1750: Trump, Climate Change and Smart Ways to Spend, Save and Invest Sustainably
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you listening to so money with award winning money. Gu fini, each day get a thirty minutes of financial inspiration from the world's top business minors influence, looking for waves to save on gas or double your double coupons. Sorry, you're in the wrong place seeking profound ways to live a Richard, have your life. Welcome to so many.

Release yourself from the expectation of perfection, whether that's with your money or with your sustainable actions because that's never gonna en, and that's okay.

Well, going back to so money, everybody, as we face the possibility of a second trump administration rolling back critical climate action policies, it's not clear if we can rely so yon governments are CoOperations to solve these problems. The good news, there's a lot that we can do with the power of our own wallets to make an impact. And that's why i'm really happy to welcome care parrels to our show today.

Care is the founder of bravely go and the author of Green money. SHE has incredible and practical insights, ts, on how we can spend, save and invest in ways that not only protect our financial future, but also helped to slow down climate change. In her book, Carry gets real about the chAllenges we all face, like how social media creates formal that pushes us to overconsume, which hurts both our budgets and the planet.

If you've ever felt overwhelmed about where to start, cares advice will show us the way here's Carries. Care per as welcome to so money. Congratulations on your new book, Green money.

Thank you so much for having me and thank you very exciting.

You know, first time author, after so many years helping people with their money, you know, Green money, we wanted get into IT a deeply on this episode. But IT extort of combines your expertise and finance and your passion for sustainable living. You could write probably a ton of other books on different subjects. Why was this particular topic important to you? And why do think now is the right time for this conversation?

You know, I think so many people are really coming to the world of sustainability. And I think as we experience different things happening in the world, like major storms, writer, hotter summers, I think people are really waking up to the connection of how we live impacting the world around us.

And of course, our money is a huge part of how we live, right? And um I wanted to write this to really capitalize on this awaken ing that I think people are having and to be a voice for positivity in the sustainability, the money and the climate conversation, because so often people will think about, I mean, i'm sure you've had conversations with people that, oh, I can't invest rate, it's it's too much. It's overwhelming.

I just on't even know where to begin. And it's the same in the sustainable living community of light. Oh my gosh, the climate conversation seems so big or sustainable living. There are so many things I need to do. I don't even know where to start. And so I wanted to write this book as a guide of, hey, here's how you can use your money to live more sustainably, and here's how you can use your money to change the world around us from step one to step two to step three, like I walk you through IT.

Yeah, you're right. It's a we want to pay off right away. We want to be able to put our money to use what that's investing or anything else in like feel an immediate reward. Whereas with investing reward may not be for many, many years. And I think similarly in this since living um market, while there are some things you can do and immediately feel the impact when we think about like we're yelling and what does IT even matter.

right? Like H I think a lot of people think, oh, it's just like one drop in a bucket. If I can fill up the bucket, IT doesn't matter.

And the book really focuses on IT all matters. And here are variety of people. Each chapter starts with a story of people who are doing things differently and really impacting the world around them.

And I just think that it's so encouraging to see people already doing IT. And then you're like, where do I fit in, right? How can I find my spot? And that's really what the book helps guide people to.

So how do I find my spot? I think you usually brought up the overwhelm and the lack of direction. And so what are some practical ways for someone who wants to live at the intersection of making smart money moves, but also being conscious about the environment and living sustainably? How can they sort of begin to develop their road map?

The first thing I say in the book, and the first thing I say all the time, is throw the idea of being perfect out the window. I have been someone who's been working on my money, and specifically working on making my money more sustainable. For example, I don't invest in fossil fuels four years.

Do I still use single use plastics sometimes? yes. Do I still have a gas powered car? yes.

So release yourself from the expectation of perfection, whether that's with your money or with your sustainable actions because that's never gonna en and that's OK and we do they're onna be conflicting realities along the way. exactly. We live in a complex world, and our money systems make our sustainable actions more complex.

So we have to accept a level of complexity and a level of, okay, I did. A, I wasn't able to do b, that doesn't mean i'm a bad person. So you have to threw out the black and White thinking, step one.

The second thing is, I ask people, and we have exercises for this in the book to explore what you're interested in. Like, if you don't care at all about recycling, don't be. Like, you know what I need to do, become my towns like chief recycling officer because you hate that.

