by Mel O CFP, Zoe Terry ESQ
A Gen Xer podcast for musicians and music lovers, where we discuss music and money without all the pretentious BS! ---Listener discretion is advised--- Hosts- Mel O-Certified Financial Planner and author of "Finances the Other "F" Word", and Zoe Terry-attorney at large.
Language
🇺🇲
Publishing Since
4/18/2019
See how your podcast performs across key metrics
Recommendations available
Unlock the full report to see detailed tips
Recommendations available
Unlock the full report to see detailed tips
Unlock comprehensive insights including:
See how your show performs across every key metric
High authority scores make your podcast more attractive to industry leaders and influencers who want to appear on credible shows.
Sponsors look for podcasts with proven authority and engagement. Your score demonstrates your podcast's value to potential partners.
Understanding your strengths and weaknesses helps you make data-driven decisions to expand your listener base effectively.
Pitch yourself as a guest, propose sponsorships, or reach out directly to the host.
November 6, 2025
<p class="whitespace-normal break-words">The government's shut down again, and everyone's losing their shit. In this episode, I break down why shutdowns happen under both parties, why this one hits different, and what it means for your job, your money, and your life.</p> <p class="whitespace-normal break-words">But here's where it gets interesting: I tackle a Libertarian argument I hear constantly - "We'd all be better off without taxes and government." Would we, though? I dig into real-world examples of what actually happens when governments collapse or disappear: Somalia's chaos, Hong Kong's tax model, oil-rich Gulf States, and financial disasters in Greece and Chile.</p> <p class="whitespace-normal break-words">As a business owner who relies on the ACA for health insurance, this isn't theoretical bullshit for me. This is real life. Let's talk about what fiscal policy actually does to everyday people trying to build wealth and not get f/cked over.<span style= "font-size: 16.0pt;"> </span></p> <p class="whitespace-normal break-words"> </p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One';">Sign up for my free budget boot camp @ </span><span style= "font-size: 16.0pt;"><a href= "https://freebudgetbootcamp.com/"><span style= "font-family: 'Pathway Gothic One';">https://freebudgetbootcamp.com/</span></a></span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> TikTok:</span> <span style="font-size: 16.0pt;"><a href= "https://www.tiktok.com/@ftofw_podcast"><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://www.tiktok.com/@ftofw_podcast?</span></a></span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One';"> </span></p> <div style= "text-align: center; vertical-align: baseline; margin: 0in 0in 0in .5in;" align="center"> <hr align="center" size="2" width="100%" /></div> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> </span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> Connect & Listen:</span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> </span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> Facebook:</span> <span style="font-size: 16.0pt;"><a href= "https://www.facebook.com/financestheotherfword"><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://www.facebook.com/financestheotherfword</span><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> </span></a></span><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;">Instagram:</span> <span style="font-size: 16.0pt;"><a href= "https://www.instagram.com/financestheotherfword/"><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://www.instagram.com/financestheotherfword/</span><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> </span></a></span><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"><span style="mso-spacerun: yes;"> </span><br /> <br /> My Book:</span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> Finances the Other "F" Word-Another "F" Word to Love Amazon:</span> <span style="font-size: 16.0pt;"><a href= "https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927"><span style="font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927</span></a></span></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> Walmart:</span> <span style="font-size: 16.0pt;"><a href= "https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875"> <span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875</span><span style="font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> <br /></span></a></span></p> <p style="margin: 0in 0in 0in .5in;"><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One';">Listen on other platforms:</span></p> <p style="margin: 0in 0in 0in .5in;"><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> <br /> Apple Podcasts:</span> <span style="font-size: 16.0pt;"><a href= "https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731"> <span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731</span><span style="font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> </span></a></span><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;">iHeart:</span> <span style="font-size: 16.0pt;"><a href= "https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/"> <span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/</span><span style="font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> </span></a></span><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;">Spotify:</span> <span style="font-size: 16.0pt;"><a href= "https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl"><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl</span><span style="font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> <br /></span></a></span></p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;"><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> Swag & Merch:</span> <span style="font-size: 16.0pt;"><a href= "https://financestheotherfword.com/"><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: #1155cc;"> https://financestheotherfword.com/</span><strong><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black; text-decoration: none; text-underline: none;"><br /> <br /></span></strong></a></span><span style= "font-size: 16.0pt; font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> Questions, comments, or want to be on the show? Contact us at mel@financestheotherfword.com<strong><br style= "mso-special-character: line-break;" /> <!-- [if !supportLineBreakNewLine]--><br style= "mso-special-character: line-break;" /> <!--[endif]--></strong></span></p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;"><span style= "font-family: 'Pathway Gothic One'; mso-bidi-font-family: Arial; color: black;"> <strong><br style="mso-special-character: line-break;" /> <!-- [if !supportLineBreakNewLine]--><br style= "mso-special-character: line-break;" /> <!--[endif]--></strong></span></p>
September 29, 2025
August 27, 2025
