Get Shameless About Money

#276: Part 2: From Seed to Unicorn - The Esusu Journey with Samir Goel Nov 16, 2023

Join us on a special Brunch and Budget bonus episode as Dyalekt and Pam dive into the remarkable journey of Esusu, the company that evolved from digital sousus to a groundbreaking credit-building platform. In this two-part series, we bring you an exclusive interview with Samir Goel, the co-CEO of Esusu, who shares the story of their pivot and the mission to bridge the racial wealth gap.
Discover how Esusu leverages rental data to empower individuals in building credit, challenging the conventional credit system. Samir unveils the company's innovative approach, focusing on the b2b side to make credit-building accessible to everyone. Learn how landlords and renters alike can benefit from this unique system that encourages on-time payments and provides 0% interest financing in times of financial strain.
In this episode, we explore the journey of Esusu from its early days to achieving a remarkable $1 billion valuation, making it one of the few black-owned unicorns globally. Samir shares insights into their commitment to using data to close the racial wealth divide and create sustainable change in the financial landscape.
Get ready for a thought-provoking discussion on capitalism, financial literacy, and the power of data to transform lives. Congratulations to Samir and Esusu for being named one of Time magazine's 100 Next in 2023. Tune in and be inspired by a conversation that goes beyond finance, touching on the impact of Esusu's mission on individuals and communities.
** SAMIR BIO **

Samir Goel is the Co-Founder and Co-CEO of Esusu, the leading financial technology company advancing rent reporting and data solutions for credit building. A social entrepreneur committed to bridging the public and private sectors, Samir previously co-founded Transfernation, a nationally recognized 501(c)3 non-profit which uses technology to ensure excess food from events goes toward underserved communities across New York City. He has been recognized as the 2023 Founder of the Year by AFROTECH, named to the 2020 Forbes 30 Under 30 list, and recognized as a WEF Global Shaper, Global Good Fund Fellow, Dalai Lama Fellow, Resolution Fellow, as well as the recipient of the Jefferson Awards Foundation National Public Service Award. In addition to his work as a social entrepreneur, Samir held various positions at LinkedIn, The United Nations, Venture for America, and various non-profits in the New York City area. | LinkedIn

#275: Part 1: From Seed to Unicorn - The Esusu Journey with Samir Goel Nov 09, 2023

Join us on a special Brunch and Budget bonus episode as Dyalekt and Pam dive into the remarkable journey of Esusu, the company that evolved from digital sousus to a groundbreaking credit-building platform. In this two-part series, we bring you an exclusive interview with Samir Goel, the co-CEO of Esusu, who shares the story of their pivot and the mission to bridge the racial wealth gap.
Discover how Esusu leverages rental data to empower individuals in building credit, challenging the conventional credit system. Samir unveils the company's innovative approach, focusing on the b2b side to make credit-building accessible to everyone. Learn how landlords and renters alike can benefit from this unique system that encourages on-time payments and provides 0% interest financing in times of financial strain.
In this episode, we explore the journey of Esusu from its early days to achieving a remarkable $1 billion valuation, making it one of the few black-owned unicorns globally. Samir shares insights into their commitment to using data to close the racial wealth divide and create sustainable change in the financial landscape.
Get ready for a thought-provoking discussion on capitalism, financial literacy, and the power of data to transform lives. Congratulations to Samir and Esusu for being named one of Time magazine's 100 Next in 2023. Tune in and be inspired by a conversation that goes beyond finance, touching on the impact of Esusu's mission on individuals and communities.
** SAMIR BIO **

Samir Goel is the Co-Founder and Co-CEO of Esusu, the leading financial technology company advancing rent reporting and data solutions for credit building. A social entrepreneur committed to bridging the public and private sectors, Samir previously co-founded Transfernation, a nationally recognized 501(c)3 non-profit which uses technology to ensure excess food from events goes toward underserved communities across New York City. He has been recognized as the 2023 Founder of the Year by AFROTECH, named to the 2020 Forbes 30 Under 30 list, and recognized as a WEF Global Shaper, Global Good Fund Fellow, Dalai Lama Fellow, Resolution Fellow, as well as the recipient of the Jefferson Awards Foundation National Public Service Award. In addition to his work as a social entrepreneur, Samir held various positions at LinkedIn, The United Nations, Venture for America, and various non-profits in the New York City area. | LinkedIn

#274 Bonus: Weird Finance - First Generation Wealth Building with Pamela Capalad, CFP®, AFC® Jul 20, 2023

In this episode of Weird Finance, Paco talks to Pamela Capalad about the path to becoming a financial planner, building a financial literacy program for kids, the unique struggles first-generation folks have with navigating wealth building, her holistic approach to financial planning and Sea Change, a financial planning service specifically for people of color.

Pamela Capalad (@brunchandbudget) is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine and was named New York Magazine’s Best financial planner of New York 2019.

This episode also features The Economic Outlook with financial astrologer Susan Gidel. This is a short segment where Susan, our resident economic cosmonaut, does what many humans have done before us for thousands of years: she looks to the stars to try to understand our economic present and predict our financial futures. For more guidance from Susan, sign up for her Red Letter Trading Days newsletter.

A special thanks to the talented and generous Ramsey Yount, for producing, editing, and sound designing this episode. Thank you to my friends, Jenna Parker and Gabe Sena, for lending us their voices. The theme music was written and performed by Andrew Paker, Jenna Parker, and Paco de Leon.

Please enjoy!

#273 BONUS: Life Blood - Effective Financial Literacy with Pamela Capalad Jul 06, 2023

From Life Blood Podcast -
On this show, we talked about what financial literacy is not about, what it's truly about and how you can best position yourself for success with Pamela Capalad CFP, AFC, Founder of Brunch and Budget, host of the Brunch and Budget podcast and CoFounder of Pocket Change. Listen to learn about how you can determine the best plan for your personal financial future!

#272 BONUS: Take Charge of Your Finances | Deliberate Freelancer with Pamela Capalad Jun 29, 2023

BONUS: Take Charge of Your Finances | Deliberate Freelancer with Pamela Capalad
Today’s guest is Pamela Capalad, a certified financial planner and accredited financial counselor in Brooklyn. Pam created this really cool program called Brunch & Budget, which helps people who feel ashamed or embarrassed about money have a safe and friendly place to talk about their finances—over brunch with Pam. I think this is genius. It makes people more comfortable and really open up to Pam, whose mission is to make financial planning as affordable as possible for the communities who need it most.

We didn’t get into it in this episode, but Pam and her husband teach hip hop and finance workshops to kids, teens and college students across the country through a program called Pockets Change. They also host the Brunch & Budget podcast, where they discuss how personal finance and racial economic justice intersect. And—if that’s not enough—they started a financial planning program designed for the needs of people of color called See Change.

In this episode, learn how Pam went from working in wealth management to financial planning—first, for her friends. A conversation with a friend led to Pam’s business, Brunch & Budget. While the first meeting is usually an in-person brunch, Pam then meets with clients virtually every month to help them put together a financial plan and to actually implement it.

Pam goes over the most-asked questions she gets from freelancers, which includes issues related to quarterly taxes and an inconsistent income.

Pam also helps freelancers figure out how to raise their rates.

Pam gives us the scoop on new IRS rules that benefit freelancers—the IRS won’t be charging penalties if you didn’t pay your 2018 taxes on time every quarter. And going forward, they’re going to less strict about freelancers paying taxes every quarter as long as you get all the taxes paid by January.

Pam explains why it’s important to build a good relationship with an accountant who works with freelancers.

Pam is a big believer in creating a 12-month cash flow projection of how much money you anticipate you will make and what your income goals are. It’s important to have monthly, quarterly and annual goals, partly because a freelancer’s income can be inconsistent. That cash flow projection will help you notice income patterns as income ebbs and flows throughout the year. Then, you can plan your action steps around your income goals and track and measure whether you’re hitting your income goals.

She also encourages freelancers to take a VACATION when the months are low.

Pam talks about how imposter syndrome relates to money—and sometimes increases as you get more successful.

When you are setting your rates, you need to figure out how to take the emotion out of it. Pam admits undervaluing herself when she first started providing her financial planning services.

But then Pam took the emotion out of creating her rates by making herself stick to a rule that every time she gained two or three new clients, she had to raise her rates for all future clients. She also recommends coming up with the “least I’m willing to take” rate.

If you do take a project below your rate, consider what non-monetary things you can negotiate with the client—a referral, a longer contract, additional projects.

Pam helps us figure out how to commit to a savings account. She recommends a “high-yield” savings account so you can gain a bit more interest than what you would at your local bank. Know what your minimum personal expenses and your minimum business expenses are each month. That way when you exceed those, a chunk of that money can go directly into your savings account.

Make sure you have a separate savings account just for taxes. That money is not yours. Set aside 25–30 percent of whatever you make and pretend that money doesn’t exist.

From there, take your monthly inc

#271 BONUS: Artist Without Day Jobs - Budgeting for Creatives & Artists w/ Pam Capalad Jun 22, 2023

Another Bonus Episode from Artist Without Day Jobs Podcast!
Today we speak to Certified Financial Planner, Pam Capalad. She's the founder of Brunch & Budget and financial firm that takes the scary out of planning for your financial future through one of my favorite vehicle's BRUNCH!

Pam has been in the financial services industry since 2008 and spent a lot of those years at wealth management firms. She's based in Brooklyn, NY and serve clients virtually in the New York City area and across the country. You can find her firm at brunchandbudget.com.

#270 BONUS: Martinis and your Money with Pam and Dyalekt Jun 15, 2023

Description from Martinis and your Money Podcast -
As most of you know, I’m a big fan of financial literacy. And I think it is equally as important a component to a successful life, just like regular literacy. The biggest challenge for most people though is that, unlike reading lessons, most of us don’t get personal finance lessons in schools or at home. So it’s up to us to learn a language on our own and find the best classes for our needs. This is why I love highlighting so many different resources for financial literacy and I’m excited to share another one for you today. Joining me on the podcast today are Pamela Capalad and her husband, Dyalekt. She’s the founder of the financial planning company “Brunch and Budget” and together the couple has cofounded “The Race and Wealth Podcast Network” which includes the Brunch and Budget podcast as well as the organization “Pockets Change”, which creates financial literacy curriculums that are taught in schools, youth organizations or one-on-one with parents and kids. They’re joining me to share how their unique backgrounds and experiences helped them to find a unique way to teach financial literacy and empowerment to underserved communities.

