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The Cost of Being Poor | How America Charges You More for Having Less
Jun 19, 2026
Unknown duration
Why Pride Month Still Matters in 2026 | History, Dignity, and Visibility
Jun 17, 2026
Unknown duration
Work Full Time, Stay Broke
Jun 5, 2026
56m 13s
The Utility Monopoly Nobody Votes For | Why Your Electric Bill Keeps Rising
May 29, 2026
44m 29s
Democracy Has a Back Room | Why Indiana’s Delegate System Should End
May 23, 2026
10m 53s
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| Date | Episode | Topics | Guests | Brands | Places | Keywords | Sponsor | Length | |
|---|---|---|---|---|---|---|---|---|---|
| 6/19/26 | ![]() The Cost of Being Poor | How America Charges You More for Having Less | Being poor is difficult.But in America, it is often expensive too.In this episode of Hold 'em Accountable, we break down the poverty premium: the hidden surcharge attached to financial instability.The basic idea is simple.People with more money often get better terms, lower interest rates, better financing, stronger rewards, lower fees, and more flexibility.People with less money often pay more.More in interest.More in fees.More in deposits.More in penalties.More for emergencies.More for the same products and services.That is the poverty premium.And once you start seeing it, you see it everywhere.A person with savings can handle a flat tire. A person without savings may need a credit card, payday loan, or delayed repair that creates more problems later.A person with cash can buy in bulk and lower their cost per item. A person living paycheck to paycheck often has to buy smaller quantities and pay more over time.A person with strong credit gets lower interest rates. A person with damaged credit may face higher borrowing costs, larger deposits, fewer options, and more barriers.This episode explores how America quietly charges people extra for having less and why financial instability often becomes a cycle that's harder to escape than most people realize.We discuss:• What the poverty premium is• Why being broke is expensive• Payday loans and high-interest emergency borrowing• Overdraft fees and banking penalties• Rent-to-own contracts and hidden costs• Credit scores and higher borrowing costs• Housing barriers and larger deposits• Food deserts and limited grocery access• Transportation costs and unreliable vehicles• Why poverty is about access, not just income• The difference between personal responsibility and systemic barriers• Why hard work matters, but margin matters too• How financial vulnerability becomes profitable• What reforms could help people recover instead of trapping themThis conversation is not about eliminating personal responsibility.Choices matter.Work ethic matters.Discipline matters.But systems matter too.And if someone gets knocked down financially, the system should not respond by attaching more weights to their ankles.The goal is not to make poverty comfortable.The goal is not to guarantee outcomes.The goal is not to remove responsibility.The goal is simple:Stop making poverty more expensive.Because if hard work is supposed to help people get ahead, America should stop charging people extra for trying to climb the ladder.Watch now and join the conversation.Do you think America gives struggling people a fair shot to recover, or does the system make recovery harder than failure?Hosted by Derrick Holder, retired Marine, Managing Editor of Progressive Indiana Network, and host of Hold 'em Accountable.No spin.No talking points.Just receipts.You can also ask Alexa to play Hold 'em Accountable with Derrick Holder.#PovertyPremium #CostOfLiving #EconomicInequality #WorkingClass #HoldEmAccountable 0qp1RkqPbWCeZwiiuswT | — | ||||||
