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?

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.

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!

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time.

Sign up for my free budget boot camp @ https://freebudgetbootcamp.com/

To learn about money without out the pretentious Bu!!sh%t give me a follow here.

Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/

🔗 Stay Connected
Facebook: https://www.facebook.com/financestheotherfword
Instagram: https://www.instagram.com/financestheotherfword/
TikTok: https://www.tiktok.com/@ftofw_podcast?


📕Finances the Other “F” Word-Another “F” Word to Love Amazon: https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927

Walmart: https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875

🔊 Other Ways to Listen
Apple Podcasts: https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731
iHeart: https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/
Spotify: https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl

Swag & Merch: https://financestheotherfword.com/

Questions, comments, or want to be on the show? Contact us at mel@financestheotherfword.com

On today’s episode, host Mel O CFP dives deep into the world of Homeowners Associations—better known as HOAs—and unpacks why so many people have a love-hate (or just plain hate) relationship with them. From personal stories of financial hardship to the long, often ugly history of HOAs rooted in discrimination and systemic inequality, this episode pulls no punches.

Mel walks us through how HOAs originated in the post-WWII suburban boom, the Federal Housing Administration’s backing of these associations, and how their policies affected everything from generational wealth to cultural expression and racial inclusion. She shares her own experience of losing a property to an HOA foreclosure, explores outrageous fees and hidden charges, and explains why so many senior citizens, families, and first-time buyers are getting priced out of their homes.

With plenty of passion (and a couple of cathartic rock tracks along the way), this episode exposes the unchecked power of HOAs, the lack of government oversight, and the growing influence of private equity firms in the sector. Mel rounds out the episode with tips on budgeting, a call to get informed and involved, and an unapologetic rant against the powers that be. Whether you’re a homeowner, renter, or just dreaming of buying property someday, this is an episode you don’t want to miss.

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time.

Sign up for my free budget boot camp @ https://freebudgetbootcamp.com/

To learn about money without out the pretentious Bu!!sh%t give me a follow here.

Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/

🔗 Stay Connected
Facebook: https://www.facebook.com/financestheotherfword
Instagram: https://www.instagram.com/financestheotherfword/
TikTok: https://www.tiktok.com/@ftofw_podcast?


📕Finances the Other “F” Word-Another “F” Word to Love Amazon: https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927

Walmart: https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875

🔊 Other Ways to Listen
Apple Podcasts: https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731
iHeart: https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/
Spotify: https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl

Swag & Merch: https://financestheotherfword.com/

Questions, comments, or want to be on the show? Contact us at mel@financestheotherfword.com

In this urgent episode, host Mel O, CFP, tackles the critical fallout from the unprecedented firing of the Bureau of Labor Statistics commissioner by the Trump administration. Mel O pulls back the curtain on how manipulating key economic data not only shakes the foundation of America’s financial system, but hits the 99% hardest—impacting everything from your job security to your retirement, investments, and everyday cost of living. Drawing on historical examples from the USSR and Argentina, Mel O warns that undermining the credibility of our economic agencies sets the stage for instability, erodes public trust, and could spiral the U.S. into recession. If you’ve ever wondered why accurate data matters—and what happens when it’s tampered with—this is the episode you can’t afford to miss.

Catch Mel O Live on the Stationhead app @momentofmetal Wednesday at 6 AM Pacific Time.

Sign up for my free budget boot camp @ https://freebudgetbootcamp.com/

To learn about money without out the pretentious Bu!!sh%t give me a follow here.

Want to talk to Mel about money? Schedule a call with her directly: https://hotmoonfinancial.com/

🔗 Stay Connected
Facebook: https://www.facebook.com/financestheotherfword
Instagram: https://www.instagram.com/financestheotherfword/
TikTok: https://www.tiktok.com/@ftofw_podcast?


📕Finances the Other “F” Word-Another “F” Word to Love Amazon: https://www.amazon.com/FINANCES-Other-F-Word-Mel/dp/1733665927

Walmart: https://www.walmart.com/ip/FINANCES-The-Other-F-Word-Paperback-9781733665926/361773875

🔊 Other Ways to Listen
Apple Podcasts: https://podcasts.apple.com/us/podcast/finances-the-other-f-word/id1460418731
iHeart: https://www.iheart.com/podcast/263-finances-the-other-f-word-47519083/
Spotify: https://open.spotify.com/show/78TrGiNHzzlIfXVY9INbdl

Swag & Merch: https://financestheotherfword.com/

Questions, comments, or want to be on the show? Contact us at mel@financestheotherfword.com