Most personal finance advice starts with the same basic premise: you’re doing money wrong. But Carrie Joy Grimes, founder of WorkMoney and author of The Joy of Money, says that misses half the story. Yes, people need real tools to budget, save, pay down debt, and plan for the future. But no amount of discipline can fix an economy where wages are too low, costs are too high, and working people have lost power over the rules that shape their lives. This week, Nick and Goldy talk with Grimes about why money is “math and feelings,” how shame keeps people stuck, why so much financial advice is written for people who already have money, and why the best thing we can do is not teach people to be better at being poor — but build an economy where fewer people are poor in the first place.