| 6/17/26 | ![]() Why Pride Month Still Matters in 2026 | History, Dignity, and Visibility | Every June, America has the same conversation.Why do we still have Pride Month?Haven't we already achieved equality?Why is it still necessary?In this special mini-sode of Hold 'em Accountable, Derrick Holder steps away from politics, utility monopolies, healthcare systems, and economic policy to explore a different question:Why does Pride Month still matter in 2026?The answer isn't about politics.It's about history.For many younger Americans, it's easy to assume the rights and freedoms enjoyed today have always existed. But there are millions of people still living who remember when being openly LGBTQIA+ could cost someone a job, housing, family relationships, social standing, or personal safety.That history isn't ancient.It's living memory.This episode examines the origins of Pride, the meaning behind the word itself, and why remembering the struggles that came before us matters regardless of where you fall on the political spectrum.Pride was never simply about celebration.For many people, it was about rejecting shame.It was about the belief that no one should have to apologize for existing.In this mini-sode, we discuss:• Why Pride Month began• The history many Americans never learned• The difference between pride and arrogance• Why dignity and visibility matter• The importance of remembering civil rights struggles• How democracy requires recognizing each other's humanity• Why disagreement and respect can coexist• The role of LGBTQIA+ Americans in modern society• Why history matters regardless of political affiliation• A personal reflection from Derrick on being intersexThis episode isn't a loyalty test.You don't have to agree with every activist, organization, or political position to recognize a simple truth:Every American deserves to live free from discrimination, violence, harassment, and fear.That shouldn't be controversial.That should be the floor.At its core, this conversation is about something bigger than politics.It's about dignity.It's about remembering that the people affected by these debates are often our neighbors, coworkers, friends, family members, veterans, teachers, healthcare workers, and fellow citizens.And it's about understanding that progress rarely happens because society magically changes. Progress happens because ordinary people decide that exclusion and fear are not acceptable ways to treat one another.Whether you're celebrating Pride Month, questioning it, or simply trying to understand it better, this episode offers a thoughtful conversation about history, visibility, citizenship, and the importance of recognizing each other's humanity.Watch now and join the conversation.What do you think Pride Month represents in 2026?Hosted by Derrick Holder, retired Marine, Managing Editor of Progressive Indiana Network, and host of Hold 'em Accountable.No spin.No talking points.Just receipts.You can also ask Alexa to play Hold 'em Accountable with Derrick Holder.#PrideMonth #LGBTQIA #Equality #CivilRights #HoldEmAccountable | — | ||||||
| 6/5/26 | ![]() Work Full Time, Stay Broke✨ | economic securitywork-life balance+5 | — | — | America | economic riskjob security+8 | — | 56m 13s | |
| 5/29/26 | ![]() The Utility Monopoly Nobody Votes For | Why Your Electric Bill Keeps Rising✨ | utility monopolieselectricity rates+3 | — | — | AmericaHoosiers | utility monopolieselectric bill+3 | — | 44m 29s | |
| 5/23/26 | ![]() Democracy Has a Back Room | Why Indiana’s Delegate System Should End✨ | Indiana politicsdelegate system+4 | — | Democratic State ConventionDemocracy Has a Back Room | Indiana | Indianadelegate system+5 | — | 10m 53s | |
| 5/15/26 | ![]() Indiana Primary Recap: Who Won, Who Lost, and Why November Just Got Dangerous✨ | Indiana primary recapRepublican elections+4 | — | — | Indiana | Indiana primaryDonald Trump+4 | — | 34m 33s | |
| 5/13/26 | ![]() Advocate Interview: Eva Posner✨ | political consultingcampaign strategies+4 | Eva Posner | Evinco Strategies | — | politicscampaigns+5 | — | 45m 23s | |
| 5/4/26 | ![]() Candidate Interview: Timothy Murphy✨ | jobshealthcare+5 | Timothy Murphy | — | IndianaIndiana State Senate District 19+5 | Indiana SenateTimothy Murphy+5 | — | 34m 27s | |
| 5/1/26 | ![]() Candidate Interview: John Colburn✨ | government sizeaffordability+5 | John Colburn | — | IndianaIndiana’s 70th District+4 | Indiana State Housegovernment reform+5 | — | 21m 04s | |
| 4/30/26 | ![]() Candidate Interview: Sarah Blessing✨ | Rural healthcare accessPublic school funding+4 | Sarah Blessing | Project NEXT | IndianaIndiana’s 70th District+5 | IndianaSarah Blessing+6 | — | 40m 32s | |
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| 4/29/26 | ![]() Candidate Interview: Candy Greer✨ | politicshealthcare+4 | Candy Greer | — | IndianaIndiana’s 64th District+3 | IndianaCandy Greer+6 | — | 27m 03s | |