For more information, visit the show notes at https://www.martinisandyourmoney.com/show-notes/episode378

#269 BONUS: Dyalekt featured on Caribbean Rhythms Radio HIP HOP FINFEST 2023 Jun 08, 2023

In this special episode, Dyalekt gets interviewed on Caribbean Rhythms Radio Network about Hip Hop FinFest 2023

Replay: You can’t talk about economics without talking about race (LIVE from the 4th Annual Audio Festival) Jun 01, 2023

We packed a whole lot of goodies in this hour special. We caught up with Tasty Keish from last year’s #DDJA interview to see where she is now after deciding to work as a full-time freelancer. We also discuss and divulge into a new Investment Appetizer and Poor Tax before our feature topic: The harsh […]

Replay: The Myth of The American Dream May 25, 2023

In Part 2 of why we believed the $72mm lie that Mohammed Islam told NY Magazine (that he made all this money investing in the stock market), we explore why we WANTED to believe his story. America and the American Dream is built on the idea of “rags to riches” narratives, being able to come […]

Replay: Poverty Lines: What it’s really like to be poor in America May 18, 2023

We did it. We are aired our 100th Bondfire Radio episode. We recorded it at our Airbnb in CA. It felt like it went by so fast. For the last 100 weeks of our lives, we created something and put it out into the world, never fail. Hopefully we educated and entertained people in the […]

Replay: Traditions Created by Advertisers May 11, 2023

Think getting down on one knee and shoving a diamond ring in someone’s face is romantic? Do you remember when your mom started buying you deodorant or told you it was time to start shaving your legs? Do you think a breakfast without bacon shouldn’t even count as breakfast? Are you afraid of getting herpes? […]

Replay: Does financial literacy education actually work? w/ Andrea Ferrero May 04, 2023

We have been out in CA this last October and November, teaching workshops up and down the coast that focus on financial literacy for kids and adults. There are a lot of articles out there, from Time, to NY Times, to HuffPo, to the Economist, to Slate, who have evidence that it doesn’t work. They […]

Replay: The govt is requiring advisors to have your best interests in mind, and people are mad about it: The New Fiduciary Rule Apr 27, 2023

Today on Brunch & Budget on Bondfire Radio, Dyalekt and I going to talk about something I feel very strongly about, something I’m appalled has actually caused controversy. We talk a lot on the show about how important it is to make sure your advisor has committed to being your fiduciary, which basically means they […]

Replay: CPA? CFP? CPA? CF-What?? Apr 20, 2023

There are literally hundreds of professional financial designations and sadly, most of them are not as legitimate as they sound – sometimes all you need is $50 and a 50 question test to be able to put some initials after your name. Find out which financial designations really matter and what the difference is between […]

Replay: It's Financial Literacy Month so how do you know if you're financially literate? Apr 06, 2023

I feel like people toss around the phrase financial literacy and everyone nods along and says, “Oh yeah, I need that.” But what exactly is THAT? How do you know whether or not you’re financially literate in the first place? Do you take a quiz? And if so, which quiz do you take? Is the […]

Replay: Tax Planning as an Act of Social Justice Mar 30, 2023

Pam and Dyalekt tackle taxes with Marci Blackman and Diana Greiner of Treehouse Taxes in Brooklyn, New York. The crew breaks the process down for every type of earner and explains why doing your taxes is an act of social justice in this annual tax episode. Music Featured in this Episode: Theme Music by Jon […]

Replay: The Unavoidable Tax Talk with Darren Liddell Mar 23, 2023

It's time for our annual tax episode! This year, we sit down with Darren Liddell, one of our See Change coaches and a seasoned tax preparer (he shows off his 10 year VITA pin on the show!) who breaks down taxes through a news lens. By the end of the episode, you'll learn how to take advantage of the tax changes during COVID (and make sure you get that stimulus payment!), how to maximize your deductions, the biggest tax mistakes people make, and why refunds are actually a total scam.

Music Featured in this episode:
Stay [Income Tax] feat illmac by OnlyOne
Income Tax Party by BIG SUB OG
Income Tax Money by Scrap Easy

Replay: Former IRS Auditor, Arielle Bryant, answers all the questions you have about taxes Mar 16, 2023

Audits. You’re scared of them. We’re scared of them. But what exactly is an audit? How do we prepare for something many people avoid discussing? This week’s guest, Arielle Bryant worked for the IRS as an auditor for five years until transitioning into nonprofit, first at Start Small Think Big. Currently, she is based in […]

Replay: How to talk to your kids about money, forreal forreal Mar 14, 2023

True stat – parents are more afraid to talk to their kids about money than they are to talk to them about sex or drugs. At the same time, we have all picked up money habits, lessons, and philosophies from our parents and other influential adults around us and our kids are doing the same. […]

Replay: How to talk to your honey about money Part 2 Mar 02, 2023

Dyalekt and I had SO much to talk about on Valentine’s Day that we decided to do a second show on how to talk to you significant other about money. This show is all about getting down to the details, the nitty gritty. Exactly HOW should you set up your bank accounts? Should you get […]

Replay: You and your honey's money personality Feb 23, 2023

Money is the #1 reason for divorce, and often, it is the main thing couples fight about. Remember money personalities? (Here’s the link in case you need a refresher: brunchandbudget.com/personality) Whether you’re a Worrier, Amasser, Avoider, or a Money Monk this episode focuses on you and your significant other’s money personalities and how to smooth […]

Replay: How to talk to your honey about money Feb 16, 2023

Forget the roses and the candy. If you want to make sure your relationship lasts past this Valentine’s Day, how do start to talk to your significant other about your finances, or, even scarier, their finances? We’ve all heard the stats – money is the #1 cause of divorce in this country – and at […]

Replay: Cost Of Being Single VS Coupled Feb 09, 2023

As another Valentine’s Day approches, it begs the question, is it less expensive to be single or in a relationship? Not just on Valentine’s Day, but in general. Do couples spend more money or do single people spend more money trying to get couple-y? We compare single and living alone to single and living with […]

#268: Beyond Brunch: Get Shameless About Your Money Feb 02, 2023

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

Replay: How running out of willpower and decision fatigue affect your finances Jan 26, 2023

This show was inspired by our financial planner, Sophia Bera, who we met with recently. She stopped us in the middle of our word vomit and said, “I think you guys have decision fatigue.” We were running on empty with all the work we were booking, planning a cross country trip to CA, and, oh […]

#267: Money Can Buy Happiness Part 3 - Breaking The Shame Spiral Jan 19, 2023

Featuring an interview with
Dedrick Asante-Mohammad the chief of membership policy and equity at NCRC
Follow him on Facebook and Twitter.
NCRC Website
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#266: Money Can Buy Happiness Part 2 - What does happiness really feel like? Jan 12, 2023

Song
You Can Buy Happiness
By Dyalekt and Warren Britt
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#265: Money Can Buy Happiness Part 1 - Does Freedom = Happiness? Jan 05, 2023

You Can Buy Happiness
from This Is Your Life (Original Version) by Adult Cinema
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

Replay: Who Really Bankrupted Toys R Us & How Small Businesses Can Fill the Gap Dec 29, 2022

TBT - After 69 years in business, Toys R Us filed for bankruptcy. Two days ago, it announced that all 800 of its American stores, and all 100 of its British ones, are closing or being sold. As many as 33,000 workers could lose their jobs. As recently as last year, the company still accounted […]

#264: Paperwork Part 3: Paperwork at every financial stage Dec 15, 2022

I Barely Know How to Dress Myself
from Paperwork by Swordplay
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#263: Paperwork Part 2: Recipe for getting through paperwork Dec 08, 2022

Paperwork
from Semicolon Concentrate by Bane MC
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#262: Paperwork Part 1: It’s not you, it’s the paperwork Dec 01, 2022

Featured Song - Gettahead
from No Paperwork by L.A.Z
Download song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

Replay: Survivorship Bias or How to Reverse-Engineer Success on a Budget Nov 24, 2022

If I did it, so can you. That phrase sound familiar? If you just work harder, if you only wanted it more, if only… Survivorship Bias can be dangerous. Hard work is definitely needed to gain success, but it’s not the only factor. By believing in this mentality we are automatically doomed into thinking if we don’t succeed then we’re failures. But the world isn’t so two-sided. There are plenty of options and ways to achieve the success you want.
Music featured in this episode:

Survivors– Beni Bjah
Survivors -Cphr Dvn
Survivor – Kolayah

Want more? Subscribe to our show on iTunes! New episodes uploaded every Tuesday.

Episode Highlights:

Pam: Survivorship bias…it’s this idea that you survived and you don’t see who failed, so the people who talk about their success, the ones who survive are the ones who are like, “Well you can do it too if you do exactly what I did.”

Pam: Failed companies are excluded in performance studies, because they’re gone and they failed.

Pam: We’re all told the bootstraps story, the American Dream story. We’ve spent so much time on this podcast talking about that and the idea of pulling yourself up by your bootstraps. This idea that we all live in this vacuum or this silo where we all start from the same place and have the same opportunities so “I just worked hard and that’s how I made it” and this implication that I worked hard and I’m here, which means that you didn’t work hard because you’re not here.

Pam: You’re always right in hindsight. That’s basically what survivorship bias is. Is oh, looking back on all these things, I’m able to tell you that this is what worked when that’s not actually what worked that’s just what happened.

Pam: “Hard work is a necessary condition for success, not a sufficient one.” -Sol Orwell …Hard work is the prerequisite for success. It is really putting in the time, putting in the effort.

Pam: The biggest thing about deliberate practice is there needs to be a system in place where you understand the progress you’re making, and you can also pinpoint where you’re not making progress.

Pam: I think the first thing in terms of you trying to figure out what you wanna get better at, or if you have a business idea and you wanna figure out if you’re making progress on it, is you have to figure out what you’re actually measuring. This is why we talk about why it’s so important to have cash flow projections so that you can measure month by month whether or not it’s growing in the way that you predicted that it would grow, because that’s one way to see if it’s working and that’s one way to help you decide if what you’re doing is working.

Pam: If you don’t have an understanding of what you need to measure, than that’s the first thing you need to figure out.

Pam: The phrase “work hard” is just as valuable as “exercise more and eat less.” It means nothing! …It’s this sort of blanket statement that people say when they don’t’ understand what they’re doing and they don’t understand how they got there.

#261: How much is enough Part 3: How much is enough at each stage Nov 17, 2022

Featured Song - Enough
From Penstroke Of Genius By Mallz
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#260: How much is enough Part 2: Recipe for calculating your ideal income Nov 10, 2022

Featured Song - Enough
by Lhagic
LISTEN HERE
Featuring an interview with
Dedrick Asante-Mohammad the chief of membership policy and equity at NCRC
Follow him on Facebook and Twitter.
NCRC Website

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#259: How Much Is Enough, Part 1: Do you really need $100 million? Nov 03, 2022

Featured Song - Enough
by Leila Rhodes
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

Replay: What exactly is hyperinflation? Oct 27, 2022

We’ve all heard stories in history class of a country’s currency being nearly worthless and it’s happened as recently as 2009 to Zimbabwe, where their Zim Dollar exchange rate was 700 billion to 1 US dollar. Could this ever happen to the US?