<p>Today, host Mel O, CFP, takes on one of the most heated debates in financial and generational discourse: “Are Boomers Really to Blame?” Drawing from decades of economic policy, Mel digs into the legislation and shifts that have shaped our financial landscape—from Prop 13 in California to Reagan’s tax cuts, the weakening of unions, and the boom-era laws that cemented advantages for asset-owners. But is the finger-pointing justified?</p> <p>Mel explores how much blame truly lies at the feet of the boomer generation versus the silent and great generations that came before, and how the cumulative impact of these decisions now weighs on Gen X, millennials, and Gen Z. With her trademark honest (and sometimes irreverent) analysis, Mel breaks down misunderstandings, exposes the nuances behind “lazy millennial” stereotypes, and offers historical context for today’s housing crisis, tax policies, and deepening wealth inequality.</p> <p>Whether you’re tired of generational scapegoating or ready to hear some fresh perspective on social and economic trends, this episode will challenge—and maybe even change—the way you see the debate. Tune in for financial myth-busting, a few metal tracks, and a real talk about what generations have really done to our wallets!</p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;">Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time.</p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;">Sign up for my free budget boot camp @ https://freebudgetbootcamp.com/</p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;"> </p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;">To learn about money without out the pretentious Bu!!sh%t give me a follow here.</p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;"> <strong> </strong></p> <p style="vertical-align: baseline; margin: 0in 0in 0in .5in;"> <span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"> Want to talk to Mel about money? Schedule a call with her directly:</span> <a href= "https://hotmoonfinancial.com/"><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif;">https://hotmoonfinancial.com/<br /> <br /></span></a><span style= "font-size: 11.0pt; font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji'; color: black;">🔗</span> <span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"> Stay Connected<br /> Facebook:</span> <a href= "https://www.facebook.com/financestheotherfword"><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://www.facebook.com/financestheotherfword</span><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> </span></a><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">Instagram:</span> <a href= "https://www.instagram.com/financestheotherfword/"><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://www.instagram.com/financestheotherfword/</span><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> </span></a><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">TikTok:</span> <a href="https://www.tiktok.com/@ftofw_podcast"><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://www.tiktok.com/@ftofw_podcast?</span><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> </span></a><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"><span style="mso-spacerun: yes;"> </span><br /> <br /></span><span style= "font-size: 11.0pt; font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji'; color: black;">📕</span><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">Finances the Other “F” Word-Another “F” Word to Love Amazon:</span> <a href= "https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927"><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927</span></a></p> <p style="margin: 0in 0in 0in .5in;"><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"> Walmart:</span> <a href= "https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875"> <span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875</span><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> <br /></span></a><span style= "font-size: 11.0pt; font-family: 'Segoe UI Emoji',sans-serif; mso-bidi-font-family: 'Segoe UI Emoji'; color: black;">🔊</span> <span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;"> Other Ways to Listen<br /> Apple Podcasts:</span> <a href= "https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731"> <span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731</span><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> </span></a><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">iHeart:</span> <a href= "https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/"> <span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/</span><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> </span></a><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black;">Spotify:</span> <a href= "https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl"><span style= "font-size: 11.0pt; font-family: 'Arial',sans-serif; color: #1155cc;"> https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl</span><span style="font-size: 11.0pt; font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> <br /></span></a></p> <p class="MsoNormal" style= "margin-bottom: 0in; line-height: normal;"><span style= "font-family: 'Arial',sans-serif; color: black;">Swag & Merch:</span> <a href= "https://financestheotherfword.com/"><span style= "font-family: 'Arial',sans-serif; color: #1155cc;">https://financestheotherfword.com/</span><strong><span style="font-family: 'Arial',sans-serif; color: black; text-decoration: none; text-underline: none;"><br /> <br /></span></strong></a><span style= "font-family: 'Arial',sans-serif; color: black;">Questions, comments, or want to be on the show? Contact us at mel@financestheotherfword.com<strong><br style= "mso-special-character: line-break;" /> <!-- [if !supportLineBreakNewLine]--><br style= "mso-special-character: line-break;" /> <!--[endif]--></strong></span></p> <p> </p>
Guests from recent episodes — sign up to see every guest that has ever appeared on this show.
[Guest Name Credential]
Guest
Have a different question and can't find the answer you're looking for? Reach out to our support team by sending us an email and we'll get back to you as soon as we can.
A Gen Xer podcast for musicians and music lovers, where we discuss music and money without all the pretentious BS! ---Listener discretion is advised---
Hosts- Mel O-Certified Financial Planner and author of "Finances the Other "F" Word", and Zoe Terry-attorney at large.
This podcast updates weekly.
This podcast is available on 10 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Information about guest appearances is not available.
Pod Engine is not affiliated with, endorsed by, or officially connected with any of the podcasts displayed on this platform. We operate independently as a podcast discovery and analytics service.
All podcast artwork, thumbnails, and content displayed on this page are the property of their respective owners and are protected by applicable copyright laws. This includes, but is not limited to, podcast cover art, episode artwork, show descriptions, episode titles, transcripts, audio snippets, and any other content originating from the podcast creators or their licensors.
We display this content under fair use principles and/or implied license for the purpose of podcast discovery, information, and commentary. We make no claim of ownership over any podcast content, artwork, or related materials shown on this platform. All trademarks, service marks, and trade names are the property of their respective owners.
While we strive to ensure all content usage is properly authorized, if you are a rights holder and believe your content is being used inappropriately or without proper authorization, please contact us immediately at hey@podengine.ai for prompt review and appropriate action, which may include content removal or proper attribution.
By accessing and using this platform, you acknowledge and agree to respect all applicable copyright laws and intellectual property rights of content owners. Any unauthorized reproduction, distribution, or commercial use of the content displayed on this platform is strictly prohibited.