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Money Memories

Podcast by Bear and the Bull

English

Business

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About Money Memories

Money Memories is a podcast that’s on a mission to make money conversations less taboo — one memory at a time. Each week we interview a new guest, and discuss how their earliest money memory affected their professional trajectories and molded their relationship to personal finance.

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117 episodes

episode The Two Founders Building a Company They Almost Didn't Start artwork

The Two Founders Building a Company They Almost Didn't Start

Before David Black and Heather Townsend became co-founders, they were people who almost did something — and didn't. Dave passed on buying a DC bar for $150,000 because he didn't know where to get financing. Heather built an earmuff company, had 500 pairs manufactured in China, and watched them arrive at her apartment. Years later, they met at UVA's Darden School of Business, reconnected during the pandemic, and built Cabana (yourcabana.com), a mental health platform designed to close the 11-year gap between when people start struggling and when they finally ask for help. In this episode, they talk about the scar tissue that prepared them for real entrepreneurship and the personal loss that made Dave obsessed with that statistic.

8 Apr 2026 - 14 min
episode What My Mom Knew About Business That MBAs Don't artwork

What My Mom Knew About Business That MBAs Don't

Ray grew up watching his single mother sell homemade dishes poolside during World Cup games in their Silver Lake apartment complex, and never forgot that resourcefulness. After a winding career path from photography to marketing to commercial lending in San Francisco, he returned to LA and found himself more energized by underserved entrepreneurs than by traditional banking. Now a small business coach at Operation Hope, he helps community members in Spanish-speaking and overlooked neighborhoods separate their finances, write business plans, pitch investors, and build toward generational wealth. His message is simple: the answers are already inside you, and all it takes is one person willing to show up and say, "call me anytime."

13 Mar 2026 - 19 min
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