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I Survived Capitalism and All I Got Was This Lousy T-Shirt: Everything I Wish I Never Had to Learn About Money

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A big-hearted, no-bullshit memoir from the TikTok superstar about her journey from living paycheck to paycheck to creating a multi-million-dollar business that offers a compassionate alternative to capitalism • Plus no-nonsense life and money advice, from negotiating pay and building credit to putting home ownership within reach

Imagine a job where you work four days a week and earn as much as the CEO. You also get full benefits, a gym membership, free lunch, and unlimited time off, no questions asked. Hard-won profits don’t just end up in the CEO’s pocket—they’re distributed equally among all employees. The company even buys you your very own car. It sounds too good to be true, but this is the reality at Tunnel Vision, the clothing company that Madeline Pendleton built from the ground up.

Like so many Americans, Madeline used to struggle to make ends meet. Raised by a punk dad and a goth mom in Fresno, California, she spent her teens intermittently homeless, relying on the kindness and spare couches of the local punk community to get by. By her twenties, she was drowning in student loans and credit card debt, working long hours and sick of her bosses treating her as disposable. Then her boyfriend, struggling with financial stress, died by suicide. Capitalism was literally killing her loved ones—she knew there must be a better way.

Madeline decided to study the rules of capitalism, the game everyone is forced to play. She used what she learned to build a new kind of business, one rooted in an ethos of community care.

Millennials and Gen Zers like Madeline are facing an unprecedented financial Stagnant wages, skyrocketing housing costs, a student debt crisis. I Survived Capitalism is essential reading for anyone searching for hope and stability in an unjust world.

336 pages, Hardcover

First published January 16, 2024

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Madeline Pendleton

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5 stars
481 (72%)
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148 (22%)
3 stars
22 (3%)
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6 (<1%)
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9 (1%)
Displaying 1 - 30 of 169 reviews
Profile Image for Taylor Lucas.
49 reviews3 followers
January 30, 2024
I am so excited to read this book. Madeline and Kenna host my favorite podcast and it is the absolute best. They give me so much hope for a better future and continue to teach about how everything awful in the world is connected to uplifting capitalism and racism. Live, laugh, love. Thx.
Profile Image for olive.
15 reviews17 followers
Want to read
July 21, 2023
just know this is gonna be life changing, can’t wait to read this <3
Profile Image for Jessica Wagstrom.
Author 9 books10 followers
January 20, 2024
I’ve been hoping for a book like this since I first found Madeline on TikTok in 2020. I took advantage of Spotify’s 15 hours of audiobooks for premium members because I knew I could listen to it faster than read it, but I also bought a physical copy to support Madeline.

I love when she talks about her business on TikTok because she describes a place I’ve always wanted to work but never knew could exist. I hope to someday run a business using her model as a guide. Her TikToks are great but short, naturally you can’t tell a full story in a small video. So the book was great for filling in the gaps of how she started the company and how she supported herself financially along the way (and included so many more practical tips on getting by than I was even expecting).

While personally I would love to have a book just about the business, Madeline doesn’t really produce that sort of content. The book, like her TikTok channel, shares stories of her life with actionable advice sprinkled in. I suppose if she were the sort of person to write a 300 page book about how to run a business and nothing else, she probably wouldn’t be the sort of person I’d look to emulate anyway!

I loved the book and am grateful I picked up the physical copy so I can go back to the end of chapter step-by-step guides when needed.
Profile Image for ever.
6 reviews1 follower
January 17, 2024
This book is a great introduction to financial literacy through a leftist lens—how to survive capitalism but maybe also how to find happiness amidst the turmoil of living under our current conditions.

I have followed Madeline on TikTok for years now so I wanted to give their book a shot, and as someone who thinks a lot about books for a living, I would describe this book as a great introductory finance book for the young or financially illiterate anti-capitalist and it is absolutely a book I would recommend. I checked this book out from my local library as an audiobook and really enjoyed it. I love when an audiobook is narrated by the author. I may pick up the physical copy and will update my review if I have anything to add based on that.

Madeline teaches through life experience and this approach makes this book both feel both relatable and reliable. If you come from a lower class background, it’s easy to feel like they get you. I feel like financial literacy has often been taught in a lens that is intimidating and feels like the blame is put on the individual but Madeline tackles this well.

