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Why it matters to save your first $1,000 when you’re $200k in debt
How to have enough pt 2: Real Constraints vs. Mindset Shift

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ridefreefearlessmoney

Feminist financial educator & consultant / courses, workbooks, coaching & workshops / hustle real talk for values-driven folks

Ride Free Fearless Money
People in the US are starting 40% more businesses People in the US are starting 40% more businesses in 2020 than in recent years, according to US Census #opendata that reports on EIN applications. Some will be operating from necessity, others from opportunity or passion. Either way, if you're an #entrepreneur right now, you're in abundant company. (And if you're NOT one, supporting the #startup of a friend or family member is an awesome way to elevate this trend!) I'm lucky to have worked with lots of startup #businessowners, and to be speaking to a pre-accelerator program tomorrow. My key message is around specificity: know the human need you serve, know the feelings and facts of your situation, know that you're able to pay yourself and how much, and know why you're taking the steps you are - even and especially when they're from necessity. Oh, and save for taxes! Data source: https://www.census.gov/econ/bfs/index.html
A revision to the very broken Public Service Loan A revision to the very broken Public Service Loan Forgiveness (PSLF) program may be in the works by the incoming Biden administration. Currently, after making 120 qualified IBR payments while working in public service - like at a nonprofit or for a city - and being enrolled in PSLF, borrowers are supposed to be eligible to get the rest of their student loans wiped clean. Of a recent 18,000 applications for PSLF, only 4% got approved. Something is very wrong! The new administration wants to re-version the program, so that each year of service clears out $10k of student debt, in order to incentivize working in the public sector - traditionally lower-paying, making it harder to pay off bigger debt loads. #PSLF #StudentLoans #StudentLoanDebt #PublicSector #PublicService #LoanForgiveness #BidenAdmin #IBR #CancelDebt
#coronasales #businessincovid #smallbusiness #shop #coronasales #businessincovid #smallbusiness #shopsmall
3.2 million US businesses started this year - from 3.2 million US businesses started this year - from necessity and invention. Along with shopping #smallbusiness - are you thinking about starting a small business, or have you? New blog post out on how to start, sustain, and scale!! #smallbusinessowner #shopsmall #startsmall #bossmoves #byoboss
The Biden administration is strongly considering a The Biden administration is strongly considering a flat $10k forgiveness on federal student debt - which would wipe out student debt for 30% of debt-holders! It could be done swiftly by executive order -- should it? Possible problems include: the debt might be taxable, and it would only apply to those currently paying loans - not those who’ve already paid. Personally I would love to see an equivalent tax credit for those of us who’ve already paid off loans at some point - but I do NOT think the program should be held up over figuring it out! Seeing so many friends and clients struggle with student loan payments makes it clear to me that a release valve is needed in order to help people and the economy move on. What do you think? #cancelstudentdebt #studentloandebt #debtforgiveness #biden #doit
In episode 4 we discuss models for reparations, ho In episode 4 we discuss models for reparations, how they are valued, calculated, and implemented. #Reparations #Now #Calculations #LadiesWhoCrunch #BottomLinesTopDollars
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"I paid off my biggest credit card last week. I still can't believe it. Your class kicked it into high gear for me. The shift was totally in the idea of taking myself more seriously and believing that there will be a future me. Huge shift." -- K., freelance designer

“I learned more than I knew I needed to know about money in Damien’s class and I don’t regret it!” -- RYAN B., bike mechanic

“Just wanted to express gratitude for all your money teachings and tips! My sweetie and I are using it together and it’s helped us talk about money and planning with less shame and guilt.” -- ANONYMOUS, online

“I never wanted to take a course on financial planning because I had always assumed it would be over my head or speak to values that didn’t resonate with me. But this class was designed for people like me! Damien shares my values of social justice, and helped me to figure out fair, ethical ways to relate to money.” -- DARA B, education consultant, dareconsulting.com

“As a chronically ill femme of color artist living the freelance life, money is often a source of fear and uncertainty for me. I took Damien’s class and was blown away by her clarity and sensitivity. How amazing to learn about money with someone who is so anchored in social justice! She created a warm, inclusive environment; was on-point about intersectionality, and shared incredibly useful tools and tips. I never thought that discussing money could be so fun, and I left the class feeling a new sense of hope and possibility.” -- ANONYMOUS, Freelance artist

“I feel more calm about money after this. I’m shocked. I realized that I don’t have to use the same symbols and judgements that everyone else seems to use when they talk about this stuff. That’s really powerful.” - BEVIN B., blogger & lawyer queerfatfemme.com

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