That's fine. There are so many ways that you can practice a sustainability. Maybe you're really into food.

You really appreciate fresh food. okay? Maybe you start volunteering one hour every single weekend at a community garden, right? You get your hands in the dirt, you see how food is grown, and you help provide food for low income families. That's a way to online, a value and interest with a sustainable action.

So I encourage people to think about, what am I interested in? What are I like doing? And then I promise you, there is already an organization, a person or some sort of effort out there that is working on that.

At the same time, i'm sure you addresses in your book there is this culture of over consumption that we live in fast fashion is is something that a lot of us are getting accustom to, and it's a big business. There is obviously reliance on the fossil fuels, and these are bia large systemic issues.

So while you're volunteering ing at your local organization or or doing things on an individual basis, how do you, how do you care actually cares how you do IT like feel like you are making a global impact, especially when you're just one person. And then there are these changes that are really reliant on policies to change and corporate and and board to actually move the needle. So how do you, I guess.

say motivated yeah you know there's a phrase and i'm not sure who said this originally, but it's think global, act local yeah and that's what I always, always, always tell myself. I'm not the president of the world, right? Like I can't change policy in china or policy in, uh, you ethopia a around how they manufacturer clothing or how they produce food.

What can I do in my own life? Oh, and I need new pants. Instead of going out and buying fast fashion, which we know is an environmental disaster, we know as a human rights disaster, I can host a clothing swap with five women who are of similar sizes to me or not, whatever.

And I can meet people in my community. I can get new to me clothing, and I don't have to spend any money. So I encourage people to and there's a whole again, we mentioned this in the book. There's a whole section on how to get your needs met without having to spend money in an effort to counteract that easy over consumption that is so common in american life.

And I think we're really seeing an interest in this with the other consumption core trend on social media right now where people are sick of everything being so expensive and people are sick of things being kind of garbage, right? Buy something and IT breaks after two uses and you're like, that's forty dollars now I can't return IT. So that was just a waste question mark, question mark. So I encourage people to lean into the idea of community, to lean into the idea of borrowing and really acting on local levels in order to build out impact that has a ripple effect.

I love that, and I also want to out offer that. Well, we're talking about, you know, sustainability and trying to save money. Sometimes there's something to be said about spending more money on the higher quality product that's going to last.

That's not going to be a ten dollar shirt that you'll just well as ten dollars as a well as bighead I staining, I don't care. And then you go to buy another one words, the nice of things that you have in your closet, the more likely you're gonna take care of IT and you paid more. But maybe you also worked with a vender that is being thoughtful about the their carbon footprint. So I just wanted throw that option out there as well that you know spending a little bit up front for the higher quality goods that you that will last is another way to to be sustainable.

Would you say one hundred percent? There's another phrase that I love. I'm sure you've heard by once cry once and it's saying you .

buy that I think about that .

first I saw on redit. So again, I don't know who to credit for that. But um yeah you buy something once it's expensive and you're like, oh my god, I can only if i'm spending two hundred dollars, a thousand dollars, right, depending on what IT is.

But then i'm going to use this every day or i'm going to use this for the next two decades, right? And I think about IT a lot when IT comes to appliances or furniture like I recently moved and I bought a new bed and I was sure to my car at a new mattress Price. I just hadn't bought a new bed about ten years, and I didn't realize they had also experienced inflation.

But I thought, Carry you sleep every night, okay? And sometimes you just lie down in bed like IT will be new. You've got a little break when you like ever heard yeah I so this is something that it's very well worth IT to buy.

High quality IT is going to be Better for your health. It's going to be Better for your lifestyle. So just buy once, cry once.

And so I did, you know, and i'm so glad that I did that. Now i'm looking into getting nicer sheet for myself. I'm really turning into like a budi bedding person. But I do think that, that is something to keep in mind up. Okay, I could buy yeah us per use. And and to your point of if this brand is attempting to make a high quality thing that will last its consumers a long time, that's a brand I can trust as opposed to the shen's and the team OS of the world that wanted sell you garbage so that you come back next week and buy even more garbage, right?

It's a business model shifting from spending. Let's talk about investing. Carol. You brought IT up A A little bit in the a earlier in the show and how well investing in general can be overwhelming. And then I often get folks who want to or know k how to White layer onto my investing strategy, this idea of being ethical and sustainable. And you you talk about not investing in companies that are in the fossil fuel category.