This book is both personal and enlightening and has definitely inspired me to gain more control of my situation.
Profile Image for Laken Marie.
161 reviews
January 25, 2024
5/5. I have followed Madeline on Tik Tok since at least 2020. She operates a democratically run business by paying everyone who works for her company equally, herself included. They have four-day work weeks, completely manageable middle class living wages, unlimited time off, top of the line healthcare, and many other amazing perks. She also talks a lot about her life and personal experiences online and in her book. She explains her life story, and why she could never live her life or run her business in any other way.

Her book is touching, challenges the status quo, and she busts the myths surrounding all of the lies we’re told about capitalism and “necessary” exploitation. She offers a snapshot into what a more just and equitable world could look like, if more people fought for it, understood it was possible, and took steps to be a part of that change. She isn’t dismantling any systems, but she is operating in ethical ways that challenge and recreate them.

Her story is touching, life changing, and inspiring. It brought me to tears more than once. Madeline is smart, scrappy, and a true fighter. Everyone should read this to see what’s really possible for them financially on an individual level, and as a collective community. I would recommend it so highly to anyone open to hearing a potentially new perspective. I’m grateful this book was written and that the story and message are being told.

Quotes:
“We are all just doing our best to get by. Sometimes we’re on the giving end and sometimes we’re on the receiving end. Today is my day to be on the giving end.”

“Everything I learned about survival, I learned from the people around me in Fresno. There was beauty in the way that we had struggled together. And I wasn’t sure I would ever find that kind of community anywhere else again. Making it out hadn’t been enough to change anything in my life. I was just broke in a different place.

“He was right. You don’t get anything you want in life by keeping what you want a secret.”

“At a certain point when you accumulate wealth, it becomes novel for someone to tell you ‘no.’”

“Being told a workplace is ‘like a family’ is usually a red flag, unless you truly believe your boss would go above and beyond to help you in an emergency.”

“There was a magnetic chemistry between Drew and me, and eventually, it became so palpable that it was impossible to ignore. If love is to understand someone and be understood by them, as I’ve always suspected, it’s possible there were no two people more in love in the history of the world than Drew and me.”

“There are some moments in adulthood where everything seems to snap sharply into focus for the first time. It’s like walking into your house after being away on a trip—you smell it the way other people smell it, and it feels both foreign and like home all at once.”

“Fighting wasn’t enough. I needed a plan. Just like I’d done so many times before in my youth, I sat down with a notebook and I wrote down my plan for the future: 1. Pay off my debt 2. Save a down payment for a house 3. Plan for my retirement 4. Help everyone I care about do the same.”

“The house represents something to us. It’s an investment in our financial future, but it’s also our version of enough. It’s not excessive, or glamorous, or a status symbol of any kind. It’s something better than that: it’s stability, it’s comfort, it’s peace.”

“Kenna was an anomaly: a hopeful cynic. She saw the world as it was but never stopped thinking we could do better.” How I’m always trying to be.

“She’d been off the day before. A mental health day, I think…we try not to pry when people miss work. We just want everyone to be well. What’s the point of having a business, I often wondered, if it can’t be the kind of business you’d want to work at?”

“I’ve always kind of thought that money just makes people more of what they already are. Like if you give an asshole a bunch of money…are they going to suddenly become a good person—no way! They’re just going to use all of that money to become an even bigger asshole somehow…
…It turns out if you give money to a broke, scrappy, loud mouth punk kid from Fresno, she wants to use that money to take care of her community in whatever way possible, including getting them into stable housing. It shouldn’t be shocking, but for some reason it is. The business isn’t a get rich quick scheme, it’s not even a get rich slow scheme, it’s still just a way to earn a living for me and for my friends.”

“We all know it’s fair deep down in our kindergarten brains where we all learn the difference between right and wrong and all about how sharing works. But that doesn’t stop it from being shocking. People tell themselves quiet lies to normalize the suffering.”

“At a certain point you have to say nobody gets seconds until everyone has had a plate. You HAVE to know when you have enough.”

“How to build a better world. #1 Start with revolutionary optimism. Believe a better world is possible. It’s the first step to getting there.”
Profile Image for Y.
57 reviews
February 7, 2024
**** 6 stars ****

What can I say, this was so refreshing and raw to read. I’ll be shoving this book down so many people’s throats at any chance I get.