#258: Inflation Part 3 - Deal with inflation at every financial stage Oct 20, 2022

Featured Song - Inflation
from Inflation by Johnny Osbourne, Cultural Warriors, The Disciples,
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#257: Inflation Part 2 - Recipe for fighting inflation Oct 13, 2022

Featured Song - INFLATION
from WAIT by herrotics
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#256: Inflation Part 1 - Where does inflation come from? Oct 06, 2022

Featured Song - Inflate (Live)
from Catallabs (Live) by sonny miles
Download Song

Featuring an interview with
Dedrick Asante-Mohammad the chief of membership policy and equity at NCRC
Follow him on Facebook and Twitter.
NCRC Website
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

Replay: The Dangers of Lifestyle Creep on Growing Your Wealth Sep 29, 2022

Am oldie but goodie from 2016 we are talking about Lifestyle Creep and growing your wealth!
Do you feel like you’re always living paycheck to paycheck, even though your income goes up every year? Do you wonder where you money goes every month? You may be experiencing Lifestyle Creep. We make more money so we can live better lives. The trouble is, sometimes the money controls us more than we control […]

#255: Savings Part 3 - How to save at every financial stage Sep 22, 2022

Featured Song - Savings
from INDIGNATION by Indigo Ali
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#254: Savings Part 2 - Recipe to save your first $1k Sep 15, 2022

Featured Song - Saving
from Fresh Air EP by DeeRiginal
Download Song

Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#252: Savings Part 1 - Why no one cares about saving Sep 08, 2022

Featured Song - Saving
from Trickle Down Destruction by A7MC x Dethwzrd
Download Song
Featuring an interview with
Dedrick Asante-Mohammad the chief of membership policy and equity at NCRC
Follow him on Facebook and Twitter.
NCRC Website
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#252 BONUS: Get Shameless about money Sep 01, 2022

Featured Song - Shameless
by POUNDS
Download Song

Special Episode - Get Shameless About Your Money
As we enter a recession, it's easy to feel like you're the one who failed, when in fact, there was no way to predict what was going to happen in the future.

"I should have prepared more..."

"I should have saved more..."
"I should have known that my job was going to fire me..."
We're here to remind you that you're not wrong,
You're not stupid,
and you are not alone.
We are Brunch & Budget, a financial planning, coaching, and advocacy practice that serves people through a racial wealth equity lens.

In the podcast, you'll walk away:

Knowing your options: Action steps to take towards financial safety using our very own method, "5 Stages to Financial Legacy"
Understanding the system: How to identify systems that use shame and trauma to weaponize your trust
Knowing your values: Gaining agency and ownership of your own tendencies around money
Relinquishing shame and guilt of the things that you don't have control over

We can't be shamed if we know our options
We can't be shamed if we understand the system
We can't be shamed if we know who we are and what we want (our values)
Get shameless about your money.

Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#251: Recessions Part 3: Handling recessions at every financial stage Aug 25, 2022

Featured Song - Recession On
from Rain Shine by Luke Rain
Download Song

Featuring an interview with
Dedrick Asante-Mohammad the chief of membership policy and equity at NCRC
Follow him on Facebook and Twitter.
NCRC Website
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#250: Recessions Part 2: recipe for recession-proofing your finances Aug 18, 2022

Song Featured - Recession Proof
from No Lotion 2: The Great Repression by Ashy L Bowz
Download Song
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#249: Recessions Part 1: Recessions Are Racist Aug 11, 2022

Song featured - Recession
from Hometown Herverts by A. Harmony, DijahSB & pHoenix Pagliacci
Download Song
Surprise! We’re back, and so is the looming possibility of a recession. Some folks say it’s inevitable, some say we still have time to prevent it.
But, what the heck is it? How do we know we’re in a recession? Is there some kind of announcement?
In part 1 of our Recessions arc, we share what a recession is, what the indicators are, who is most affected by it (3 guesses) and the ways past recessions have brought out the racism in people and institutions.
Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances
Hosts -
Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in financial services since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe place to make real financial progress. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best financial planner of New York 2019.
Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.
Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website

https://brunchandbudget.com/services/
Follow us on Instagram @brunchandbudget
Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777.

#248: Brunch & Budget Season 2 Trailer Aug 04, 2022

Feat. DREAM by Dyalekt & Dedrick Asante-Muhammad
Listen here
May 2021. That was the last time we posted a podcast episode. One of our most favorite, nourishing, life giving things we did gave way to the weight of… everything else.
We had a false start in January of this year. We recorded a segment with our favorite regular guest, Dedrick Asante-Muhammad, and he rocked it of course. But then the pressure to be “good” got to me. Every segment we recorded didn’t sound right. We were out of practice and forgot why it was fun in the first place.
Finally, we had heard ourselves complain about it enough. We reached out to greenhouse studios and booked studio time. The first 40 minutes of recording, we had that same sinking feeling back in January. Luckily, we booked 4 hours of studio time and by the second hour, we were laughing again.
One of the big lessons we’re learning this year is how to prioritize the things that give us life, the things we do for us as much as we do for other people. The podcast is one of those things.
After 245 episodes in season 1 we are extremely excited to bring you season 2 of the Brunch & Budget podcast starting August 11. We hope you love it as much as we do.

#247: PREACH: Has the Racial Wealth Divide Been Co-Opted? May 10, 2021

Has talking about the racial wealth divide become conversational quicksand, where we think that people talking about it are considering the problem in its totality and actually trying to solve it but they're actually applying a band aid to a gaping wound by saying the right words so we keep buying their products(looking at you Apple)?This week we're joined by Dedrick Asante-Muhammad for another PREACH episode and we took a deep dive into corporations and the racial wealth divide. We talked about authenticity, what systemic racism actually means, and how the feeling of being personally racist factors into all of this.
Music Featured in This Episode:
False Leadership by Knowlegin
Bandwagon by A-Roy
Real Recognize Real by Aleya

#246: The Unavoidable Tax Talk with Darren Liddell Mar 12, 2021

It's time for our annual tax episode! This year, we sit down with Darren Liddell, one of our See Change coaches and a seasoned tax preparer (he shows off his 10 year VITA pin on the show!) who breaks down taxes through a news lens. By the end of the episode, you'll learn how to take advantage of the tax changes during COVID (and make sure you get that stimulus payment!), how to maximize your deductions, the biggest tax mistakes people make, and why refunds are actually a total scam.

Music Featured in this episode:
Stay [Income Tax] feat illmac by OnlyOne
Income Tax Party by BIG SUB OG
Income Tax Money by Scrap Easy

#245: It's Not that You're Lazy, It's That They're Lying to You Mar 08, 2021

You know the Lazy Susan(tm)? The mini Gravitron where your sauces or spices turn for everyone at the table? Why is it lazy, and Why Susan? Markus Krajewski, professor of Media History at University of Basel, Switzerland, and author of The Server: A Media History from the Present to the Baroque says, "In all probability, Susan was a generic name rich homeowners addressed their maidservants with through the 18th century. "Laziness was a common complaint against servants (at the time), so ‘lazy Susan' must have been a usual term since the 18th century,"
THESE ASSHOLES HAVE BEEN CALLING WORKERS LAZY AS LONG AS WE’VE HAD WORDS!!!
"Villain" has origins in stereotyping farmhands as "lazy"
Africans were enslaved because they were "lazy"
Mexicans are paid lower wages because they’re "lazy"
Nobody wants to raise the minimum wage for fry cooks because our financial system has a vested interest in seeing servants as "lazy" so we can justify becoming overseers.
Placing ostensibly reasonable words over untenable practices is the same ol’ okey doke. This week we talk about the myth (yes MYTH) of Personal Responsibility. It’s not what you think it is.
You are not lazy. You are not stupid. You are not alone.
Music Featured in this episode:
Lazy I by D Real
Kein Stress! by Lazy L
Pirata Sem Tesouro by Lazy

#244: Why We're Still A Segregated Nation Feb 21, 2021

Why Desegregation Didn't Work

They used to be lying, stealing, screaming f*ck your feelings
Now they’re crying, pleading for unity and healing
History is written by the richer, not the winners
We’re seeing it happen as we tweet
History tells us that desegregation fixed America
It admits that separate was never equal
As if separation was America’s only evil
Racial discrimination is like a nuclear bomb
Communities that aren’t destroyed by explosion
Often end up dying by fallout
The explosion was the sound of millions of white customers
Ignoring Black businesses
Even as Black customers shopped at white owned businesses
With a sense of pride
Because unity and healing
Also the places you weren’t looking at didn’t desegregate
Schools are the same place they were in the 60’s
And it’s getting worse
Music Featured in This Episode
Los Regentes by SimónSqualo & Pensamiento Colectivo
Desegregation ft. Thee Tom Hardy by Actual Proof

#243: The Racist History of Insurance & Why You Need It Anyway Feb 13, 2021

Hey there,
It's Black History Month, and we're always ready to call out some sh*t about the finance industry. Here's some f*cked up history for you:
The history of insurance is racist.
NY Life started in the 1800's by insuring enslaved Africans lives - if a slave died, the insurance company would pay the slavemaster for their life. Fastforward to the 80's and 90's when Walmart started buying "dead peasant" life insurance policies where if an employee died, Walmart got paid out. POC have always had a complicated relationship with insurance - it's an exploitative industry where salespeople are incentivized to take advantage of their clients. It's also one of the best ways to protect the wealth you've built and pass it on to the next generation. This week, we explore the racist history of insurance and why you need it anyway. By the end of the podcast, you'll know exactly what insurance you need to buy to protect your wealth at every stage of life.
Music Featured in This Episode:
Dead Peasant feat Sana Sana by PAN(D)EMIC
R.I.P Disability [Rework] by Shawn Crutch
Segregation by Ondaway

#242: Gamestop, Short Stocks & the Smoking Barrel Feb 06, 2021

So what’s going on with this GameStop thing?
Did Reddit take down a multi-billion dollar hedge fund?
What’s a hedge fund?
If you’ve been hearing about GameStop nonstop for the last few days and want to know all the drama and what it might mean for the stock market as a whole and your personal investments, join us today at 2pm EST to learn all about it. We invited back Kevin Matthews of Building Bread to help us break down what the heck happened, all the investment terms you need to know and discuss the cultural and economic significance of this event.
Music Featured in This Episode:
Sol Patches-Gamestop by Ians Party
Stock Market by KIDD ISAIIAIH &and PERK
Grandma Got Run Over By a Hedge Fund by Live From Indoors!