| 4/27/26 | ![]() Candidate Interview: Ryan Price✨ | working-class issueshousing crisis+5 | Ryan Price | public schoolscorporations+1 | southern IndianaScottsburg+2 | Ryan Pricesouthern Indiana+7 | — | 25m 29s | |
| 4/24/26 | ![]() Candidate Interview: Austin Meives✨ | rural economic developmenthealthcare access+4 | Austin Meives | Democratic | IndianaLogansport+3 | IndianaAustin Meives+7 | — | 15m 49s | |
| 4/22/26 | ![]() Candidate Interview: Sharon Wight✨ | infrastructureeducation+5 | Sharon Wight | — | IndianaIndiana’s 81st District+3 | infrastructurepublic education+5 | — | 47m 13s | |
| 4/21/26 | ![]() Candidate Interview: Tabitha Zeigler✨ | Rural healthcare accessEconomic pressure on working families+4 | Tabitha Zeigler | — | IndianaEvansville+3 | IndianaCongressional District+6 | — | 1h 05m 23s | |
| 4/20/26 | ![]() Candidate Interview: Paul McPherson✨ | Indiana politicsCongressional candidates+5 | Paul McPherson | — | IndianaIndiana’s 4th Congressional District+7 | Paul McPhersonIndiana 4th District+7 | — | 25m 35s | |
| 4/19/26 | ![]() Candidate Interview: Jayden McCash✨ | politicselections+5 | Jayden McCash | PurdueMedicare+1 | IndianaIndiana’s 4th Congressional District | Indiana4th Congressional District+8 | — | 16m 39s | |
| 4/18/26 | ![]() Candidate Interview: Joe Mackey | What happens when Washington policies hit real life in Indiana’s 4th Congressional District?In this episode of Hold ’em Accountable, I sit down with Joe Mackey to break down the reality facing Hoosiers across one of the most diverse districts in the state—from Lafayette and Purdue University to rural farm communities, small towns, and growing suburbs.This isn’t theory. This is what people are dealing with right now:Rising healthcare costs that are crushing familiesRural communities losing access to doctors, broadband, and opportunityFarmers struggling with consolidation, global competition, and collapsing marketsHousing affordability pushing young families outEducation gaps between urban and rural schoolsJoe Mackey brings a blue-collar, manufacturing background and years of grassroots involvement across Indiana’s 4th District. In this conversation, he lays out why he believes both parties have missed the mark—and why representation should focus on real outcomes, not political loyalty.We dig into:✔️ Healthcare reform and the reality of access in rural Indiana✔️ The housing crisis and solutions like workforce and starter homes✔️ Why agriculture policy needs a complete reset✔️ Education inequality and broadband gaps in rural schools✔️ The fight for small businesses vs corporate consolidation✔️ Infrastructure, water management, and long-term planningThis district includes communities like Lafayette, Frankfort, Delphi, Greencastle, Avon, Plainfield, Zionsville, and Martinsville—and each one faces different challenges. The question is: can one voice represent them all?That’s what this conversation is about.👉 If you care about Indiana politics, working-class issues, rural America, or the future of Congressional leadership—this is one you don’t want to miss.🎙️ About the Show:Hold ’em Accountable is about cutting through political noise and focusing on what actually impacts people—policy, accountability, and real conversations with the people asking for your vote.#IndianaPolitics #RuralAmerica #JoeMackey #HealthcareCrisis #HoldEmAccountable | — | ||||||
| 4/17/26 | ![]() Candidate Interview: Tiffanie Arthur | What happens when communities start slipping through the cracks?In this clip from Hold ’em Accountable, Tiffanie Arthur, Democratic candidate for Indiana State House District 63, speaks directly to what she’s seeing across southern Indiana—and why she decided to run.She’s watched public schools lose funding.She’s seen rural hospitals face uncertainty.And she’s watched young families struggle to afford housing—or leave altogether in search of better opportunities.For Arthur, this isn’t theoretical. It’s happening in real time across communities like Loogootee, Washington, Jasper, and the Crane region.Her message is simple:Leadership isn’t about waiting.It’s about stepping up.In this conversation, Tiffanie Arthur highlights the urgent issues facing rural Indiana:🔹 Declining funding for public schools🔹 Healthcare access and rural hospital stability🔹 Housing affordability challenges for young families🔹 Population loss in small-town communities🔹 The need for leadership that reflects real lived experienceThis is about more than policy.It’s about whether southern Indiana gets a voice that understands what families are going through—and is willing to fight for solutions.👇 Watch the full clip and decide for yourself.📢 Subscribe for more Indiana political interviews and accountability content:👉 @Holdemaccountable-g4c🎧 Available on Spotify & Apple Podcasts#IndianaPolitics #TiffanieArthur #RuralIndiana #HousingCrisis #HoldEmAccountable | — | ||||||