This book did something that a lot of finance books don’t do, discuss emotions and how it is tied to money. Money talk is embarrassing and shameful, if you allow it to be. (80% of Americans are like living paycheck to paycheck, there’s a big chance your friends and coworkers who you think aren’t struggling, are in fact struggling. The average student has $35k of student loans. Please. Please. Let this sink in.)

I’m just in awe of Madeline’s story, I hate calling her a fighter because our systems have failed their own people and force them to sadly fight for what is basic human rights.

I hope the internet does its thing and lets this book be THE finance AND memoir book of the year (please for the love of God, throw Rich Dad Poor Dad out and replace it with this one).
Profile Image for Rachael K.
50 reviews
January 30, 2024
I’ve seen Madeline’s tiktoks pop up once in a while so was interested in hearing more about her story. This was pretty good- I think some of her tips were a little too simplified but there’s some stuff people need to hear. Her life story supports the fact that capitalism is set up to fail the vast majority of people in many ways. I enjoyed the last part the most - I liked hearing about how she is currently running her small business and how they got there. I would’ve like to know even more about those details but in short- everyone on her team including her makes the same amount of money, they support each other’s needs (housing, cars, loans) and resolve time off, sick time, and conflict as needed. Definitely a unique situation and it was cool to see how they make that work.
Profile Image for vicinthemeadow.
372 reviews82 followers
February 10, 2024
Rich dad poor dad can get fucked, this is the only financial memoir you’ll ever need. I loved watching Madeline’s financial related videos on her tiktok, and find comfort in seeing someone else alternative talking money. This book gave so much insight into where she came from, her personal experiences with capitalism/money, with financial tips sprinkled into the end of every chapter! Fun layout, big feelings, only qualm is as a Canadian a decent amount wasn’t exactly transferable as her experience navigates the American system!
January 25, 2024
I love listening to Madeline, the CA accent makes me feel like I'm listening to one of my cousins tell me a story! This book is such an accomplishment: it's funny and hopeful, while being sharp and practical. Figuring out how to navigate an unethical system while retaining her artistic soul, processing grief and creating community along the way, is inspiring! Loved it!
Profile Image for Maddy Corbin.
2 reviews
January 18, 2024
I can't have found my favorite read of the year in January. This was amazing. I listened to the audiobook and you can tell how much love and care and thought was put into the writing of it.
Profile Image for Breanna Wilson.
2 reviews1 follower
February 16, 2024
I really enjoyed this book! It has pretty good money advice especially for people coming from very poor backgrounds. The only thing I didn’t love is the questionable morals on some things. Like switching tags and selling people what they think is name brand items. I also don’t feel like we should steal from big corporations just because they have a lot of money. I feel very passionate about honesty and doing the right thing. Which was done in many situations. But some gave me the ick. There’s at least a lot of great things to think about and good life advice. Also a lot of compassion for people that are really struggling through life.
Profile Image for sarah.
14 reviews
February 3, 2024
absolute MUST READ!! going to bug everyone in my life to read it asap. audiobook voiced by the author too which is always fabulous. i would give absolutely anything to have had this book before i wasted 4.5 years of my life and countless dollars on a useless degree, but better late than never

content aside, i love how the chapters alternate between memoir and advice. it's like "here's why i'm a credible source". madeline you come to me as a long lost beloved auntie
11 reviews
January 30, 2024
I am a huge fan of Madeline's TikTok and had to read her book! She narrates the audiobook, which is fantastic. She offers personal stories and money advice in a compassionate but practical way. The way she runs her business, paying everyone - including herself- the same wage, is revolutionary and refreshing (although it shouldn't be). I am definitely going to buy the hardback to support Madeline, the world needs more people like her <3 RIP to Drew
Profile Image for Cheny Perez.
33 reviews16 followers
January 17, 2024
It was really good. This blue haired bisexual chic seems cool. I really enjoyed this book. It raises a lot of critiques of capitalism while contrasting with Madeline’s life. I really want to listen to the audiobook now!
Profile Image for ashley and the never ending TBR.
195 reviews30 followers
February 14, 2024
First of all, I just want to say rest in peace Drew and anyone who took their own lives due to their finances.