We've come a long way with socially responsible investing or E R G, but they're still a lot of unevenness in how companies are being branded. You know it's hard to understand really what you're investing in. And is this company really aligned with my values? And even if the answer is yes, we still want to make money, right? Like we're investing for the purpose of growing our wealth, not just to be socially conscious. That would be great if both things that happen at the same time, but what's your coach and how can we address those two desires, right, to be ethical wilbourn investing, but also get a return?

yeah. So this is what chapter six is all about, sustainable investing. And i'll use myself as an, so I don't invest in fossil fuels, right?

I don't invest in, uh, oil, coal or gas. So no x on no shell, nothing like that for me. I invest in companies like amazon. What I say that amazon is ethical, absolutely not.

You are never going to find a perfect company, a company that treats employees perfectly, that has a completely ethical, uh, supply chain that has that doesn't use fossil fuels, right? Like because we live in an connected global world that's Operating under various levels of capitalism, which is an economic system design to create as much profit as possible. So again, we have to release the idea that like there's a perfect company out there that I can invest that will always go up, always make me money and never do anything bad.

That's just simply not realistic to the world we live in. So I tell people, again, find a value that you really care about. For me, it's environmental ism.

And the biggest problem with environmental alarm right now is the damage that fossil fuels due to our planet. So I have decided, as an individual, i'll take my money out of fossil yours. I still have my money in companies that use fossil fuels.

I still hit my home with oil, right? I like, and that's the compromise that we have to make. I sleep just fine at night with that because I know i'm making an effort and I know that there are hundreds of thousands, millions of other people that are also making an effort, right? They're driving electric cars.

They are volunteering. They are voting in legislators who want to do carbon taxes and who want to protect our national parks and things like that. And together, we all have an impact.

And just back to your point of, I wanna do the right thing. I also want to make money. Yes, that totally fine. That's one hundred percent how you should be approaching. I think you're life in your money in this world.

I encourage people to find something that is important to them and to either put their money into IT or withholds their money from IT, as I am. I also encourage people to diversify the way that they think about wealth. So something I recently moved.

I spent eleven years in texas. I did a year in an and change in north Caroline. I moved back to massachusets.

I was born and raised, and all of my family is here. And I moved back because I have that social capital, right? I have family wealth and sense being back here.

One of my aunts give me a freak iac. One of my own goals was like, hey, i'm going to come over and fix your car. And so there's a way of thinking about wealth in the world that isn't just money in the bank.

IT is our social capital. IT is our skill set. IT is how we move and build community in the world. And so as we think about building wealth for ourselves, yes, I want to invite you to utilize the stock market in a way that feels good for you. I also want to invite you to build these other forms of capital .

that is awesome. I love that so much. I say similar things when people like, lose their jobs, love people getting laid off and feeling is so they've lost everything.

But it's like, do you still have your education? Do you still have your network? Do you still have your work experience? Do you still have your gumption and your great? yes. Well, i'll me tell you, my friend, those are all assets. Yes, these sources .

exactly. Yeah I think about all the time like there's this Arnold shorts and agger interview.

I love all these references that you're bringing up. I know I just thinking .

a lot about all of this family family and he says something along the lines. Like, I hate when people referred to me as self made. I'm not self made, like some in austria. And somebody like fact, check me on his story. But I think like his village, his gym, like fun, raised for his ticket to the united states like he didn't have to pay for that himself when he first got here.

He like lived in A I think he lived in his gym where he was working out and they were, yeah you don't have to pay rent and he's very upfront about the way he's been supported by other people. And I just think about that all the time of wow, arnon shorts and ager who now has a ton of money, right? Yeah, really has such a good perspective on other types of wealth, other types of capital. And I wish more people would talk about IT that way.

How makes you want to go and get an interview with annual shorts and anger now and then talk to you about as money story? I wonder if living abroad and being an immigrant is maybe partly why he has these broadened views on what wealth is. You discuss ego anxiety in your book ego anxiety.

I can talk about what that is and how you are advising people to sort of work through that and cope with that. I mean, you mean I can not order detail. You're going to be talking about the existent al questions are surrounding climate change.

