Day 11 of 12 Days of Holiday episodes: Did you know that over 5.5 million people in the U.S. are living on a tipped income? You know, servers, bartenders, ushers, nail salon workers, valets, and even strippers who all rely on tips to survive financially. But did you also know that tipped workers happen to be some of the most economically disadvantaged? If you’re a tipped worker, our guest, Barbara Sloan, author of the new book Tipped: The Life-Changing Guide to Financial Freedom for Waitresses, Bartenders, Strippers, and All Other Service Industry Professionals, believes that hope isn’t lost; you’ve just got to understand the hurdles to build wealth so you can overcome them. LINKS Tipped book Tipped Finance website SPONSORS Thanks to Monarch for sponsoring the show. ​​After trying out Monarch for myself, I understand why it’s the top-rated personal finance app. Listeners of this show will get an extended thirty-day free trial when you go to www.monarchmoney.com/ETM.  Thanks to Uncommon Goods for sponsoring the show. Get 15% off your next gift by going to www.uncommongoods.com/ETM.  Thanks to EarnIn for sponsoring the show. Just download the EarnIn app in Google Play of the Apple App store and use code Talkin Money under Podcast. Thanks to Noom for sponsoring the show. Start taking control of your weight management and join the millions who have lost weight with Noom. Sign up for your TRIAL today at www.noom.com.   Thanks to ButcherBox for sponsoring the show. Sign up today at www.butcherbox.com/etm and use code ETM to get $20 off your first order. How To Connect with Shannah: Download 10 Money Questions to Ask Yourself Free Money Guide https://etmpod.link/10moneyq  Ask Shannah a question on Instagram https://www.instagram.com/shannahgame/  Submit a money question for Shannah to answer in an upcoming episode https://tinyurl.com/askshannahq  Leave a 5-star Review here https://ratethispodcast.com/etm  Learn more about your ad choices. Visit megaphone.fm/adchoices