In a memoir that also teaches a bit of financial literacy, Madeline Pendleton lays it all out. From her life growing up poor in Fresno, to trying to better herself by going to college (and accruing student loans) for her field to have little jobs during the recession when she graduated, to loving someone who ended their life due to failing a business to her present day as a small business owner who, while they’re currently in the green, it took a long time to get there and the threat of closing is never far from her mind.

I enjoyed the book but didn’t find any of the financial side anything ground breaking. I believe I am financially savvy (as savvy as I can be giving the financial state of America and my need for small treats to boost my serotonin) so I’m always looking into other ways to become more financially literate. It did help me to realize that A. we are not alone with the fear of our financial future and B. things can pick up when you least expect it.

I could go into an entire debate about the classes in America and the lack of opportunities that some have but nobody wants to hear that.
Profile Image for Meagan Wayne.
6 reviews34 followers
January 18, 2024

Madeline gives me hope not only for myself, but for all of humanity. She is courageous for sharing the difficult personal stories of hardship that she’s endured throughout her life, while also providing a silver lining to everything. Her sense of and faith in community gives me hope.
The book starts off with the heartbreaking story of losing her partner to suicide due to the cruel realities of capitalism that we’re all forced to suffer under. I appreciate her for finding the strength to share this with us.
Many of us shy away or are discouraged from talking about the realities of money, but Madeline does not fall subject to this. Her tenacity for life shines through each chapter followed up by practical and useful survival skills for getting along in this world. Unlike many other finance books, these survival skills actually feel helpful and actionable.
Madeline discusses how she never really felt poor because that’s the way things have always been for herself and others around her. She was never really homeless, she was just in between having places to live. But as the years go on, she realizes how truly egregious the wealth gap is in this country and how it forces people to live in poverty just so some company can have a better bottom line or so thar the CEO can have a second sports car. At this point, this is simply a fact of life we all accept and don’t think twice about; however, she illustrates how this goes on unchecked in every day life and opens our eyes to how repulsive this capitalist society really is. We do not have to accept this reality, she urges. She explains the ways she has not only changed that fact for herself but the community around her.
February 5, 2024
Like a postmodern anti-girlboss girlboss manifesto. I really appreciate Madeline’s opinions and love watching her TikTok, however, I didn’t enjoy this book too much. Maybe this is the fault of the editor or Madeline’s communication style (which is perfect for the TikTok format) not translating well into written literature.

The interconnected narratives often felt like they strayed far away from relevance in every chapter. The autobiography-cum-financial guide-cum-anticapitalist manifesto just did not make for an enjoyable reading experience. I also feel like Madeline would give wayyy too much detail about mundane things then drop a hot take about running a business or capitalism with no follow-up. Like I said, I do agree with her opinions and think she has a solid moral compass, but the tone of this book was weirdly moralizing as well. Like I don’t need to know that Madeline stood six feet apart from her friends during Covid lockdowns or thinks it’s gentrification for a poor white person to buy a house in a predominantly Latino neighborhood (it’s not).

I also wish there was a better connection between the personal anecdotes and the financial advice. The narrative would have flowed better if the financial advice was embedded in each autobiographical portion, not excluded from it. I want to understand exactly how and why being a crust punk makes one so knowledgable about money and “the system.”

But what does my yuppie self know?
Profile Image for Allison.
30 reviews
January 24, 2024
An informative book on finances hidden inside a well written and engaging autobiography! Useful breakdowns of finance tips after each chapter.

The biography is also useful for the financial aspects of the book because it gives crucial context about where the author is coming from - which is incredibly useful this a day and age, where so many obfuscate advantages in achieving financial stability and success.

Madeline Pendleton lays bare her starting point in poverty, struggles with houselessness, predatory debt, and the strength her community played in getting her through the most challenging times.