#241: You CAN Knock the Hustle Feb 02, 2021

We don't know about you, but we're tired of hearing out of touch celebrity millionaires (looking at you, Diddy) who keep telling us we should have been hustling even harder in the middle of a global pandemic. We are TIRED! But more importantly, hustle culture prevents us from interrogating the system of oppression it was built upon. Instead of advocating for our own labor/worker rights, we're pitted against each other. Instead of giving ourselves space to rest and recharge, we feel forced to work until burnout.
Hustle does not equal abundance. Hustle only leads to more hustle.
By the end of this podcast, you'll know how to knock the hustle and still have enough money to create a balanced financial life.

Music Featured in This Episode:

Struggle Not To Hustle by 13thmark
Can't Stop the Hustlin' by JahYut
The Tortoise Hustle by Sankofa

#240: The Stimmy Hits Back + Prop 22 + PPP Loans Jan 25, 2021

Music Feature in This Episode
Payroll Taxes by IM-POWER-MEANT ENT PRESENTS $HO Montega
Stimmy (Stimulus Checks)- by Stimmy Gawd feat L'Daialogue DiCaprio
Living Wage by Aveli Amun

#239: Pros & Cons of Workers Co-Ops w/ Ajoke Williams & Anh-Thu Nguyen Oct 03, 2020

As part of our COVID-19 relief and business saving efforts, DAWI is launching a hotline this month for small businesses, especially in communities of color, interested in converting to worker ownership, and we're doing it in partnership with NYC Department of Small Business Services.
Music Featured in This Episode:
Better Together by Liberty Jones
Cooperative DVA by cooperative DVA
Workers United (will overcome) by Eve

#238: What if you could create your ideal bank? Sep 02, 2020

How many of us really love our bank? It feels like an entity that we have to do business with but always begrudgingly and always with a hint of how are they going to screw me over this time? In this episode we talk about this history of banking and how it got to be this way through various acts of deregulation and how we can ask our banks to do better.
Music Featured in This Episode:
Better by Sivion, Dre Murray, Sojourn
Make It Better by NjBred
Better Business by Blickaz

#237: Slavery Never Ended Part 2: Wage Theft Aug 26, 2020

Parisian poet Anatole France said "The law, in its majestic equality, forbids rich and poor alike to sleep under bridges, to beg in the streets, and to steal their bread.”
He was poeting about how laws penalize desperate actions borne of need while largely ignoring crimes inspired by greed. We've all heard stories about people spending years in prison or being killed for stealing food, while corporations that rob employees of breaks and overtime pay get off with a fine. We always assumed the corporations got off easy due to a combination of hiring expensive lawyers and the difficultness of deciding who to lock up when an entire company is at fault.
Turns out the real answer is worse: In most states, wage theft has no carceral penalty. Nobody goes to jail for stealing from workers. Victims of wage theft have to file a civil suit to get their money back. Most people can't afford to sue, so plenty of perpetrators don't even have the blemish of a lawsuit on their record. How many celebrity entrepreneurs and big name companies would be out of business if they faced the same consequences for stealing that everyone else does?
This Friday, Pam & Dyalekt are back with the real on wage theft and what people are doing to keep employers accountable, plus a few indie rap songs about who the real thieves are. #changethesystem #inequity #financialliteracy #financialabuse #letsdobetter
Music Featured in This Episode:
Real Thieves Wear Suits by Rebel Allianz
W.A.G.E.S. by James Ray
Thrift Shop by Mister Waugh

#236: How to invest in yourself without spending a dime. Aug 21, 2020

We are talking about how to invest in yourself without spending money and what is investing in yourself vs. self care? Where do we start with investing in ourselves and what does that even really mean?
Music Featured in This Episode:
In Yourself by Zo! + Asylum 7
Believe In Yourself by SisterSara featuring Awa Fall
Free Yourself (extrait) by NY.KO

#235: Does your salary reflect your value? Aug 21, 2020

MJ from Advisory Avenue joins us for this episode to talk about knowing your worth, how, why and when you should go to HR, approaching and preparing yourself to have "the raise" conversation and really proving and showing your value to a company during a pandemic!

#234: When it comes to investments, all times are uncertain w/ Kevin Matthews Jul 29, 2020

We were so happy to have Kevin Matthews on the show to explain how to think about investing during the pandemic and create an investment plan that weathers all uncertain times.
Music Featured in This Episode:
Making Bread by Xi
Basty & Farky-Investitii (Investment) by Basty
Makin' Bread by Sir Kn8

#233: Free money for freelancers... but hurry! PPP loan deadline on 8/8! Jul 22, 2020

One more episode on PPP and EIDL loans before the PPP loan deadline passes. Take a listen!

#232: How to talk to your parents about money (redux) Jul 13, 2020

We're going to talk about how to talk to your parents about money for real. I think it's something that I know has been on a lot of our clients minds. Especially with COVID, especially with parents getting older, we work with a lot of millennials who have found themselves having to not only adult for themselves, but also adult for their parents.
Music Featured in This Episode:
Parents by Smokey the Ghost
Parents by Christopher G.

#231: Protecting your generational wealth in the time of Corona with Jala Eaton Jun 30, 2020

Music Featured in This Episode:
When I Die by Sound FX
Estate Echos feat Saint by PROFIT
Last Rights by Proxy

#230: It’s Juneteenth, but slavery never ended Jun 24, 2020

The prison industrial complex is basically the privatization of prisons. The government and prisons are working together to expand the prison population for the sake of profit. And that's basically what it is. What they've done is prisons have been cited as job creators and the use of inmate Labor has kept costs down. That is what they said and they created jobs by imprisoning people and paying slave labor wages.
Music Featured in This Episode:
A Letter to The Judge by Taurus

#229: Put your money where your mouth is - dismantling systemic racism with your dollars Jun 11, 2020

Put your money where your mouth is! In this episode we talk about dismantling systemic racism with your dollars, ways to support POC businesses and also some great recommendations on POC businesses.
Music Featured in This Episode:
What's Important by LMNZ
What's Important by Z.O
What's Important by Dialectrix

#228: PPP loans Q&A with Fiverr (106 questions answered!) Jun 04, 2020

This episode is ALL things PPP loan! We answered 106 questions. We also touch on EIDL loans.

#227: Credit & Debt strategies for you and your honey May 29, 2020

In this podcast we will tackle the different ways to approach that tricky "money" conversation with you partner.
Music Featured in This Episode:
Communicate by ANGLLS
Love Hate Relationship feat. A Jones by Conz
Long Distance Relationship by imperfekt

#226: Managing Credit In A Time Of Crisis May 20, 2020

Managing Credit In A Time Of Crisis. This topic is on a lot of people's minds. I think that when it comes to our debt, especially during this pandemic, it can feel like even more of a burden. It can feel even more like something that we feel like is an even bigger mistake. Something we wish we got rid of sooner.

#225: How to budget during a pandemic + your IG Live questions answered! May 13, 2020

Questions answered:
I'm wondering if you have advice for me or others in my situation. I have a small business as a sole proprietor LLC (I'm the only employee) and just received a SBA PPP loan on Friday.

AND I also had applied for PUA early April as a freelancer and the partial unemployment just went through and was accepted. Any ideas of what to do? I imagine I can't take both

—

I had a quick question about PPP loans now that I've been offered one: From what I've read, it sounds like any amount of the loan that goes towards payroll and other eligible expenses (office rent, etc.) during the eight weeks following the disbursement of the loan will be forgiven.

As a freelancer, I'm wondering how I will "prove" these payroll expenses--i.e. do I need to show that my freelance income was lower than it was based on the previous year? I'm just trying to get a sense of what paperwork will be used to assess this.

--

any advice on how I can get creditors to pause or lower interest rates during these times would be helpful. The efforts I’ve made thus far, they won’t budge.

--

How should I think about getting a car in the city?

Music Featured in This Episode:
Wants & Needs by Likkle Jordee
Prioritize Wise (intro) by Collin Terrel
Priorities by ChrisGDaReal

#224: Exposing Loopholes in the CARES Act + Your IG LIVE questions answered! May 06, 2020

Our first IG Live! Today we're talking about how the CARES Act wasn't made for us, as usual, but what you can do within it anyway.
Questions answered:
Did anyone in there bring up the subject of being asked to come back in to work or have you discussed with others what to do in that situation?? I'm working remote now but they're telling me I have to go back to the office with no real substantive reason
--

I have been freelancing- I usually get paid via payroll and receive a W2. I filed for unemployment, I live in NJ & applied to both states(note sure if I will get approved in NY or NJ) and I put the last employer that I was working hours were reduced due to Covid and this past Friday, I was officially released, no active projects, all Covid related. Did I file correctly using my recent employer's info or should I have used myself?

Can you also clear up if someone is fully 1099 that they will receive benefits as well, filing all info as "self employed?" Will qualify for both Federal & state or just Federal?
--

if I work in a state I don’t live in (i.e. CA) as a contract worker and was told I can apply for unemployment by my boss... but I don’t live CA, I live in NY. Do I apply to CA or NY?
--

Are the $1200 checks a “loan” or will it reduce my tax refund next year?
--

I wanted to learn more about how the federal loans are being paid off. I thought it was just a forbearance.

--

Hi there! I have a question/need advice on my student loan situation that I was hoping you could answer at your IG live today... I have $4500 left and I applied for student loan forgiveness because my school (DeVry) made false claims and a lawsuit was settled back in 2018. In December, my application was finally added to the queue for review-yes it took 2 years for that. So it's been in administrative forbearance since then and I only paid interest on it in January and February. My question is: should I pay it off or wait to hear back to see if it'll be forgiven partially or wholly? I have about $1500 in other debt that I should be done with by end of June.

Thank you for your time and ALL that you do for us. I have been a fan for years 💜💜💜💜

#223: Financial Resilience in uncertain times (a virtual workshop recording) Apr 30, 2020

Bring your meal and mimosas and come chat with us about how we can master our personal finances. We’re offering bottomless budgeting tips.About this EventNever eat alone. We’re here for you. We are offering bottomless budgeting tips as we take brunch digital. In this online event, Brunch & Budget will share a meal while exchanging […]
Music Featured in This Episode:
IM TRYING WHERE MY STIMULUS CHECK by Fountaine
American Pimp by PPP
Land of the Loopholes by 4Mative

#222 Bonus: B&B and Preach to the Choir – COVID19 Special Part 1 Apr 15, 2020

Our first of a number of episodes on COVID19 and the racial wealth divide, our first impressions on how Black and Latinx communities are affected, how to navigate the stimulus package, how have artists like Dyalekt been affected, small businesses like Brunch & Budget, and why neoliberalism won’t save us.

