# 730. Personal Finance...A Harm reduction Approach w/ Kara Perez

Page: https://stenobird.com/podcast/earn-invest-238116/730-personal-finance-a-harm-reduction-approach-w-kara-perez
Text version: https://stenobird.com/podcast/earn-invest-238116/730-personal-finance-a-harm-reduction-approach-w-kara-perez.md
Podcast: [Earn & Invest](https://stenobird.com/podcast/earn-invest-238116)
Published: 2026-05-04T07:05:00+00:00
Episode link: https://www.podtrac.com/pts/redirect.mp3/tracking.swap.fm/track/YfZO4tERxneauNcW9Fgn/mgln.ai/e/211/traffic.megaphone.fm/ARML8208255676.mp3?updated=1777731532
Audio file: https://www.podtrac.com/pts/redirect.mp3/tracking.swap.fm/track/YfZO4tERxneauNcW9Fgn/mgln.ai/e/211/traffic.megaphone.fm/ARML8208255676.mp3?updated=1777731532
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JSON: https://stenobird.com/v1/public/podcasts/earn-invest-238116/episodes/730-personal-finance-a-harm-reduction-approach-w-kara-perez
Duration seconds: 3707

## Resource

In this episode of the Earn and Invest podcast, host Doc G sits down with Kara Perez, a financial educator, founder of Cara Explores Money, and author of Money for Change. Perez, who successfully paid off $25,000 in student loan debt on a modest salary, joins the show to explore the intersection between the Financial Independence (FI) movement and environmentalism. She argues that true sustainability isn't about buying expensive eco-friendly products; instead, it looks a lot like what lower-income individuals already do out of necessity, such as upcycling, repairing items, and using what you already have rather than buying new. Learn more about your ad choices. Visit megaphone.fm/adchoices

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## Transcript

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