Podcast Summary: We Talk Back – "DoorDash Gotcho Cash"

Hosts: TamBam & AJ Holiday
Episode Date: January 15, 2026
Podcast Network: The Black Effect and iHeartPodcasts

Overview

In this lively episode titled “DoorDash Gotcho Cash,” TamBam and AJ Holiday keep it real about the hidden costs of convenience and the surprising ways being broke can end up being more expensive than living well. Intertwined with their candid humor and personal stories, the hosts dive deep into financial pitfalls—from late fees to emotional spending—while also touching on pop culture, relationships, and listener confessions. The episode is an unfiltered and empowering resource for women navigating money, men, and the urge to splurge.

Key Discussion Points & Insights

1. Health Resets and Personal Routines

• AJ shares she’s on a 72-hour water fast to reset her energy and "get empty" ([01:28]).
• TamBam is off carbs and sugar since January 2nd. She recounts trying (and failing) at the carnivore diet:
  “My burp smell like straight meat. Yeah, no, it was ill.” — TamBam ([02:53])
• Both reflect on the mixed emotions and small wins related to dieting and body image.

2. Weekend Catch-ups & Shopping Habits

• TamBam discusses the lull in her hair business at the start of the year.
• AJ admits to battling an online shopping habit and trying to stay out of stores, while TamBam brags about holding off on in-person shopping ([04:45]).

3. Award Shows & Black Excellence

• Teyana Taylor’s Golden Globe win sparks a conversation on Black representation in Hollywood and the perceived value of mainstream awards.
  “They started actually questioning whether or not, like, the awards...even matter. Because Sinners…was running up online… but they don't want to give them their credit.” — AJ ([08:08])
• The hosts speculate on celebrity relationships, questioning PR pairings and the nature of Hollywood fame ([09:11]-[10:57]).

4. Celebrity Gossip & Social Media Drama

• Selena Powell & Offset: The hosts discuss Powell exposing Offset for alleged financial struggles and share disbelief at repeated public scandals ([11:17]).
• Both analyze the industry's fascination with certain women and the groupie-culture ego cycle among male celebrities.
• AJ dives into the psychology of why celebrities confide in notorious “tell-all” women:
  “At this point, I want to know what the pussy’s like…What type of experience is she selling?” — AJ ([14:34])

5. Christian Rock’s Career Shift

• The hosts celebrate Christian Rock signing a professional boxing deal and cheer on her leaving drama behind:
  “I think seeing her as a boxer instead of fighting on baddies, like, is much better.” — TamBam ([16:01])

6. Relationships, Confidence, and Image

• Hot takes on Cam Newton, The Game, and being starstruck by athletes ([17:18]-[18:41]).
• Conversation moves quickly from male bravado to the realities of dating and financial disparities.

7. Main Theme: Why Being Broke is Expensive

[19:00 onward — Core Segment]

Hidden Costs of Financial Strain

• Discuss overdraft fees, late fees, and “convenience” transaction charges: “Being broke doesn't mean you spend less. It means everything costs more.” — TamBam ([19:22])
• Fees for paying bills:
  “You have to pay to pay for…” — TamBam ([19:43])

The True Price of Convenience

• DoorDash, Instacart, and delivery app fees: “If you order Chick-fil-A meal for $12, you're paying $22 or $24 with the tip, you know, $25 just for a $12 meal.” — TamBam ([22:10])
• AJ explains how Instacart marks up item prices and why gig-work conveniences are a “poor tax” ([22:33]-[23:04]).

Service Stories: The Downside of Gig Economy

• TamBam tells a story about an Instacart worker leaving groceries downstairs and making a snide remark, exposing the friction between customers and gig workers ([23:09]).

The Credit Trap

• How bad credit hurts across the board: higher car insurance, higher APR on loans, and rent late fees. AJ gives a satirical how-to on cleaning your credit file:
  “File a police report and report all that as fraud.” — AJ ([26:51])

The Cycle of Low-Quality Purchases

• Buying cheap often means buying repeatedly:
  “People with money pay once. People without money pay forever.” — TamBam ([29:03])

Emotional Spending & Self-Sabotage

• TamBam relates to “I deserve this” spending (e.g., $600 Tom Ford sunglasses), connecting self-care to unnecessary luxury purchases ([30:24]).
• Both hosts share emotional spending and eating stories ([31:13]-[32:18]).