#221: How art and culture prop up the Racial Wealth Divide Mar 24, 2020

In part two of How the Racial Wealth Divide Affects Your Wallet Pamela and Dyalekt continue the conversation on how the racial wealth divide affects your wallet, financial resilience and the policies that have led to the racial wealth divide and dive deeper into how those policies actually were perpetuated by art media and culture.Music […]
Music Featured in This Episode:
Chicken & Watermelon feat JAMPoet by PRODUX
Dorsia by Uncle Tom, and Associates
Who Will? by Phynite

#220: How the racial wealth divide affects your wallet Part 1 Mar 03, 2020

Music Featured in This Episode: The Buy In by Hech Rhymes Advocate by Spoken Phor overstand FT. Rswift by Overcome In part 1 of Financial Resilience and The Racial Wealth Divide Pam and Dyalekt dig into the five steps to financial resilience: Buy In Systems Habit Advocacy Values Episode Highlights: Dyalekt: I know it starts […]

#219: Back to Basics: Understanding Your Credit Score Feb 25, 2020

Music Featured In This Episode: Credit Scores by J.A Bad Credit by Siras WorthDMention and DJ FenixFly Episode Highlights: Pam: On our back to basics episode today we are going to be talking about understanding your credit score. Dyalekt: Well, the thing about credit score is like, credit is such a pervasive thing that I’ve […]

#218: Tax Planning as an Act of Social Justice Feb 04, 2020

Pam and Dyalekt tackle taxes with Marci Blackman and Diana Greiner of Treehouse Taxes in Brooklyn, New York. The crew breaks the process down for every type of earner and explains why doing your taxes is an act of social justice in this annual tax episode. Music Featured in this Episode: Theme Music by Jon […]

#217: 2020 Is the year of the freelancer – but is that a good thing? Jan 23, 2020

Music Featured in This Episode: My Own Boss by SMCity feat. Pro’verb Free Your Body Free Your Mind by Patterns of Chaos MARV – My Own BiZness Episode Highlights: Pamela: I feel like that so much about personal finance is based around personal responsibility. And what I mean by that is that people will say, […]

Replay #158: How to Quit Your Job and Go Full Time Freelance, Part 1 Jan 08, 2020

About 1 in 3 Americans is currently a freelancer or a small business owner. By 2020, the number of freelancers are estimated to grow to 40%! It’s becoming easier than ever to start your own business and work for yourself. But the idea of giving up a steady paycheck, retirement benefits, and health insurance can […]

Replay #38: Is it More Expensive to be Single or in a Relationship? Dec 17, 2019

In this Oldie but Goodie Pam and Dyalekt weigh the pros and cons of being single vs being in a relationship on your finances. Pamela: Today, we’re gonna talk about whether or not it’s more expensive to be single or to be in a relationship. Pamela: It’s interesting, when I was researching this it was […]

Replay #152: Why You Need an Estate Plan to End Generational Poverty Dec 03, 2019

What happens after we die? Estate planning, Trusts, Wills—these are things we associate with the wealthy, but do they matter even after we’re gone? For this episode, we were able to talk to Bomopregha Julius, an amazing estate attorney, on the importance of planning even if you don’t think you have much to your name. […]

Replay #79: Why You Should Boycott Black Friday Nov 19, 2019

Whether or not you shop on ‪#‎blackfriday, how do the ‪#‎blackoutblackfriday boycotts affect you? What does it look like to vote with your dollars? Listen to Dyalekt and Pam on this Oldie but Goodie and learn how to be a more ‪‎conscious consumer and human being, now and at any time of the year. Music […]

#216: Back to Basics: How to Start Investing For Real, with Caleb Silver of Investopedia Nov 04, 2019

In this week’s episode Brunch and Budget takes it back to the basics of investing. Dyalekt and Pamela speak with Caleb Silver, Editor in Chief and Senior Vice President of content at Investopedia, about the basics of investing and how to get started. Music Featured in This Episode:Heavily Invested – Spaceman Jones and The Motherships […]

#215: Back to Basics – Aligning Your Spending With Your Values Sep 29, 2019

In this second back to basics show Pam and Dyalekt revisit the spending values matrix and discuss the importance of aligning your spending with your values. Dealing with money is emotional and Pam and Dyalekt encourage you to think about how you spend your money and how it represents what you value. ———————— Music Featured in […]

#214: Equifax Equi-f*ckery Continues – What You Can Get Out of the Settlement Sep 10, 2019

In this episode we discuss the Equifax breach, the settlement, and what you can get out of it. Pamela and Dyalekt discuss the pros and cons of choosing the cash settlement versus the credit monitoring option. Music Featured In This Episode: Equifax by Pounds Minimum Rage by Gone Ghastly My Generation by Broken Episode […]

#213: Back to Basics – Your Money Personality Aug 20, 2019

In this week’s episode we are going to go back to basics. We want to update the concepts, because our understandings of these concepts have evolved. We wanted to start with show #1: What is Your Money Personality? Episode Highlights: Pam: The reason why we think it’s important to start with money personalities the thing […]

#212: Cancelling Student Debt Aug 01, 2019

1 in 6 Americans have student loan debt. Federal Student Loan Debt has risen to $1.5 trillion. The average student loan debt is close to $40,000 now. Every year, the debt creeps higher. Several of the Democratic Presidential Candidates have proposed plans to cancel all or some student loan debt. What would the affect of […]

#211 Bonus: Episode 2 – Would The Thanos Snap Solve The Racial Wealth Divide? Jul 25, 2019

The Thanos Snap, for those people unfamiliar with the recent Avengers movies, was villain Thanos’ use of a powerful artifact called the infinity gauntlet to reduce half the population of the universe to dust in a single moment. But would randomly removing half the human population help with the Racial Wealth Divide? Certainly, many societal […]

Replay #51: From Slavery to Prisons: A History | The PIC Series, Part 2 Jul 23, 2019

Last week, Dyalekt summed up the prison industrial complex in one word: Slavery. 2.3 million Americans are in prison today and 60% of them are people of color. This week, we have special guest Stephanie Damon-Moore, a law student at NYU who has dedicated her studies to abolishing the prison system, join us on the […]

Replay #50: Prison as a business | The PIC Series, Part 1 Jul 08, 2019

This week’s Oldie-but-Goodie: To mark our 50th episode, we will be starting a 4-part series on the Prison Industrial Complex. In Part 1 of the PIC series, we talk about Prison as a Business: From corporations like the Corrections Corporation of America being publicly traded on the stock exchange to companies like Wendy’s, Walmart, Starbucks, […]

#210: Why Philanthropy doesn’t work with Pierre Joseph of the Solidago Foundation Jul 01, 2019

Philanthropy sounds good: someone giving money to improve the world out of the goodness of their heart. The problem is that then those wealthy individuals get to dictate exactly how their money is used, and get corresponding tax breaks which take money away from what the larger public has decided it actually needs. Philanthropy as […]

#209: What is universal basic income? with Stockton Mayor Michael Tubbs Jun 24, 2019

Universal Basic Income is the idea that people (sometimes everyone, sometimes only the poorer ones) should receive a basic, minimum amount of money each month, or every couple of weeks, in cash. Rather than giving people foodstamps, or Medicaid or other social programs which provide individuals with credits to be used only in a specific […]

Replay #163: How to protect your assets as an immigrant with Mohan Kanungo of MAF Jun 11, 2019

In order to make money, one has to spend money. You’ve heard of that saying before. The whole “work hard, play hard” concept. But what happens if your entire family is working hard and don’t see any financial progress? Why is it not working? This is common and an, often, ignored cycle happening in the […]

Replay #127: How Entrepreneurs of Color can close the racial wealth gap May 29, 2019

As we continue our coverage of CFED’s 2016 Assets Learning Conference, we go deep on another critical topic for People of Color and closing the racial wealth gap. Entrepreneurship is another form of ownership and a way to build wealth in the US. While certainly more risky than homeownership in some ways, it is also […]

#208: Hari Kondabolu on how to negotiate your rate as an artist of color May 24, 2019

Hari Kondabolu is a comedian who lives on his art, but it wasn’t always that way. He shares with us today his struggle to become a comedian, to get shows, to get an agent, and to make it. What does it really take? What were the hardest parts? What could he have done to make […]

#207 Bonus: Preach to the Choir Bonus Episode May 06, 2019

Episode 1: Does the Racial Wealth Divide Affect White People? We’re here with a special bonus episode. Starting in May, we are going to be part of a new podcast network called the Race & Wealth Podcast Network. We’re excited to be starting the network with Dedrick Asante-Muhammad, who you may remember from Race & […]

#206: #MeToo movement founder Tarana Burke on financial dignity for sexual assault survivors Apr 29, 2019

Sexual assault has been growing more visible in recent years, but it often doesn’t happen alone. Financial abuse, where one person has control of all the money, is one of the ways an abusive partner keeps control. It can be impossible to leave a situation without money, so today we talked about how financial abuse […]

Replay #175: Socially Responsible Investing with Ian McLeod: How We Can Do More Apr 02, 2019

Investing can be tricky. The hopes of investing is that you will receive more than what you put in. What we learned with Ian McLeod is that where you invest is just as important as what you receive. Sounds too good to be true? Listen to the episode to hear for yourself! Music featured in […]

Replay #157: Survivorship Bias or How to Reverse-Engineer Success on a Budget Mar 19, 2019

If I did it, so can you. That phrase sound familiar? If you just work harder, if you only wanted it more, if only…Survivorship Bias can be dangerous. Hard work is definitely needed to gain success, but it’s not the only factor. By believing in this mentality we are automatically doomed into thinking if we don’t succeed then […]

Replay #108: The Dangers of Lifestyle Creep on Growing Your Wealth Mar 04, 2019

Do you feel like you’re always living paycheck to paycheck, even though your income goes up every year? Do you wonder where you money goes every month? You may be experiencing Lifestyle Creep. We make more money so we can live better lives. The trouble is, sometimes the money controls us more than we control […]

Replay #186: AFCPE pt. 2 Keynotes: Racial Wealth Divide Feb 10, 2019

A discussion with four members of the Closing the Racial and Gender Wealth Gap Panel: Thomas Shapiro is the Director of Institute on Assets and Social Policy and the Pokross Professor of Law and Social Policy at The Heller School for Social Policy and Management at Brandeis University. Melany de la Cruz-Viesca is the Assistant Director […]

Replay #138: Dedrick Asante-Muhammad on how to take action against the racial wealth divide Feb 05, 2019

This week’s Oldie-but-Goodie. Happy Black History Month! If average Black family wealth continues to grow at the same pace it has over the past three decades, it would take Black families 228 years to amass the same amount of wealth White families have today. For the average Latino family, it would take 84 years to […]

Replay #136: Create goals and habits that last beyond the new year Jan 22, 2019

New beginnings always signal a reset in our brains – a new job, new city, new relationship, a birthday, and often, the new year. It’s a time where we reflect on what we wish we did better last year and create resolutions to tell ourselves that this year will be different. But then we start […]

Replay #82: How to crush your income goals in the New Year Jan 10, 2019

Most of the time, we think about what to do with money we already have – either spend less or save more. It’s money we can control, so we focus on this. Failure and success can be easily measured and contained. Thinking about increasing income means you have to leave the results of your efforts […]

