I had a lovely conversation last week with an actor about the importance of access.

It’s an issue that you can chip away at from a hundred different starting points, and it’s an essential discussion point in the world of finance.

In my own little corner of the world, the fight I’ve chosen is on the low income front.

I want to help people who don’t earn a ton of income, to get access to one-on-one financial planning.

Here’s how I worked on that goal in October.


The work:

Last month R2R subsidized 7 hours of financial planning and coaching work to people for free.

5 hours of that came as an ongoing project with a Pay-What-You-Can client. We’re working on building a system to manage variable income and pay off debt.

The other 2 hours were a part of the OFFICE HOURS project. I only held one day of office hours this month, it was hard to schedule while on THEATRE TIME.

I’m also happy to announce that I’ll be starting work with a new PWYC client in the next few months!


The money:

This work is funded from two sources:

I donate 10% of all earnings from the site to this work
18 generous patrons through PATREON

In October R2R provided $560 worth of services.


Does financial advice mean as much to people who don’t earn a ton?

This side of my business is one grand experiment. I don’t know if it’s a model that will work long term, but I really love the work.

I think a lot about why this segment of the population has been ignored by financial businesses in the past. Sure, part of it is the fact that they can’t pay for the ‘luxury’ of one-on-one service, but another part is the theory that financial advice is less effective for people with lower capacity.

Does financial advice mean as much to people who don’t earn a ton?

I don’t know.

I think that different kinds of services have a different value for high earners vs the kind of people I’m working with.

What I’ve experienced is that simply having a consistent ally over a period of weeks and months seems to be extremely valuable.

Someone to talk to, or bounce ideas off of, or someone to help them shake off the stigmas of financial success and earning power.

It definitely matters, but it requires a rethinking of how and what financial services are delivered.

There is so much for me to learn.


A whole lot of gratitude

It is a privilege for me to be able to do this work.

I believe one long term sustainable help, and so I knew that simply donating large amounts of my time would be hard to keep going over months and years.

My time is paid for by those who can afford to pay: clients and PATRONS.

I’m really grateful that you trust me with your dollars, and I’ll keep doing my best to make you proud.

Emily Nixon

Emily Nixon

Rags to Reasonable Community Outreach Coordinator

Emily Nixon is an actor/writer/director/filmmaking Swiss Army Knife. She is also a big money nerd and Community Outreach Coordinator for Rags to Reasonable.

She came to this work after becoming completely fed up with living paycheque-to-paycheque and being too afraid to look in her chequing account. She is passionate about empowering other artists and variable income earners to keep doing what they love and feel confident about their finances.

Email Emily at emily@ragstoreasonable.com

Want to start getting control of your money? How can I help?