Ace Callwood: Why Is Freelancing So Hard?

Hey there! On the fourth and final episode of our Sex & Money miniseries.  "If you build it, they will come." Alexandra Fine, the CEO of Dame, a line of sex toys for women wanted to build a totally different kind of sex toy for women. She tells me all about the challenges her company faces when it comes to selling female pleasure. We talk social media, censorship, and who gets to sell sex (and who doesn't)?  Special thanks to series episode sponsor Stash. If you visit Stash.app and sign up using promo code SPENT, they'll give you $5 to start investing if you sign up and fund you invest account before December 8, 2020. *** Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. For more information, visit stashinvest.com. Spent is a paid partner of Stash.  Account opening of the debit account is subject to Green Dot Bank approval. In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash. Debit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.   Stock rewards that are paid to participating customers via the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stash Stock-Back™ is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned by this program. Early access to your direct deposit depends on deposit verification and when Green Dot Bank gets notice from your employer, and may vary from pay period to pay period. You'll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. Promotion is subject to Terms and Conditions. Promotion is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any rewards earned by this promotion. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. Nothing in these advertisements should be construed as a personal experience of Stash or its services. All accounts or descriptions are for informational purposes only. 

Hey there! On the third episode of our Sex & Money miniseries, we're talking about RISK. What do we mean when talk about risky behavior? Why do some people pay more money to take on less risk? We have Allison Schrager, author of "An Economist Walks into a Brothel" in the studio today to talk about why she went to Nevada's Moonlight Bunny Ranch in Nevada for answers.  Special thanks to series episode sponsor Stash. If you visit Stash.app and sign up using promo code SPENT, they'll give you $5 to start investing if you sign up and fund you invest account before December 8, 2020. *** Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. For more information, visit stashinvest.com. Spent is a paid partner of Stash.    Account opening of the debit account is subject to Green Dot Bank approval. In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash.   Debit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.   Stock rewards that are paid to participating customers via the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stash Stock-Back™ is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned by this program. Early access to your direct deposit depends on deposit verification and when Green Dot Bank gets notice from your employer, and may vary from pay period to pay period. You'll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. Promotion is subject to Terms and Conditions. Promotion is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any rewards earned by this promotion. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. Nothing in these advertisements should be construed as a personal experience of Stash or its services. All accounts or descriptions are for informational purposes only.   

"How do I pay my taxes and how do I have sex?" Dominatrixes @lucysweetkill and @dominadynasty talk financial literacy and sex education--and why we need more of both, on @spentpodcast's "Sex & Money" miniseries, sponsored by @stashinvest   "Our world is about female domination, empowerment, and female strength." Dominatrixes @lucysweetkill and @dominadynasty dispel myths about doing BDSM for a living, on @spentpodcast's "Sex & Money" miniseries, sponsored by @stashinvest "We're more than just our jobs. Being a dominatrix just happens to align with our value system." "Most of us have never sat down and just asked ourselves 'what am I worth?'"   Welcome to SPENT's brand spankin' new Sex & Money miniseries. Today, we've got dominatrix duo Dia Domina Dynasty and Lucy Sweetkill in the studio to talk about how they started their unique business as professional dominatrixes, how to ask for what you're worth, and why you need to do work that aligns with your values. For them? Compassion, open-mindedness, and kink. Special thanks to our sponsor Stash. If you visit Stash.app and sign up using promo code SPENT, they'll give you $5 to start investing if you sign up and fund you invest account before December 8, 2020. *** Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. For more information, visit stashinvest.com. Spent is a paid partner of Stash.    Account opening of the debit account is subject to Green Dot Bank approval. In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash. Debit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stock rewards that are paid to participating customers via the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stash Stock-Back™ is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned by this program. Early access to your direct deposit depends on deposit verification and when Green Dot Bank gets notice from your employer, and may vary from pay period to pay period. You'll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. Promotion is subject to Terms and Conditions. Promotion is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any rewards earned by this promotion. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. Nothing in these advertisements should be construed as a personal experience of Stash or its services. All accounts or descriptions are for informational purposes only.