Replay #29: So, um, the NFL’s a Non Profit Dec 14, 2018

This week’s Oldie-but-Goodie Tis the season to give back to your favorite non profits, and what better place to give than the… wait? The NFL is a non profit? That’s exactly what we said when we first found out, so we did some research and found ourselves down a non profit rabbit loop hole matrix. […]

Replay #135: Is Christmas gifting worth it? B/W Chaz Kangas Christmas songs! Dec 05, 2018

This week’s Oldie-but-Goodie: The average American spends about $830 on Christmas gifts alone and 30% of us spend over $1,000, yet somehow, we seem to forget every year to plan for this time of year. For our Christmas episode (yes, we aired this in Christmas!), we explore whether the act of giving gifts is actually […]

Replay #205: How brands use boycotts to make you buy in Nov 24, 2018

It’s that time of year again! Our 5th annual boycott/black Friday Brunch & Budget episode (we’ve been doing this a long time y’all)! During the most hyped consumer day/weekend of the year, we want to continue to hold you down on how to keep spending your money in a way that aligns with your values. This year’s […]

Replay #129: How your personality affects your wallet Part 1 Nov 14, 2018

Before you can even get your money stuff together, you need to understand your relationship with money first, and to do that, you’ll need to know what your money personality is and how your personality affects every aspect of your finances. We’ve spent the last two years honing and refining the money personalities we discussed […]

Replay #204: DDJA Vitamin M Box and Supporting Entrepreneurs of Color Nov 07, 2018

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

Replay #139: Being an employee can actually be awesome Oct 31, 2018

Having a job can be great, but it doesn’t mean you can’t do all the other stuff you want. Being a freelancer / entrepreneur is now easier than ever, which means people have figured out how to sell you on the concept. Freelancer is not better than employee—they are just different. Because of this “movement,” […]

Replay #121: What to do if you lose your job Oct 17, 2018

It’s the last thing you want to think about happening, but also can happen at any time. This week, we talk about what do when you lose your job, from severance, unemployment insurance, and health insurance, to how to deal with the emotional rollercoaster, to how to handle the dreaded interview question, “so why did […]

Replay #106: Seize the day or look before you leap? Why we hate to plan Sep 26, 2018

This week’s Oldie-but-Goodie: This show was inspired by a Cracked podcast Dyalekt and I were listening to during our many hours of driving on Famous Sayings (that aren’t true). So many of those sayings were either about taking risks or being really careful, being spontaneous or planning everything. And when we were real with ourselves, […]

#203: When is Homeownership an Investment? with Kathleen Boyd Sep 17, 2018

“Buying a home is an investment.” “Renting is just throwing your money away.” “The property value could double in the next decades.” All of these are go-to phrases for realtors. The property value could also drop to half. Buying a house, or an apartment, is not a guaranteed good move. In some cases, it’s a […]

Replay #117: What to do when your passion starts to feel like your job Sep 03, 2018

This week’s Oldie-but-Goodie: You’ve managed to make your dream come true. You’ve done something that few people can say they’ve done – you’ve figured out how to to make money from your passion. How can any day feel like a work day when you wake up getting to do what you love? And yet, you […]

Replay #164: Heather Jarvis JD in Sallie Mae strikes back! Aug 20, 2018

This week’s Oldie-but-Goodie: Heather Jarvis strikes back! (check the other episode where she focuses on private loans here) Heather Jarvis is back to discuss a topic that never goes out of style: student loans. Most people have them. It seems that college tuition is only rising, which leads us to wonder where all that money goes? […]

#202: All Wheels Up with Alan Chaulet: wheelchair accessible travel Aug 15, 2018

All Wheels Up is a nonprofit dedicated to making air travel accessible to those with wheelchairs. Currently, they need to be lifted out of their wheelchairs–literally lose their legs–and hope that the airline will not damage or even lose their wheelchair. Anyone who has flown knows what a hassle it is to arrive without luggage, […]

Replay #16: Getting By Without a College Degree Aug 07, 2018

This week’s oldie-but-goodie: We all know student loan debt is out of control. The average college student graduated in 2014 with $33,000 in student loans. Student loan debt crossed the $1 trillion in 2012 and just keeps getting bigger. Something has to give. Today, we explore Massive Open Online Courses, or MOOC’s, online learning platforms […]

#201: AAFCI: highlighting and bridging racial knowledge and resource gaps Aug 02, 2018

The African American Financial Capabilities Initiative is sponsored by Prosperity Now’s Racial Wealth Divide Initiative. Their website describes the motivation for and goals of the program: “The Racial Wealth Divide Initiative at Prosperity Now believes the people closest to racial economic inequality are also best positioned to address it. It is estimated that it will take 228 […]

Replay #112: Which order should you pay down your debt? Jul 24, 2018

Everyone has their opinion and formula for what order to pay down debt. Google it and you’ll get a different answer every time. The problem is, no one approaches debt paydown from both the logical and psychological standpoint. This leads to people paying down debt only to run it back up. In today’s show, we […]

#200: Housing, education, finances, and community: the African American Financial Capabilities Initiative Jul 19, 2018

The African American Financial Capabilities Initiative is sponsored by Prosperity Now’s Racial Wealth Divide Initiative. Their website describes the motivation for and goals of the program: “The Racial Wealth Divide Initiative at Prosperity Now believes the people closest to racial economic inequality are also best positioned to address it. It is estimated that it will […]

Replay #126: Why homeownership as a Person of Color is more than an investment, it’s how to build a legacy Jun 26, 2018

This weeks’ oldie but goodie: In Part 3 of our coverage at CFED’s Assets Learning Conference 2016, we explore one of the quickest ways to close the racial wealth gap – increased homeownership for People of Color. Funny story, we almost did a show on race and homeownership right before we found out about the […]

#199: Is Tulsa Real Estate Fund a Scam or Nah? with Courtney Richardson Jun 18, 2018

The Tulsa Real Estate Fund is a crowdfunding company which marketed itself as fighting gentrification by ‘buying back the block.’ Usually companies have some sort of start, with a verifiable track record before they move to gathering investors. For Tulsa, this was the first step, and they have even edited their mission so they focus […]

Replay #68: Should you rent or should you buy? Jun 12, 2018

It’s probably the question I get most asked by clients – should I buy a house or keep renting? In this week’s show, we discuss the history of home buying in the United States, how and why it’s become part of the American Dream, and the industries and parts of the economy that rely on […]

#198: How to Build and Protect Your Wealth pt. 2 PROTECT Jun 07, 2018

This first part of a two part episode focuses on how to protect your wealth. This means insurance and wills, or transfer of assets. You need health insurance (the #1 cause of bankruptcy is medical bills), and disability insurance (in case you can’t work for a long period of time) and life insurance (to protect […]

Replay #113: All the parts that suck about running a business May 22, 2018

Oldie-but-Goodie: Don’t get us wrong. We wouldn’t have it any other way. But there are just some things (lots of things) about running a business that just really suck. From no one caring about your business, to crippling self doubt, to realizing you have to be a salesperson, to comparing yourself to others, it can […]

#197: How to build and protect your wealth pt. 1: BUILD May 14, 2018

This first part of a two part episode focuses on how to build your wealth. The three main ways are: the stock market, real estate, and entrepreneurship. Over the long term, both stocks and real estate will usually reliably appreciate. Real estate is a more serious investment because you cannot easily get your money back […]

Replay #60: Take Your Brand to the Next Level May 07, 2018

This week’s Oldie-but-Goodie (no longer live): ON AIR SPECIAL! Lilit does a live critique of Brunch & Budget’s website. If you want your website critiqued live on a future show, email me at pam@brunchandbudget.com. Lilit Kalachyan-Nurse has a thing or two to say about how to brand and market your business. A small business owner […]

#196: DDJA Black Accessory Designer Alliance: creating a network for minority designers May 01, 2018

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

Replay #97: It’s financial literacy month! So… how do you know if you’re financially literate? Apr 25, 2018

Oldie-but-Goodie! I feel like people toss around the phrase financial literacy and everyone nods along and says, “Oh yeah, I need that.” But what exactly is THAT? How do you know whether or not you’re financially literate in the first place? Do you take a quiz? And if so, which quiz do you take? Is […]

#195: Building wealth for African Americans in the Pacific Northwest w/ Cat Goughnour of Prosperity Now Apr 20, 2018

Cat Goughnour is the Senior Program Manager at Prosperity Now. She runs the African American Financial Capability Initiative, working to build innovative pilots to increase financial stability and bridge racial wealth gaps in five states in the Northwest. In addition to being a certified Community Health Worker, racial justice facilitator, published researcher and staunch advocate […]

Replay #94: How to make tax season easier for you NEXT year Apr 15, 2018

Listen to Oldie-but-Goodie episode 94 below. We are right in the middle of tax season and many of us find ourselves in the same place we do every year – scrambling on April 14th, trying to get all our numbers to our accountant who can’t make any promises that it will go through in time. […]

#194: Who really bankrupted Toys R Us & how small businesses can fill the gap Apr 13, 2018

Six months ago, after 69 years in business, Toys R Us filed for bankruptcy. Two days ago, it announced that all 800 of its American stores, and all 100 of its British ones, are closing or being sold. As many as 33,000 workers could lose their jobs. As recently as last year, the company still accounted […]

Replay #101: Investing for Dummylekt Part 1 Mar 29, 2018

Check out this week’s Oldie-but-Goodie episode! For the last several months, we’ve been using Dyalekt as a guinea pig for different investment platforms to see how they feel when you use them in real life. We explore Dyalekt’s trepidation with the stock market in general, how to make it feel less like gambling, and have […]

#193: Prosperity Now: North Lawndale Employment Network (NLEN) Mar 15, 2018

Welcome to Prosperity Now, a series interviewing non profit organizations who are part of Building High Impact Non-Profits of Color. This consistent stuff doesn’t make the news, but it’s a thing that makes a community. In this episode we interviewed Brenda Palms Barber, Executive Director of the North Lawndale Employment Network and Founding CEO of Sweet […]

#192: eSusu: the Lending Circle App: community based saving and lending Mar 07, 2018

Many cultures in Africa, South America and Asia have community lending systems: people group together with others they trust, each member contributes some money, and then each person has a turn to use that money to pay for larger things, like pay for school or even a house. eSusu is an app version of this […]

#191: DDJA Lesly Simmons on event planning and knowing your worth Feb 25, 2018

Lesly SimmonsLesly Simmons”I’m thinking of getting into event planning.” A lot of people say it, but what does it really take? How do you decide what kinds of events to plan: weddings, holiday parties, conferences, the list goes on with some more specialized than others. Whatever you choose, it takes a lot of dedication and […]

