medicaid since you lost your health insurance. Maybe that means you need to put your student loans on hold so that you have enough for rent.
[00:12:33] So, first things first, I wanna make sure that the basics for you and your immediate dependents are taken care of. Your food, your shelter, your health, your transportation, and your utilities are covered every day. If you wake up that day and the first thing you need to do is worry about that, it is emotionally draining. So, it’s okay if that’s all you have to deal with that day. If that takes up all of your energy because that energy of day-to-day not knowing if you’re gonna be secure … That takes up all of your emotional energy. That’s normal. That’s a normal human thing.
[00:13:09] All right, so tip number two for dealing with your money in this time is, next up, if your income has dropped, or disappeared, you need to work out how much time you have until you can’t take care of basic needs anymore. If you don’t know how much you spend in an average month, what I want you to do is have one day where you wake up; you do not check the news; you sit down with your favorite beverage that you have available in your house and you figure out your recurring expenses. Then, you figure out how much you spend on nonstandard expenses, like groceries, gas, et cetera. Then, you’re gonna add up all the money you have coming in on a regular basis, if you have some coming in, or that you have in your savings fund, if you don’t have any coming in.
[00:13:55] This is gonna give you a clear idea of when you need those unemployment checks to actually start being deposited or how long your savings will last you. It gives you your freak out number. So, if you add that all up, and your recurring expenses – the basics that you need to keep food and shelter taken care of – are $1,000 a month, and you’ve got $900 in your bank account, then that means that you’ve got three and a half weeks before your freak out time, and that gives you your window before you start having to panic.
[00:14:28] This will essentially give you your freak out mode, and I think it’s very helpful, if you’re someone that deals with some anxiety because you’ll have a real number. I think a lot of times people don’t wanna sit down and do this math because they tend to think that it’s the worst case scenario; that everything’s terrible. But being in that constant state of panic without real information is actually worse for you because you’re living that constant fear of not knowing.
[00:14:54] Once you sit down and know you actually have some information to make some tools with … You don’t have to get granular with a spreadsheet, if that’s gonna stress you out, but you might discover you might actually find that you think it’s really terrible, when you sit down and you realize, “Oh, my income got cut. I’m down to four days a week instead of five days a week at work, but actually, I was saving 20 percent of my income before, so it’s fine.” If you sit down, you might actually realize it’s not as bad as it was.
[00:15:22] Remember, your goal is getting through each day, and we’re trying to get out of the year 2020 alive. We’re not trying to get ahead. We’re not trying to make big accomplishments, if it’s not in the cards this year. We’re just trying to get you out of this year, healthy and whole. Also, we’re also trying to topple police brutality, and systemic racism because we decided we need more challenges this year, but it was a long time coming …
[00:15:45] So, goal number three – my next recommendation is that if you do have a secure income, at least for now, put your savings on autopay. Do an automatic transfer to your savings, or retirement account every pay cycle, based on what’s reasonable for you, and just leave it. Don’t log in, or stare at it, especially investments. So, if you’re doing like retirement and stuff like that, a lot of people enjoy that active feeling of, “Ah, put money in there,” but right now, the stock market is doing wild things and seeing your portfolio drop is going to stress you out more likely than it is going to help you.
[00:16:29] If you can kind of just set things on auto-payment and make sure that you’re paying yourself first, if you do have secure income, and you’re setting that aside … It doesn’t have to be a big, and ambitious goal. The goal here is to really minimize the amount of active work that you’re gonna need to do because I know that I just straight-up don’t know what day it is anymore. I’m not even sure the month. I thought it was April, when it was June the other day, so that’s where I’m at. I think a lot of us are at that place.
[00:17:00] So, you really wanna automate a lot of it. Set everything up on auto-payment; set your savings on auto-payment. If you do have student loans in the U.S, right now, if you have federal student loans, you actually don’t have to pay out on them, right now. You may want to be putting that money aside in savings, and you can use it to pay towards those student loans later. They currently have no interest; or you can kind of sit on it like a little emergency fund.