Early Money Lessons

• TamBam’s story of making bank in Europe as a hairstylist and blowing it on temporary joys and “funding friendships.”
• AJ gives real talk to a nephew squandering money before college ([36:03]-[34:29]).

Car Ownership vs. Ridesharing

• Debate whether Ubering is cheaper than car ownership. Verdict: Not in rural/suburban areas—Uber plus convenience costs add up quickly ([40:13]).
• AJ discusses possibly investing in cash cars for Turo/rentals as a side hustle.

Living Above Means

• Discussion about depending on partners for bills, the danger of not saving when someone else is paying, and the importance of putting aside your own money ([44:32]).

Dating and Money

• The expense of dating multiple women versus finding one who actually likes you ([45:44]-[46:38]).
• A debate over whether it’s fair to expect luxury gifts in budding relationships:
  “Don’t ask me to buy something that you ain’t already getting for yourself.” — TamBam retelling a friend ([47:26])

Money Conversations in Relationships

• The necessity of being open about debt and money with serious partners:
  “If you’re trying to build a future with somebody y’ all got to talk about money at some point.” — AJ ([49:08])
• Women’s student loan debt and balancing expectations ([49:08]-[50:01]).

Notable Quotes & Memorable Moments

• On Doordash Spending:
  AJ: “Would you be able to log into your bank account and tell our listeners how much you spent in the last 12 months on DoorDash?”
  TamBam: “I do not want to do that. I do not want that statistic.” ([21:20])

• On Self-Love Purchases:
  TamBam: “I just deserve these Tom Ford shades…I believe it, so fuck it.” ([30:41])

• On the Broke-Man Experience:
  TamBam: “Man, a broke man is a dangerous man.” ([54:27])

Listener Segment: Dumb Bitch Story

Begins [50:48] — Hilarious and Relatable

A listener writes in about dating a man who lives off her, steals her groceries (“meat is crazy”), and even manages to block her first after burning her for nearly $700.

• “The final straw was when he asked me to send him $100 for something important and then posted himself at brunch the next day… He blocked me first.” — Listener ([52:56])
• The hosts mercilessly (but lovingly) roast the story, sharing lessons and similar personal experiences: “Taking meat out your house, feeding somebody else…imagine, yo, you put pork chops in the freezer, and you come home and your tray of pork chops is gone.” — TamBam ([54:02])

Important Timestamps

• [01:28] – Health routines: fasting & carb-free living
• [05:12] – Slow January for service businesses
• [08:08] – Award shows & Black artists’ recognition
• [14:34] – Selena Powell + Offset discussion
• [16:01] – Christian Rock’s career pivot
• [19:22] – Introduction of main financial theme
• [22:10] – DoorDash & Instacart “convenience tax”
• [26:51] – The credit game: satirical advice
• [29:03] – “People with money pay once...” discussion
• [30:41] – Emotional spending confessions
• [34:29] – Money lessons for the next generation
• [36:03] – TamBam’s story of early financial abundance and waste
• [40:13] – Car vs. Rideshare debate
• [45:44] – Dating, gifts, and financial expectations
• [50:48] – “Dumb Bitch Story” segment: being scammed by a broke boyfriend
• [54:02] – The comedy and pain of realizing you’ve been supporting a user

Tone & Style

• Bold, raw, and unfiltered but always supportive—keeping a comedic, down-to-earth vibe.
• Both hosts balance laughter with real advice, and their personal stories make abstract financial topics relatable.

Takeaways

• Being broke is expensive: Fees, bad credit, and convenience services all add up, creating a cycle that’s hard to escape.
• Financial literacy is key: Even a little knowledge can dramatically improve life choices.
• Emotional (and relational) spending traps: Know yourself and protect your energy and your wallet.
• Community matters: The hosts invite laughter at their own expense and their listeners’, creating a judgment-free zone to learn and grow.

Final Words

Whether it’s getting caught up in DoorDash spending, emotional retail therapy, or dating someone who raids your freezer, TamBam and AJ remind listeners:
“Being broke doesn’t mean you spend less—it means everything costs more.”
Their advice: Talk about money, hold your wallet—and circulate, don’t spend, your cash.

(Tune in every Thursday for more real talk, laughs, and listener stories on The Black Effect / iHeartRadio.)