#190: What Net Neutrality is and why you should care Feb 20, 2018

Net Neutrality has recently been repealed on the federal level, and several states and organizations are fighting to keep it in place, but what is it? Sarah Aoun, data activist, operational security trainer, and Ford-Mozilla Open Web Fellow, and Bex Hong Hurwitz, maker of technology for social justice, and co-founder of Research Action Design which […]

#189: Gina Noy explains the new tax plan, and how taxes are different if you’re a freelancer Feb 12, 2018

It’s ‘easy’ to leave taxes for the end of the year (or the beginning of next year) but as a freelancer it may leave you scrambling for funds you already used. Gina Noy, CPA and founder of Noy Taxes, advises that you pay monthly to avoid end of the year nightmares for yourself and your […]

#188: Prosperity Now Greater Auburn Gresham Development Corp. Jan 28, 2018

Welcome to Prosperity Now, a series interviewing non profit organizations who are part of Building High Impact Non-Profits of Color. In this episode we interviewed Carlos Nelson and Norma Sanders about Greater Auburn Gresham Development Corp. where they work to foster and promote revitalization of the low-to-moderate income communities that they serve in the South Side of Chicago, […]

#187: Social Commentator Rants N Bants #DDJA Jan 21, 2018

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

#186: AFCPE pt. 2 Keynotes: Racial Wealth Divide Jan 18, 2018

A discussion with four members of the Closing the Racial and Gender Wealth Gap Panel: Thomas Shapiro is the Director of Institute on Assets and Social Policy and the Pokross Professor of Law and Social Policy at The Heller School for Social Policy and Management at Brandeis University. Melany de la Cruz-Viesca is the Assistant Director […]

#185: AFCPE Keynotes pt.1 Behavioral Finance & Financial Coaching Jan 18, 2018

Three Keynotes from the AFCPE share their expertise: Kristen Berman, Common Cents Lab, Irrational Labs, studies behavioral economics and behavioral finance, which is basically how people actually act in the marketplace, as opposed to how they should or would perform if they were completely rational. To a large extent, social cues and our own fears and […]

#184: AFCPE Summer Red in Da Art of Storytelling Dec 29, 2017

Summer Red, Rural Dynamics, Inc., Financial Literacy Program Manager, has been teaching financial education for over five years, with a focus on creating innovative and interactive curricula. She spoke about her favorite savings and credit-building strategies (revolving savings account, snowball savings and credit builder loans), as well as how she motivates and keeps students interested […]

#183: Prosperity Now Gads Hill: Teach Children and Parents Mental Health Habits Dec 17, 2017

Prosperity Now in Gads Hill is a Chicago organization devoted to helping immigrant families establish roots. Maricela Garcia and Rosa Julia Garcia Rivera talk about their programs which support working families in fostering their children’s education, as well as their mental health. The recognize that, while all emigrate for a better life, many who are […]

#182: Karen Okonkwo, co-founder of Tonl, on the importance of including POC in stock photography #DDJA Dec 10, 2017

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

#181: Instead of boycotting things you hate, BUYcott things you love! Dec 05, 2017

This is our fourth annual boycott episode and this year, we want to ask you to spend your energy and money on buying things from places you love instead of convincing everyone to boycott things you “hate.” It’s easy to react negatively to the latest scandal, and just as quickly move on to the next […]

#180: Equifax Equifiction Equif*ckry: What you can do to protect your credit after the Equifax Breach Nov 27, 2017

Equifax is one of the three large credit reporting agencies, and in July they had a security breach in which the data of 145 million adult Americans was stolen (they notified the public on September 7th). There are no laws in place to prevent this, and so far no real consequences have been enacted against […]

#179: All of your questions about the ACA/Healthcare answered! Nov 08, 2017

Today’s topic is Health Insurance. This has been a hot topic for the past eight years, and, so far, it’s not going anywhere. The Trump administration, though failed to repeal the ACA, has managed to change a few details, some of which you may not have noticed. We approached this topic with all of you […]

#178: Prosperity Now Scorecard Breakdown: What it is and What it means for our Future Nov 02, 2017

The annual Prosperity Now scorecard is out now. First introduced in 2002 but annually released since 2012. This is an intricate and detailed scorecard which looks at a whole slew of measures in each state about how households are doing financially, as well as how well states are promoting the financial well-being of their residents. […]

#177: Michelle Beck, founder of An Actor Tapes, on what it’s like to be a POC in the Acting World #DDJA Oct 24, 2017

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own business and it’s even harder when it feels like you have to explain to your family what you do every time […]

#176: Ashé Cultural Arts Center: How to use art and culture to support human, community and economic development. [#ProsperityNow] Oct 17, 2017

Located in the New Orleans area, the Ashé Cultural Center is a non-profit organization, which uses art and culture to serve its community. We spoke with Carol Bebelle (Co-Founder/Exec Director) and Jo Ann Minor (Associate Director of Administration), where we learned the importance of events and engaged in a discussion on the power of an […]

#175: Socially Responsible Investing with Ian McLeod: How We Can Do More Oct 07, 2017

Investing can be tricky. The hopes of investing is that you will receive more than what you put in. What we learned with Ian McLeod is that where you invest is just as important as what you receive. Sounds too good to be true? Listen to the episode to hear for yourself! Music featured in […]

#174: The Real Secrets to a Successful Crowdfunding Campaign Sep 26, 2017

Crowdfunding is super popular nowadays. If you’re not too familiar with it, that’s okay. This is the basic concept: You have an idea for a product or creative project you want to get off the ground and in exchange for prizes at various levels, donors will give you money to launch the project. There are […]

#173: The Road to Zero Wealth with Dedrick Asante-Muhammad Sep 19, 2017

If the racial wealth divide is left unaddressed and is not exacerbated further over the next eight years, median Black household wealth is on a path to hit zero by 2053. What will you do with this information? Listen here: This is a follow-up to the Ever-Growing Gap Report: The Road to Zero Wealth with […]

#172: Prosperity Now: Empowering a New Generation of Americans with Hispanic Unity Sep 15, 2017

Hispanics now make up almost 1 in 4 Floridians. The majority of Floridian Hispanics live in Miami-Dade and Broward county. There are 37.6 million people who speak Spanish at home, and more than half of these individuals speak English very well. What Hispanic Unity offers immigrants are the tools necessary to cement their lives in […]

#171: You can’t talk about economics without talking about race (LIVE from the 4th Annual Audio Festival) Sep 06, 2017

We packed a whole lot of goodies in this hour special. We caught up with Tasty Keish from last year’s #DDJA interview to see where she is now after deciding to work as a full-time freelancer. We also discuss and divulge into a new Investment Appetizer and Poor Tax before our feature topic: The harsh […]

#170: DDJA Castell J Barnes on the business of motivational speaking Aug 29, 2017

Let’s cut through the bullshit. We were skeptical of people who call themselves motivational speakers. A lot of people who become motivational speakers were in another industry that involved presentation or performing and found they weren’t making enough money or gaining enough traction so they switched to “motivational speaking.” So for this month’s Dead Day […]

#169: Prosperity Now: MQVN, the Forgotten New Orleans Aug 22, 2017

As an immigrant, how do you successfully establish yourself? What obstacles do immigrants or refugees have to overcome in order to build a new life? Today we spoke with the Executive Director of MQVN. Their mission is to preserve and promote our unique diversity, and improve the quality of life of residents in the Greater […]

#168: Building Habits to Overcome Fears about Money Aug 15, 2017

I am not a psychologist, but I have seen a lot of clients’ common fears when it comes to their money: – I’ve ruined everything with one mistake/one setback/one regret – I’ve been fucking it up this whole time – I don’t know how to get out of the situation I’ve found myself in – […]

#167: What to do When Debt Goes into Collections Aug 08, 2017

How do you handle your accounts in collections? When a creditor can’t get you to pay, they sell the debt to a collections agency. By the time the debt is sold, your original creditor will not speak with you about it, it’s out of their hands, and from there the situation becomes complicated. Medical bills […]

#166: DDJA Kisha Velazquez of Junior Baby Hatter Aug 01, 2017

This week we have a special DDJA interview with Markisha Velazquez, founder of Junior Baby Hatter, Tiny Caps for Tiny Chaps. Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. It’s not easy to start your own […]

#165: Prosperity Now—How Sant La Strengthens and Stabilizes South Florida’s Haitian Community Jul 25, 2017

Prosperity Now, once known as CFED, and, if you’ve been following our show for some time, you’ll remember members such as Dedrick Asante Muhammad and Maria Coto in past episodes. Through Prosperity Now we have been able to engage with organizations established and led by People of Color, which is something we really value here […]

#164: Heather Jarvis JD in Sallie Mae strikes back! Jul 21, 2017

Heather Jarvis strikes back! (check the other episode where she focuses on private loans here) Heather Jarvis is back to discuss a topic that never goes out of style: student loans. Most people have them. It seems that college tuition is only rising, which leads us to wonder where all that money goes? Who do “merit-based […]

#163: How to protect your assets as an immigrant with Mohan Kanungo of MAF Jul 11, 2017

In order to make money, one has to spend money. You’ve heard of that saying before. The whole “work hard, play hard” concept. But what happens if your entire family is working hard and don’t see any financial progress? Why is it not working? This is common and an, often, ignored cycle happening in the […]

#162: DDJA Chris Kim, founder of Monk’s Meats, on balancing a Diet, Business, and Activism Jul 04, 2017

Happy Independence Day, America! What is more American than a new Brunch & Budget episode? Food is definitely one thing that connects us all together, so it only makes sense that we share our interview with Chris Kim, the founder of the “vegan butcher shop” Monk’s Meats. Starting from his apartment’s kitchen, to selling out […]

#161: How to quit your job & go full time freelance, Part 2 Jun 27, 2017

It’s becoming easier than ever to start your own business and work for yourself. About 1 in 3 Americans is currently a freelancer or a small business owner. By 2020, the number of freelancers is estimated to grow to 40%! But the idea of giving up a steady paycheck, retirement benefits, and health insurance can […]

#160: CFED: Maria Coto of PSE on the real work it takes to start a business Jun 20, 2017

This week’s show is part of our CFED series. We interview organizations who are actively working to close the racial wealth divide in innovative, exciting, and effective ways. This episode we had Maria Coto of Partners for Self-Employment (PSE), an organization that promotes financial well-being of low to moderate income individuals and families in South […]

#159: RAD doxes Dyalekt (and how to make sure you don’t get doxed) Jun 14, 2017

Remember Bex and Sarah from RAD? (in case you don’t, check this episode out: bnb150) We brought them back to explore what they know best: doxing. Doxing is—according to the internet—searching for and publishing private or identifying information about (a particular individual) on the Internet, typically with malicious intent. Bex and Sarah get into the […]