[00:17:29] You all know that I love budgets. I love granular budgeting. I love budgeting my money. But for many people, right now, this is not the time to start a huge, massive attempt to start tracking your expenses. Because, one, if you just start tracking your expenses, they’re probably gonna look nothing like they are under, “normal” times because life is so different for most of us, right now. Additionally, nobody needs that added stress in your life. But, if you’re like me, and it distresses you to stare at spreadsheets, now could be a time to start a granular budget.
[00:18:05] All right. I wanna say one last thing, so this is tip number four, and it’s gonna run counter to a lot of this, but I do wanna say that you do not need to put your money on hold. If you’re not in crisis, if you’re like me, and you’re more stable and financially secure than most people around you right now, it is okay to keep going with your goals. You can keep paying off your house, paying down that student loan, or saving money if you want. You don’t need to put a pause on things, if things are more certain for you than they are for other people.
[00:18:37] A listener on the livestream asked last week, “Should I even keep investing in my 401(k)? I feel like I’m just lighting it on fire right now.” Please don’t lead with panic. Even though it feels like there is panic everywhere right now, it’s a terrible financial strategy. That’s why I recommend setting things up on auto investment and not logging into look at the balance, while the markets are volatile in response to the Four Horsemen of the Apocalypse arriving.
[00:19:04] In fact, as long as you are financially stable enough to afford it, now is an excellent time to invest because you’re buying the shares in your portfolio on sale. So, even if they look like they’re losing value every time you log in, you’re actually getting more shares for your money. So, if you invest the same 100 dollars, you’re buying more shares. Whenever we get through this, when things return to a more right and hopefully more just normal, you’re gonna have more shares to increase in value. I’ve always said the best time to get started investing for retirement is 20 years ago, but the next best time is right after you have that emergency fund.
[00:19:45] The other thing is that a best time to buy a house is when you are financially ready; not timing the market. The things that make financial decisions make sense on a personal level, before the pandemic, are just the same as now. If your personal financial circumstances have changed, you might have to reevaluate, but don’t be swayed by whatever the markets are doing. Don’t be swayed by crazy low interest rates.
[00:20:10] Focus on you. If you are in the position to buy a house, if it’s not too much burden relative to your income – you have a predictable and relatively stable income, and you have an emergency fund, money to put down, and your other debt isn’t too high – then interest rates are not the important part. The panic of the pandemic is not the important part.
[00:20:31] That also means the flip side is true. You shouldn’t panic and rush out to buy a house because the interest rates are low if it doesn’t make sense for you. If there is anything 2020 has taught us, it’s that you cannot predict the market. You do know if you are currently financially equipped to buy a house, so make decisions based on yourself and not speculation.
[00:20:54] The very last thing, but the most important thing I wanna say about money right now, is that if you are able, giving money to Black-run organizations that are helping with on-the-ground resistance that are working on systemic change of dismantling White supremacy and responding to the health crisis of COVID-19, particularly in communities of color, it’s really important. Giving money away, you can do from your house. You barely have to lift a finger. You can do it from within the Instagram app. It makes a real difference.
[00:21:28] I’m donating 100 percent of Oh My Dollar! revenue this week, including all ad revenue from this episode and a week’s worth of Patreon funds to GLBTQ+ Black-led organizations doing work in their community. I’ll be matching all that revenue out of my own personal funds, and my day job will match up to $100 dollars, as well. So, just by listening to this episode, you are helping raise money for social justice. Know that even if you don’t have money to donate, there are ways to help like this.
[00:21:58] I’m in a position to do this right now, and as long as I can keep my lights on and my rent paid, Oh My Dollar! will be donating all ad revenue to people doing work on the ground. If you are in the position to donate, yourself, and want guidance, I have linked to the organizations that need support in the show notes, including who I have supported from this. These all came to me as recommendations directly from Black, queer, anti-racist advocates that I know are doing work in their communities.
[00:22:27] This is where understanding what you can do to help is important, because for some of us, we don’t have the time, or the health to be out in the streets because we are still working, possibly overtime, in essential services, but we do have money. Because I’m immunosuppressed, it’s not safe for me to be on the ground, right now, with other folks standing up for racial justice, but I can lend some of my tiny platform and money to folks doing the work.