And you're right, you set at the top like everyone's feeling this. Now I think that's a good thing. I think that pain is needed sometimes to sort of wagon the world and everybody up to this urgent, urgent issue.

Yes, so ego anxiety is an anxiety that people feel specifically around the future of the planet or current um ecological health on the planet. So when we talk about like saving the bees, that can cause a lot of ecology, ie because people are thinking what why do the bees need saving that? Why are the bees disappearing? Which also, we've done a great job on helping rescue the bees.

The bees are doing much Better than they were. Thanks to awareness, thanks to people making lots of changes. I'm in taking effort on that.

But eco anxiety, particular, he shows up in millennial and gz, who are legitimately asking, you know, what will water be like in fifty years? Like, are we going at the same amount of clean water in fifty years? Are we going to have summer eight months of the year in fifty years because of climate change? And this anxiety, I think, is important to address and name, because IT can be paralyzing for some people.

And that's exactly the opposite of what we want, both as individuals in our own lives and as a collective. If we're going to kind of write the ship, we can get frozen in fear. So I do talk about eco anxiety in the book and ways to overcome the fear, overcome the paralyzed, and ways to make changes at the individual level in your own life and at a bigger picture, higher level in the systems we live in.

So if you are that millennia who's like what is going to happen to my water source in fifty years, what can we do that will make us feel more empower towards the fate of water?

It's a good question of the big question. I think the very first thing is to really to consider who you listen to, especially we are just beginning to educate yourself around this. There is a lot of misinformation and disinformation out there, and there are a lot of people who pray on your fears.

They want you to be afraid so that you will follow them or pay them, right? They are using fear as a marketing tactic. And when I was writing this book, and when I pitched to this book, I was really clear that I didn't want to do that.

I was like, no, no, no, no. This is going to be a very practical book. I'm a very practical person, but is going to be very hopeful book because there is a lot of amazing things that have already been done. We've largely saved to the bees.

There's a lot of people working on these solutions, and it's really it's it's a disrespectful to listen to the voices that are praying on your fear as opposed to the voices that have the education and have the work experience on issues like this. So for example, like there's major drought issues in the western united states and there are tons of people who are working on that. So I would say if you've identified a fear, oh my gosh, i'm worried that california is going to run out of water.

Great news. There are tens of thousands of people working on that, specifically in caliber, nia. So again, find them to see how you can be a part of that. And I really encourage people on these levels. Yes, you can do things like planting drought resistant flowers in your yard or setting up timers so that you're not using as much personal water. But really, for things like this, I encourage people to think bigger picture and to get involved at the state or federal level or to find an organization and nonprofit that they can volunteer with that is working on changing that legislation because that's the way that you're going to not only overcome the fear, but moves so far beyond IT into action. They're like, I even forgot I was ever afraid because look at all of these people, look at myself, look at what we're doing and look at what we've already accomplished and what .

we're pushing for coming up. Care is gone to give us her best advice for tackling eo anxiety and finding baLance between ethical investing and financial growth. But first, a commercial break. Here's something i'm really looking forward to as the weather turns cooler. Pendant football games, pumpkin spice lot yeah I said IT and slipping into a cozy sweater from queen queens is known for their a mongolian casm waters from fifty dollars.

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Financial literacy is your mission. And then as well, you're promoting sort of social justice, ego initiatives working first. And how did you want to marry the two, the two themes eventually?

Okay, when I was a kid like elementary school, I was obsessed with A A rainforest. I just really wanted to, like, move to the amazon. And like a friend, ded jawa, I was very Brenda jaye, oh my, I read a lot of books about you, like kids who survived in the wild.

yeah. And I thought I could totally do that. You know, they have, like the disney princess animal friends. And I was like, I definitely have a friendly kind of like Jasmine with her pet tiger in alata. I was, I guess I too will have a pet tiger.

Um so I think that obsession, that elementaries goal obsession with the rainforest really got me into nature as a concept. And then I was a vacuous reader as a kid as well, and I read the little house on the puri series, which is really all about surviving off of the land and farming and hunting. And I I just feel like I grew up with this fictional world very much like I did not.

I was not farming actually, but with the fictional world that felt very real to me, that was rooted in nature. And so i've always bad interested in recycling. I've always been interested in um you know like a biking instead of driving and making these personal changes.