It is a truly insightful and valuable financial book for anyone in any class—a great place to start your financial literacy journey.
Profile Image for Mariah Winslow.
31 reviews12 followers
January 30, 2024
I have been thinking for days about how to adequately articulate how much I love this book. I immediately wanted to read it again after finishing. Somehow, a little book about money made me cry no less than 10 times. Madeline brings emotion, hope and vision for a better world through her words, even in the midst of her own heartbreak. I’m so grateful for humans like her who put their words and beliefs into practice— she makes me believe it’s possible to live a life that subverts capitalism by building a supportive community.
Profile Image for Nastia Nizalova.
70 reviews2 followers
January 31, 2024
I was so looking forward to this book after following Madeline on TikTok for quite some time. As she says in the end, she is proof of concept that you can have an ethical life and business and survive in this hellscape without yourself in the process.
I've struggled the entirety of my working life because of not being able to fit into the traditional work life and wanting to do something meaningful, but has felt demoralizing when I'm still always anxious about making enough. Madeline gives me hope. So I'll keep plodding on.

Thank you!
Profile Image for Amber M..
59 reviews
February 14, 2024
Excellent mix between financial literacy guidance and a memoir. So much of what Madeline explains in her life and stances with money resonates with me over the course of my life.

One of the biggest takeaways I have from her book is that capitalism sucks, and there’s certainly more losers than winners, but never stop trying to invest within you and your community to build a better, more equitable life.
Profile Image for Fay.
287 reviews24 followers
Read
January 16, 2024
𝐓𝐢𝐭𝐥𝐞: 𝐈 𝐒𝐮𝐫𝐯𝐢𝐯𝐞𝐝 𝐂𝐚𝐩𝐢𝐭𝐚𝐥𝐢𝐬𝐦 𝐚𝐧𝐝 𝐀𝐥𝐥 𝐈 𝐆𝐨𝐭 𝐖𝐚𝐬 𝐓𝐡𝐢𝐬 𝐋𝐨𝐮𝐬𝐲 𝐓-𝐒𝐡𝐢𝐫𝐭
𝐀𝐮𝐭𝐡𝐨𝐫 + 𝐍𝐚𝐫𝐫𝐚𝐭𝐨𝐫: 𝐌𝐚𝐝𝐞𝐥𝐢𝐧𝐞 𝐏𝐞𝐧𝐝𝐥𝐞𝐭𝐨𝐧
𝐏𝐮𝐛 𝐃𝐚𝐭𝐞: 𝐉𝐚𝐧𝐮𝐚𝐫𝐲 𝟏𝟔, 𝟐𝟎𝟐𝟒

Thank you #partners Doubleday Books and PRH Audio for providing me with #gifted copies of this book! #PRHAudioPartner #PRHAInfluencer

I’ve read so many great memoirs lately, and this one was no different! While I was not familiar with Madeline Pendleton prior to starting this one, I can say that I have so much respect for her and loved her honesty and approach in sharing her story! I loved how this book not only provided insight about Pendleton and her life, but also insight on topics including financial literacy, negotiating pay, and building credit. I found the author to be so relatable and authentic and I think this book has the potential to make a huge impact. I alternated between the physical book and the audiobook, narrated by the author. I always love when an author narrates their book and I think this provided such a personal touch. I highly recommend either format, and found my time listening to Pendleton to be super impactful!
Profile Image for Erica Salinas.
37 reviews2 followers
January 28, 2024
I love Madeline! I wish more people, and organizations, thought like her. Great beginning financial advice for people starting their financial literacy journeys. Not everyone is taught these things, and it’s great someone is willing to help people get there without judgement!
Profile Image for Hope Romeo.
4 reviews
January 19, 2024
“I Survived Capitalism and All I got was this Lousy T-Shirt” is an fantastic read, Madeline Pendleton does a phenomenal job of writting a book that is both entertaining and educational. She includes many of her own life experiences and lessons she’s learned along the way as well as great tips and tricks to help anyone through hard times. I hope that this book will be read and well recieved far and wide. Hopefully Pendelton’s story will inspire more companies and their owners/CEOs will start to care more about their employees well being rather than being able to write them selves a bigger paycheck.
Profile Image for Isabel.
39 reviews
February 1, 2024
So beautifully written and evokes so much emotion about the stress and tribulations a single person experiences under the oppressive pressure of capitalism. RIP Drew. I loved this book so much.
Profile Image for Jude.
124 reviews319 followers
February 6, 2024
Everything I hoped it would be.

I wrote a longer review but GoodReads crashed. Surprise surprise.
January 24, 2024
This should be required reading for young adults just starting out. So many helpful tips told in a compassionate way. I enjoyed the memoir components coupled with the practical advice.
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