You got problems that you either can't turn with, you don't know how you're supposed to earn it or what to do with it or how to keep it.

You're a freak with a dark shankful secret, but you're not the only one.

Teach your hidden financial fears with a blessed son.

Now your healing has begun. It's back with money with Gabby.

Done.

Hello and welcome to Bad With Money.

I'm your host Gabby Dunn and this is a show about finances and feelings where we don't talk down to you.

We are on season 9 of this show, season 9.

It started in 2016 and anyone who's been listening for even a short amount of time would probably say that this show strives at its best moments to be inclusive in both its guest list and in the topics that we cover.

There's an unofficial policy of not booking straight cis white men if we don't absolutely have to.

I've always believed if you can find one of those to talk about a topic you can probably find one or two marginalized people to speak on that very same topic.

This episode of Bad With Money is all about inclusion, equality and equity. What does it mean to make truly inclusive work?

One of this week's guests gives quite a succinct answer.

Listening by just listening.

As a constant consumer of money media, I can say with conviction that not a whole lot of listening happens there.

Think of Mad Money's Jim Kramer screaming on CNBC about which stocks to pick or Dave Ramsey screaming at collars for being stupid, including one Colin show on January 4th 2021 where he and the caller misgender the collars partner for like a solid seven minutes.

And another April 27th 2021 call from a quote unquote depressed millionaire who wants to cut her socialist children out of her will and Dave Ramsey tells her that socialists are not people of character.

Yeah, I had not watched that much Dave Ramsey prior to writing about inclusion and equality for this show and who boy.

Even former bad with money guest and sometimes okay person slash lesbian chaos demon, Susie Orman raises her voice and tells people that they are dumb, that they are super dumb.

Money media is not inclusive on the largest scale and I'm talking about mainstream TV or podcasts, but individually and for up and coming financial advisors and creators, the gaps are being filled in.

I see more and more websites, Instagram accounts, books, newsletters, all independent largely being created by marginalized people.

I've also seen a notable increase in in particular black women personal finance activists and influencers on Instagram.

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