| 4/8/26 | ![]() Candidate Interview: Todd Shelton | In this episode of Hold ’em Accountable, I sit down with Todd Shelton, Democratic candidate for Indiana State House District 25, to talk about what it actually feels like when factories close, wages stall, and communities are left behind—and what real leadership should look like in response.Todd isn’t speaking from theory.He worked at General Motors. He lived through a plant shutdown. He saw jobs shipped overseas and stepped up as a union committeeman to fight for working families who didn’t have a voice. That experience shaped everything that came next—military service, higher education through the GI Bill, teaching, and building a small business right here in Indiana.This conversation dives into the real issues facing District 25 (Anderson, Alexandria, Pendleton, Atlanta) and communities across Indiana:🔹 Job loss and economic recovery in working-class communities🔹 Workforce training and bringing back good-paying jobs🔹 Healthcare access and long wait times for Hoosiers🔹 Public school funding and teacher support🔹 Small business growth vs corporate advantage🔹 What accountability in government should actually look likeThis isn’t about party talking points.It’s about whether Indiana is going to keep sending the same voices to the Statehouse—or start sending people who’ve actually lived the consequences of those decisions.Todd Shelton is making the case that representation should come from experience, not distance.Now the question is: will voters agree?👇 Watch the full interview and decide for yourself.📢 Subscribe for more Indiana political interviews, debates, and accountability content:👉 @Holdemaccountable-g4c🎧 Also available on Spotify & Apple Podcasts#IndianaPolitics #ToddShelton #HoldEmAccountable #WorkingClassPolitics #IndianaElections | — | ||||||
| 4/6/26 | ![]() Candidate Interview: Devon Wellington | Indiana’s 29th District is changing—fast.From Noblesville’s rapid growth to rising property taxes, school funding battles, and housing affordability concerns, families across Hamilton County are asking the same question:Is growth helping us… or leaving us behind?In this episode of Hold ’em Accountable, retired Marine and host Derrick Holder sits down with Devon Wellington, Democratic candidate for Indiana State House District 29, to break down what’s really happening on the ground—and what leadership should look like moving forward.This isn’t surface-level politics. This is about real policy, real consequences, and real people.🔍 What We Cover in This Interview:▪️ Noblesville growth & developmentHow do you balance economic growth while preserving community identity and affordability?▪️ Property taxes & affordability crisisWhy broad tax cuts may miss the people who need relief the most—and what targeted solutions look like.▪️ Public education funding in IndianaThe fight over vouchers, public school stability, and what’s happening behind the scenes in state policy.▪️ Mental health & workforce shortagesWhy access isn’t just about funding—but about building a system that actually works.▪️ Small business vs corporate advantageHow national chains and policy decisions are reshaping local economies.▪️ Housing affordability & outside investorsWhy Hamilton County is seeing a surge in out-of-state ownership—and what it means for families.▪️ How policy actually gets madeNot the headlines—the real process behind legislation and where influence happens.🇺🇸 Why This MattersDistrict 29 isn’t just another race.It’s a snapshot of what’s happening across Indiana and the country:Rapid suburban growthRising costs of livingStrain on schools and infrastructureAnd growing frustration with leadership that feels disconnectedThis conversation goes beyond party lines and gets to the core issue:👉 Who is government actually working for?🎙️ About Hold ’em AccountableThis show is built on one idea:Give the people direct access to the people asking for their vote.No spin. No shortcuts. Just real conversations about policy, priorities, and accountability.👉 If you care about Indiana politics, local elections, public schools, or the future of your community—this is a conversation you need to hear.👍 Like, Subscribe, and Share to keep these conversations going.So stay informed, ask questions, and as always—hold ’em accountable.#IndianaPolitics #Noblesville #PublicEducation #PropertyTaxes #LocalGovernment | — | ||||||
