Gaby details Mal's dip into modeling, meanwhile Mal's been trying to change their psych meds for a month and the bills are piling up. They also deal with their first bit of criticism via email and it doesn't go well. Alex writes in to talk about their SAD PLASMA email that started it all. Emma gives pet insurance thoughts and advice from an industry insider. Monti brings the pain to Mal about their opinion on tech jobs being overpaid -- and Mal is not convinced. Selome warns that paying your debt off too fast might actually ding your credit score. Then, Jen pops by to ask for an episode about the costs of being kinky, a Furry, or attending orgies and swinging. Gaby LOVES this. Plus, New Zealanders call in!!! We need to hear your accents!  For a full transcript, visit: https://bit.ly/3TbBtqV 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