Welcome back! You're listening to SPENT, the podcast for the financially challenged. We're back with a brand new season of incredible guests sharing all the wild ways they make and manage their money in a crazy and complicated world. It's been a while since we last spoke to each other but SPENT's mission is still the same: If you want to laugh and cry and learn about all the fascinating ways that people from all walks of life  juggle jobs, make financial decisions, and pay the rent while staying true to themselves, this is the podcast for you.  To all of you who reached out and told me how much you missed SPENT and all the harrowing and hilarious tales of money madness, I can't thank you enough. It's meant the world to me.  This time around, I'm doing things a little differently. Rather than one-offs, each episode will be part of a mini series based around a theme. First one up? Sex and money. Hey, money can be hard to talk about. So why not start things off with a bang?  We've got a killer lineup of guests over the course of the next four episodes. We've got adult film star, author, and activist STOYA in the studio to talk about royalties, residuals, and all the ways performers who work in adult entertainment  can get financially screwed. We've got dominatrix duo DIA DOMINA DYNASTY and LUCY SWEETKILL to talk about money, power dynamics, and how to demand what you're worth. Economist ALLISON SCHRAGER, author of "An Economist Walks into a Brothel" talks risk and why we pay more to take on less of it. ALEXANDRA FINE, the CEO of Dame products, talks about the art and challenges of running a tech company that sells pleasure to women.  A big shout out to our sponsor STASH. Stash is an easy-to-use app that's great for beginners that lets you bank, save, and invest smarter. Whether your goal is creating an emergency fund or saving for retirement, STASH can help you create the life you want with the money you have today, starting with just $5.  Go to Stash.app and sign up using promo code SPENT *** Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. For more information, visit stashinvest.com. Spent is a paid partner of Stash.  Account opening of the debit account is subject to Green Dot Bank approval. In order for a user to be eligible for a Stash debit account, they must also have opened a taxable brokerage account on Stash. Debit Account Services provided by and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Investment products and services are not offered by Green Dot Bank and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stock rewards that are paid to participating customers via the Stash Stock-Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stash Stock-Back™ is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned by this program. Early access to your direct deposit depends on deposit verification and when Green Dot Bank gets notice from your employer, and may vary from pay period to pay period. You'll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the Custodian. Promotion is subject to Terms and Conditions. Promotion is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A., or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any rewards earned by this promotion. This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. Nothing in these advertisements should be construed as a personal experience of Stash or its services. All accounts or descriptions are for informational purposes only.   Before we get started, I wanted to give a big thank you to our sponsor STASH. Stash is an easy-to-use, "great for beginners" investment platform that lets you, yes you, start investing the money you have today, starting with just $5.I'll be talking more about them a little in the episode, but I had to give them a shout out at the top of the episode to thank them.    Finally, and thanks for your patience in listening to all these announcements, I've got some personal news. I've got a book coming out in January that I'm really excited about. In 2019, I quit my job (and that's another story) to  interview and get to know professional dominatrixes from all over the country to learn their philosophies on how to get what you deserve in the bedroom, the boardroom, or any room you're in. I learned a lot from these fantastic women and I took everything I wrote in this book to heart. Yes, everything. It's called BOW DOWN: Lessons from Dominatrixes on How to Get Everything You Want. You can go to pre-order it at SimonandSchuster.com/books/bowdown or just pre-order it wherever you buy your favorite books, and you'll have it on January 14, 2020.    Thanks so much for your love and support. I've missed you all so much. 

Today we hit the road with Sean Donnelly, a stand-up comedian you may have seen on Comedy Central, David Letterman and Last Comic Standing. Sean tells us all the tips and tricks he's learned from 10 years on the road, his vices, his budgeting, where his money is going and where he wants to end up. Can a comedian ever retire? We work it out. 

Minda Harts is the founder of The Memo LLC, a career development company for women of color. She's a superstar career coach, helping women of all ages and backgrounds, from colleges to boardrooms to homeless shelters improve their resumes and advocate for themselves. She's here to talk about finding money mentors and how you can actually teach people to be ambitious.

If you were glued to your TV during the Scott Peterson or Casey Anthony trials, you definitely know Beth Karas, the powerhouse CourtTV correspondent who kept audiences riveted to the legal proceedings of complex cases. Today, she gets personal and talks about her financial life, her career, life after CourtTV and the one thing that holds her back. 

Our last episode of 2016! Dan Ariely, TED Talk star, Duke University professor and bestselling author of "Payoff," Rationally Irrational" and others talks to me about why we make terrible financial decisions, why comedians are fascinating, getting out of debt parties and why money can't buy you happiness.

Ace Callwood is an entrepreneur. His specialty? Freelancers and taxes. In this episode he tells the ups and downs of starting his own business and how freelancers have to look out for themselves -- but it helps if you have the right tools to keep it all together. 

Here come the bills! Sarah Tollemache is a comedian who has appeared on Comedy Central, Last Comic Standing and in clubs all over the US. She's planning her wedding and she's got a few things to say about money, marriage, medical bills and being broke.