| 4/3/26 | ![]() Candidate Interview: Jack Chance | What happens when someone who’s actually lived the struggle steps into politics?In this episode of Hold ’em Accountable, I sit down with Jack Chance, Democratic candidate for Indiana House District 30, covering Kokomo, Greentown, Swayze, and surrounding communities.This isn’t a polished political pitch. This is a real conversation about what working-class Hoosiers are dealing with right now—and why so many feel like the system isn’t built for them anymore.Jack Chance isn’t a career politician. He’s worked fast food, loaded docks, welded metal, managed housing, and spent years helping families on the edge of losing everything. Now, he’s stepping up to run for office with a focus on housing affordability, labor rights, healthcare access, and economic dignity.We break down the issues that matter most in Indiana’s 30th District:🔹 Rising housing costs and why the “free market” isn’t so free🔹 Union jobs, right-to-work laws, and the future of manufacturing in Kokomo🔹 The EV transition and protecting Hoosier workers🔹 Rural neglect—why small towns like Greentown and Swayze keep getting left behind🔹 Public education funding and the fight over school vouchers🔹 Healthcare access, addiction, and the real cost of economic despair🔹 Utility costs, corporate profits, and who’s really paying the priceWe also put Jack through the Hold ’em or Fold ’em round—rapid-fire questions that cut through the talking points and get straight to where he stands.This conversation is about more than one candidate.It’s about whether working-class voices still have a path to representation in Indiana—and what happens when someone decides to stop managing the damage and start challenging the system itself.📍 If you live in Kokomo, Howard County, Grant County, or anywhere in Indiana, this is your conversation too.👇 Drop your thoughts in the comments.Do you think the system is working for working families—or against them?🎙️ Subscribe for more real conversations with candidates across Indiana#IndianaPolitics #WorkingClass #UnionJobs #AffordableHousing #HoldEmAccountable | — | ||||||
| 4/1/26 | ![]() Candidate Interview: Kristina Moorhead | Indiana’s 29th State Senate District is at a crossroads.From Zionsville and West Clay to Claremont and the communities surrounding Indianapolis, this district is growing rapidly. New housing, rising property values, expanding schools… but also increasing pressure on infrastructure, affordability, and quality of life.So the real question is: who’s shaping that future?In this episode of Hold ’em Accountable, I sit down with Kristina Moorhead, Democratic candidate for Indiana State Senate District 29, to break down what voters are actually facing and what real representation should look like in a fast-changing suburban district.We dig into:🚧 Infrastructure challenges and road funding across Central Indiana🎓 Public school funding vs vouchers and charter expansion💰 Property tax reform and affordability concerns🏥 Healthcare costs, Medicaid, and the Healthy Indiana Plan🏘️ Housing shortages in high-growth suburbs like Carmel and Zionsville🏛️ Local control vs state government interference🤝 How to pass real legislation in a divided State SenateKristina brings over 20 years of policy experience, especially in healthcare, and offers a detailed look at how state-level decisions impact real Hoosier families.And as always, we close it out with Hold ’em or Fold ’em — where the talking points stop and the real positions come out.Why This MattersIndiana politics isn’t just about party lines — it’s about whether families can afford to live, work, and raise their kids in the communities they call home.District 29 represents a growing piece of that story, where suburban expansion meets real economic pressure.This conversation is about accountability, transparency, and making sure voters hear directly from the people asking for their trust.📍 District Covered:Zionsville, West Clay, Carmel, Claremont, and surrounding Indianapolis-area communities🎙️ Show: Hold ’em Accountable with Derrick Holder👉 If you care about Indiana politics, state policy, or the future of growing communities… this is a conversation you don’t want to miss.So stay informed, ask questions, and as always—hold ’em accountable.#IndianaPolitics #StateSenate #KristinaMoorhead #HealthcarePolicy #HoldEmAccountable | — | ||||||