That's just how I live my life. And the older i've gotten in, the more i've educated myself around environmental ism, and the more i've gotten involved when I lived in charliet, i've volunteered with a tree planting group for a year. And the more i've realized this is so interconnected to our money, and did my early twenty years, I was a very broke, which is what jump started my interest in personal finance.

Before that I was like, i'm an artist. I'm going to be a writer. I'm going to write the next coast blanca and win in Oscar at twenty five.

Money is for the, you know, set in the jungle, yes, in the jungle. No, I don't need to know about money. Money is for other people.

I'm a creative creatives. Don't need to think about money, which I now think is very wrong. But being very low income, you also like the most sustainable people.

The united states are low income people because they don't have money to overconsume, right? They are reviewing their clothes. They're fixing their clothes because they don't have money to go buy something.

If you, they just get a little tired. And I would just kind of realized, oh, these two passions of mine are so beautifully connected and I would love to explore that. mark. I don't really know that anyone else in the personal finance space is really talking about that and that's kind of in the path that i've been .

following ever sense wow um yeah and but I also think that there is this at the same time you know the ten dollar shirt right? Or the SHE in halls, this is there being targeted the targeted the audience is like lower income, right? Because that's who could know directly afford like to live aspiration ally too you know they kind of create these like trendy clothes and so you get the look for less. Is there a change or seeing where now IT does even matter what income level you're at? Like everyone's just overconsuming because .

they can yeah so two things. I the interesting thing about tian is they released the data around their average consumer, and it's a woman in authorities who makes sixty thousand dollars a year. Now depending on where you live in the U. S.

Sixty, like in new york, sixty thousand dollars is not a lot of money, right? There are people who live in new york on forty thousand dollars a year. On twenty thousand dollars a year, not everyone is making two hundred k and then if you're in like IOS, sixty k hits different as the kids would say.

But I would say so the medium households didn't come in the united states of something like seventy two thousand dollars, I think seventy two to seventy five thousand. So sixty k is not that far behind that, right? That's not federally. Low income is how I would phrase that. And so that to me, says SHE and actually isn't targeting specifically low income people.

IT is offering low income people to use your words, like to get the look for less, but they actually wanna target like middle class people because middle of people have disposable income, whereas the actually low income people, they're gonna maybe one see on top, and they're gonna make that top work for a while do. And that was my when I was in my twenty years, I said I was a very low income. I mean, I was making fifteen K A year.

Sixteen K A year. I remember I had these forever twenty one leggings that were literally two dollars to get new. And as I can note, i've got to sew these bad boys up like, yeah because as your .

value your money more than your time, yes.

one hundred percent. And so I do think that we are shifting and I I kind of lay the blame for this at the the feet of social media because we can view how everyone consume so we can see how the wealthiest among us consume. right?

There is a woman who had like a fifty nine million dollar wedding and SHE broadcast IT on tiktok writer Sophia, oh gosh, there's someone mercy. yes. Like somebody's famous daughter was a nine .

million dollars.

No, these are two people. He had that very fabulous way I to broadcast in. Everyone is like, oh, gosh, I really want that.

Like, even if i'm only making sixty k if I making a hundred k we can see these hyper wealthy people, and we compare ourselves to them. And that leads to the overconsumption. Like, oh, I have to buy more to keep up, right? Or I have to, the trends have changed.

I have to fit in. I think social media and tiktok in particular, have sped up the life cycle of how long something is cool or how long something is trending. It's shortening IT, which leads us to buy more. And so I do think over consumption overall is a very big problem. I do think social media feed that. But I also think that these big fast fashion companies are or any kind of company really will take their dollars, whether they can get them, whether it's from low income or high income people, they are focused on that bottom line.

This is so fasting. I feel like we've moved now into an industrial examination, like what's really happening behind the scenes. The engineering and these companies are manufacturing or formal on purpose.

one hundred percent. And there no dum is like they you know, every time you put something in your basket online and you don't actually buy IT, what happens? Oh, you get a little reminder email.

Hey, did you forget something right? It's not just we made something available online. And if you happen to find IT, great.

They are using targeted advertisement. They're using email marketing. They're using influencer marketing. They are using a bunch of tools to get you to spend money.