[00:22:51] For example, because I’m financially stable, again, for the first time in four years, I just started to move my standard donation of five percent of my monthly personal income to now donating 10 percent of my monthly income to charity and mutual aid. But I only did that because I was able to get my emergency fund back up to a 10-month emergency fund after slowly whittling it down the past few years. I had to get my own house in order first.
[00:23:20] If money is as tight for you as it is for many right now, know that donating is not the only way you can help. The first thing you can do is keep yourself safe and healthy. If you’re in acute financial crisis, it’s very hard to help someone else because that takes a ton of brain and emotional power. Even if you aren’t in the financial position to donate, becoming anti-racist is a lifelong process of undoing ingrained bias.
[00:23:44] If you’re not Black, work on educating yourself on anti-Blackness and help your friends work on their racism. I have linked to some amazing books and podcasts in the show notes that can help you educate yourself. One of my favorite podcasts about Black life is called The Nod, and Yo, Is This Racist?, which I’ve been following since it was a Tumblr feed in 2012. A book that changed my thinking about the racial justice system in the United States is called The New Jim Crow.
[00:24:16] It’s your job to do the work to educate yourself, not your Black friends, not your Black coworkers, and certainly not Black strangers on Twitter. So, if you don’t follow Black creators on your favorite social platforms, now is the time to change that. Don’t put the burden on them to do the work for you or give you assignments.
[00:24:35] Also, I forgot to mention, what with the state of the world, but it’s kind of a big deal. Oh My Dollar! was featured in the New York Times last week, like the real print Sunday New York Times. If you’re a new subscriber, welcome. I hope you like what you hear. Please reach out with any financial questions. I am here to help. If you don’t think that Black Lives matter, then you probably won’t wanna stick around.
[00:24:57] Well, that’s our show. That was a lot. Before we close out, I love to hear a little audio updates about how listeners are doing out in the world right now. It is a wild time. Here’s an update from a listener down under.
Judy: [00:25:11] Hey, I’m Judy. I’m a listener from Australia. We’ve been pretty lucky over here. Our country and our state have had fairly low caseloads of COVID. My household in particular has been very lucky because my husband is still working, and we put our son out of daycare mid-March. We thought at the time that we were gonna have to be paying full time, as long as this lasted, and we were worried but willing to pay that to keep them open because they’re great. The government actually made daycare free for three months.
[00:25:40] Even though daycare is a huge cost for us, the amount of money we spent setting up a home office completely offset that. We’ve also spent a lot of money on toys, and extra books, and things to keep our kid occupied. Almost feels like setting up a daycare at home, although it’s not quite that intense. I’ve spent a lot of time working on weekends and after bedtime, which, I mean, if we’ve made the choice to keep our son home for other reasons would be fine, but being in the middle of a pandemic and not a choice we made, it really tipped us into a month or more of apathy, where we would almost just zone out. I was falling asleep at 7:30, when our son went to bed and not waking up until 7:00 the next morning because my body shut down … We’ve been lucky.
Lillian Karabaic: [00:26:32] If you do wanna send us a little audio money diary, you can leave a voicemail in the U.S. at (503) 877-4338, or you can email us a voice memo, or financial questions, to questions@ohmydollar.com. Tweet us @Anomalily, or @ohmydollar. In this time of social isolation, staying connected with our community is more important than ever. I’m doing live streams every Saturday at 5:00 p.m. Pacific, until I am free of lockdown; so, I don’t know, possibly for the next forever.
[00:27:05] You can subscribe to my YouTube channel at youtube.com/anomalily to notified about new live streams. I also answer questions I can’t get to on the podcast, there. You can join our online community at forum.ohmydollar.com that Diapsoun described as, “A serious community where we figure out how to finance our plants and yarns.”
[00:27:29] Oh My Dollar! is usually recorded at the XRAY.FM Studios in Portland, Oregon, but is currently recorded from a phone box in my closet and is syndicated through PRX. This episode was underwritten by Tamsen G Association, Hank Green, Warrior Queen, and Galina S.. This episode was engineered, and edited, and hosted by me, Lillian Karabaic. Our intro music is by Aaron Parecki. Thank you for listening. Until next time, remember to manage your money so it doesn’t manage you. Black lives matter.