| 3/30/26 | ![]() Candidate Interview: Rev. David Greene, Sr. | If you live in Indiana State Senate District 29, you’re already feeling it.The traffic. The construction. The rapid development. The rising property taxes. The pressure on schools and infrastructure. But the bigger question is this:👉 Who is this growth actually working for… and who’s stuck paying for it?In this episode of Hold ’em Accountable, I sit down with Rev. David Greene, Sr. to break down the real issues impacting communities across West Clay, Zionsville, Traders Point, Eagle Creek, Clermont, and Chapel Hill.This isn’t political spin. This is about what’s happening on your street, in your schools, and in your wallet.We dive into the biggest challenges facing District 29 and Indiana voters heading into the 2026 election:🔹 Property taxes and rising home insurance costs🔹 Smart growth vs unchecked development🔹 Public school funding and teacher shortages🔹 Traffic congestion and infrastructure planning🔹 Protecting Eagle Creek and water quality🔹 Mental health access and healthcare affordability🔹 Government accountability and transparencyDistrict 29 sits at the crossroads of suburban expansion and long-established neighborhoods. And right now, families are asking real questions:Are developers being held accountable?Are taxpayers footing the bill for poor planning?Are decisions being made with the community… or for it?Rev. David Greene, Sr. brings a perspective shaped by decades of community leadership, public service, and coalition building. His focus is on affordability, accountability, and protecting quality of life for the people who already live here.Because this isn’t just about growth.It’s about whether that growth benefits Hoosiers… or burdens them.📌 If you care about Indiana politics, local elections, property taxes, education, or the future of your community, this is a conversation you need to hear.👉 Subscribe for more candidate interviews, policy breakdowns, and real conversations that hold leaders accountable.#IndianaPolitics #PropertyTaxes #LocalGovernment #Election2026 #HoldEmAccountable | — | ||||||
| 3/27/26 | ![]() Candidate Interview: Kirsten Root | What’s really happening in Indiana Senate District 21?In this episode of Hold ’em Accountable, I sit down with Kirsten Root to break down the real issues impacting Hoosiers right now, from mental health and public safety to education funding, housing costs, and government accountability.This isn’t political theater. This is about what’s actually hitting your kitchen table.District 21 spans fast-growing suburbs like Westfield and established communities like Kokomo and Tipton. And across all of them, one thing is clear: families are being squeezed. Rising costs, limited healthcare access, underfunded schools, and policy decisions that feel disconnected from everyday life.One of the most urgent issues we discuss is the mental health crisis. Law enforcement across the district is saying the same thing: jails have become the largest mental health providers in their communities. That’s not sustainable, and it’s not what public safety is supposed to look like.We also dive into:Public school funding vs voucher expansionHousing affordability and property tax pressureRural vs suburban investment gapsBroadband access and telehealth expansionGovernment transparency and lobbyist influenceKirsten Root brings a perspective shaped by real-world experience as a social worker and public servant, focusing on practical solutions instead of political talking points.If you care about Indiana politics, working families, or the future of your community, this is a conversation you need to hear.👉 Subscribe for more candidate interviews, policy breakdowns, and real conversations that hold leaders accountable.#IndianaPolitics #MentalHealthCrisis #KirstenRoot #HealthcareAccess #HoldEmAccountable | — | ||||||
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