How about some good tools for us? Do you like any online resources? Or even like how arc is their way to use A I to just achieve more of this lifestyle that is financially smart and sustainable. We need help, right? We need even if it's just like I really like this, this tool because or IT could be an investment platform that could be, you know this A I .

prompt yeah so I use for my personal budgeting, I use empower, which is a free to use dashboard um and I use that because you can hook up all of you I use that yeah I mean .

this is not a that hash not .

sponsored but um yeah it's great because you know I have my credit cards hooked up. I have my investments, I have my bank account. So instead of having to log into three different companies, I can just log into empower and I can, oh, what did I spend on, you know, the capital one? What did I spend on the IMAX? I'm and then I also have a personalized budget spread sheet, which I know not everyone is a spread shit girly and that's totally okay.

I am I love IT, so that's kind of how I personally manage my money. I would say to people, you know, if you're more analogue, feel free to use a new book to do the tracking. But I was like to let the robots do the work.

But when IT comes to, you know, kind of being more sustainable or thinking about where your dollars end up, I do encourage people to join their local by nothing group. By nothing is this company is not really company. It's nonprofit.

That was started in seattle in twenty thirteen by these two women is on facebook and there's an APP so you can go to buy nothing. That org and the home point of IT is you buy nothing so you can post on the upper and facebook. Hey, i'm looking for once I got a computer charger.

My computer charger is stopped working. And as I can, does anyone have this for like a two thousand nine macbook? And someone was, I get that out of my house. great. So I got that completely for free. There's also like by cell swap or bycars l trade groups that are all over facebook and usually you know they goes zip code by zip code or city by city. And I also think another great tool for people to kind of live more sustainably really is your city.

What kind of programs does your city offered? Do they have a compost program? Can you put out your foods? S, are they going to pick up recycling? Now in message, there's a state wide program that will pay you for your cans. Five sensor can, which not a great way to get rich, I want to be very clear. But they reuse the aluminum, which is great, and you get to walk away with a couple of bugs, right?

I would just say for kids, that's a great exercise where they're making money, but they're also being introduced to the recycling .

market one hundred percent. Yeah, that's a great idea. So what is your area doing around sustainability in ways that could help save you money? In mass we also have um there's the mass saves energy odd IT where the state will send out completely free to you and energy auditor and i'll go through your house in the bag or you need more insulation. You should switch to electric here ababa, and you get discounted rates on that. So I think a lot of states .

offered that a lot. Well, I should say a lot of the utility companies, yes, various states do offer this. Remember doing stories on how to save on energy bills and get a noted done, yeah, yes, yeah, in everybody's best interest.

right? To exactly the energy, yes, save your bills. Useless energy. The state wins, you win. So join your look to kind of recap and find a way of budgetary that works for you and join your local by nothing, and then look to see what your state or city your town is doing that can help you save money and live more sustainably.

wonderful. Thanks for coming on and offering such really important advice care. I really appreciate you. Your book is called Green money, and we'll put a link to that in our shown nodes. And every but if you want to learn more about cara, she's that bravely go doc com.

bravely go doc. How dark? O I don't .

care where message setts are you, because I was born wister.

I mean, mr. H.

that's right. We established .

this on email.

right? amazing. Wow, I love you more. I know I could, but here, right.

shout out. Wester, we love you. You are people like to hate on IT, right? But it's a second bigger city in all of new england. Okay, and it's gonna go on.

Yeah but you know I write about wister in my book and it's the first page and I said i'm from whispers which the new york times calls .

nobody's first choice that's just talking about people hate on IT and I would like.

yeah, that's kind of a true but I think you're right. I think that is a hidden jam in many .

ways yeah and I like to think that wister's very self aware was there knows that IT is struggling in a lot of ways yeah.

which I appreciate, but trying it's really that has potential. But you know it's got a lot of universities. We've got the amtrack station, which is running quickly to boston. Now I am so idea.

Yes, they just reintroduced to the express line to boston. So yeah, it's doing a lot.

Yeah, i'm rooting for wester. They have you. So they're much Better .

shape every go is there.

Thank you so much, cara. Thank you for having me. Thanks so much to Carry arrests for joining us. Her book is called Green money, and I got that link in our show notes. I'll see you back here on wednesday for a fresh episode, and I hope your day is so money.

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