#158: How to quit your job and go to full time freelance, Part 1 Jun 09, 2017

It’s becoming easier than ever to start your own business and work for yourself. About 1 in 3 Americans is currently a freelancer or a small business owner. By 2020, the number of freelancers is estimated to grow to 40%! But the idea of giving up a steady paycheck, retirement benefits, and health insurance can […]

#157: Survivorship Bias or How to Reverse-Engineer Success on a Budget May 30, 2017

If I did it, so can you. That phrase sound familiar? If you just work harder, if you only wanted it more, if only… Survivorship Bias can be dangerous. Hard work is definitely needed to gain success, but it’s not the only factor. By believing in this mentality we are automatically doomed into thinking if we don’t […]

#156: Avocado Toast and 20 other things you don’t have to give up May 25, 2017

We’ve heard it all before: Millennials and their —insert trendy item here— Whether it’s persistent judgment from older generations or a few hypocritical criticisms from other millennials (I’m calling you out Tomi Lahren), there is always something to be said of this generation. We decided to focus this episode on millennials and their financial decisions […]

#155: CFED cohorts Chinese Mutual Aid Association May 18, 2017

We took the show on the road to Chi-Town, where we got to speak with Margaret Smith, the Youth Program Manager, and Dennis Mondero, the Executive Director, of the Chinese Mutual Aid Association. The CMAA serves low-income immigrants, refugees, people from all socioeconomic and ethnic backgrounds, all generations from youth to seniors, and people of […]

#154: How the AHCA will affect your wallet May 10, 2017

Trumpcare, the inevitable topic that we all need to discuss. What are the benefits, if any, and how will this bill ultimately affect each and every one of us, especially communities of color? Under Trumpcare, states would be able to opt out of or redefine “essential coverage.” What does that mean for us, for insurers, […]

#153: The Cost of Convenience May 10, 2017

We see convenience not only as a nicety but an expectation, an entitlement. Has paying for convenience been taken too far? (Amazon, food delivery, Uber/Lyft, dry cleaning, resume writing, etc.,) Our love of convenience is so ingrained, its inherent goodness so self-evident that we can’t imagine any other way. Why would anyone, other than a […]

#152: Bomopregha Julius on why you need an estate plan to end generational poverty May 03, 2017

What happens after we die? Estate planning, Trusts, Wills—these are things we associate with the wealthy, but do matter even after we’re gone. For this episode, we were able to talk to Bomopregha Julius, an [amazing] estate attorney, on the importance of planning even if you don’t think you have much to your name. Estate […]

#151: CFED Spanish Coalition for Housing Apr 21, 2017

Joseph Lopez, Development Manager and Gabriela Roman, Executive Director join us today to talk about the organization: Spanish Coalition for Housing (SCH). Through our partnership with CFED and the Dedrick Asante-Muhammad, director of the Racial Wealth Divide Initiative, we interview organizations who are actively working to close the racial wealth divide in innovative, exciting, and […]

#150: How to protect your digital financial footprint Apr 20, 2017

We’re back with new episodes for spring! To start us off this week we had a conversation with Bex Hurwitz and Sarah Auon of Research Action Design (RAD) about how to protect your digital financial footprint. What does that mean? Well, it goes beyond deleting your browser history. What RAD does is use community-led research, […]

#149: Matt Becker on how to prepare financially for having a kid Apr 18, 2017

Should you have a kid? I know, tough question. I think one of the biggest worries hopeful parents have is whether they will be able to financially support a child. Children are expensive, but we’re here to offer some advice for future parents or current parents, or even for young adults who hope to one […]

#148: #DeadDayJobArmy Safety Pin Box’s Co-Founder Leslie Mac Mar 27, 2017

Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and Instagram highlights at the door and tell us what it’s really like to do the work, put in the […]

#147: Former IRS Auditor, Arielle Bryant, answers all the questions you have about taxes Mar 19, 2017

Audits. You’re scared of them. We’re scared of them. But what exactly is an audit? How do we prepare for something many people avoid discussing? This week’s guest, Arielle Bryant worked for the IRS as an auditor for five years until transitioning into nonprofit, first at Start Small Think Big. Currently, she is based in […]

#146: How MEDA helps minority entrepreneurs build wildly successful companies Mar 14, 2017

(Happy Pi Day everyone!) We have a special episode for you this week. We sat down with President and CEO of MEDA, Gary Cunningham and Dedrick Asante-Muhammad of the CFED to talk more about equal entrepreneur opportunities for people of color. Meda provides business consulting, access to capital, and market opportunities for minority entrepreneurs. In […]

#145: How to ask for a raise and get it (Rebroadcast) Mar 07, 2017

By popular demand we’re bringing back this episode, first aired on April 5, 2015. Whether you’re a first time listener, or not, this may be what you need to hear at this point of your life. We spend a lot of time thinking and talking about how to cut back on expenses, spend less, and […]

#144: How to talk to your parents about money Feb 27, 2017

There are certain conversations that are always going to be uncomfortable with your parents. One is about money. Sometimes parents don’t want to feel a burden on their kid, so they may be reluctant on sharing any financial problems. So how do you start that conversation? Holidays seem like a good time, but don’t avoid […]

#143: You and your honey’s money personalities Feb 20, 2017

Money is the #1 reason for divorce, and often, it is the main thing couples fight about. Remember money personalities? (Here’s the link in case you need a refresher: brunchandbudget.com/personality) Whether you’re a Worrier, Amasser, Avoider, or a Money Monk this episode focuses on you and your significant other’s money personalities and how to smooth […]

#142: The Urban Alliance: Transforming the school-to-prison pipeline into the school-to-opportunity pipeline Feb 13, 2017

Urban Alliance serves economically disadvantaged students on the verge of graduating high school, but are at high risk of not connecting to further education or meaningful work. We spoke with Stephanie Amponsah, the Executive Director of Urban Alliance in the Baltimore region, and Dedrick Asante-Muhammad (we interviewed him in episode 138), about the Urban Alliance’s […]

#141: How the recent executive orders will affect your wallet Feb 06, 2017

With everything that’s been happening lately, it’s hard to keep track of— and fully understand— every executive order shooting out of the White House. Trump is clearly starting to work on dismantling a lot of consumer protections that the Obama administration put in place. What can you do? Well, there’s a lot! We’ll discuss what […]

#140: #DeadDayJobArmy – James Freeman on how opening a restaurant is like creating an album Jan 29, 2017

Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and Instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote […]

#139: Being an employee can actually be awesome Jan 22, 2017

Having a job can be great, but it doesn’t mean you can’t do all the other stuff you want. Being a freelancer / entrepreneur is now easier than ever, which means people have figured out how to sell you on the concept. Freelancer is not better than employee—they are just different. Because of this “movement,” […]

#138: Dedrick Asante-Muhammad on how to take action against the racial wealth divide Jan 16, 2017

If average Black family wealth continues to grow at the same pace it has over the past three decades, it would take Black families 228 years to amass the same amount of wealth White families have today. For the average Latino family, it would take 84 years to amass the same amount of wealth White […]

#137: How to start saving for the holidays in January Jan 10, 2017

We know, we know, no one wants to think about this after going through it, but every year it sneaks up on us. So let’s plan for it now! Imagine not feelings stressed about the holidays when Thanksgiving hits and having all the savings you need to buy presents, travel, and have all the holiday […]

#136: Create goals and habits that last beyond the new year Jan 03, 2017

New beginnings always signal a reset in our brains – a new job, new city, new relationship, a birthday, and often, the new year. It’s a time where we reflect on what we wish we did better last year and create resolutions to tell ourselves that this year will be different. But then we start […]

#135: Is Christmas gifting worth it? B/W Chaz Kangas Christmas songs! Dec 26, 2016

The average American spends about $830 on Christmas gifts alone and 30% of us spend over $1,000, yet somehow, we seem to forget every year to plan for this time of year. For our Christmas episode (yes, we aired this in Christmas!), we explore whether the act of giving gifts is actually worth it, from […]

#134: How to get health insurance in 2017 (we know, we know, ugh) Dec 19, 2016

It’s that time of year! Time to get health insurance, yaaaaaay. Our annual health insurance episode, so you get the latest lowdown on the rates and what to really look out for when it comes to deductibles, premiums, and how to choose the right plan. Also, check out our investment appetizer on how to know […]

#133: How to invest in real estate without having to buy a house (Fundrise explains REIT’s) Dec 14, 2016

Is there a way to invest in real estate without having to buy a house? On this week’s show, we invited Kendall Davis, who manages Investments at Fundrise, a Real Estate Investment Trust (REIT) company, to discuss the benefits, potential rewards, and main risks to consider when investing in a REIT so you can decide […]

#132: #DeadDayJobArmy ‘Niles’ on how to reinvent yourself in the midst of failure and depression Dec 09, 2016

Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote […]

#131: Do economic boycotts actually work? Nov 30, 2016

In light of the election results, tons of boycotts have sprung up around the country on both sides, with folks being urged to stop spending at companies that support Trump and others being urged to boycott companies and organizations that denounce him. Other economic boycotts tend to spring up when companies take a moral stance […]

#130: How your personality affects your wallet, Part 2 Nov 21, 2016

Before you can even get your money stuff together, you need to understand your relationship with money, and to do that, you’ll need to know what your money personality is and how your personality affects every aspect of your finances. We’ve spent the last two years honing and refining the money personalities we discussed all […]

#129: How your personality affects your wallet Part 1 Nov 21, 2016

Before you can even get your money stuff together, you need to understand your relationship with money first, and to do that, you’ll need to know what your money personality is and how your personality affects every aspect of your finances. We’ve spent the last two years honing and refining the money personalities we discussed […]

#128: #DeadDayJobArmy Lauryn Williams on being a financial planner of Color in a profession that is 96% white Nov 07, 2016

Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote […]

#127: How Entrepreneurs of Color can close the racial wealth gap Nov 01, 2016

As we continue our coverage of CFED’s 2016 Assets Learning Conference, we go deep on another critical topic for People of Color and closing the racial wealth gap. Entrepreneurship is another form of ownership and a way to build wealth in the US. While certainly more risky than homeownership in some ways, it is also […]

#126: Why homeownership as a Person of Color is more than an investment, it’s how to build a legacy Oct 26, 2016

In Part 3 of our coverage at CFED’s Assets Learning Conference 2016, we explore one of the quickest ways to close the racial wealth gap – increased homeownership for People of Color. Funny story, we almost did a show on race and homeownership right before we found out about the Assets Learning Conference and as […]

#125: Solutions for closing the racial wealth gap – Part 2 of our Assets Learning Conference report Oct 17, 2016

In part 2 of our coverage of the CFED’s Assets Learning conference, we talk about some of the solutions that are in motion or being proposed by the CFED to make strides on closing the racial wealth gap, from savings programs, college savings, homeownership, tax law changes, retirement programs, etc. Take a listen and see […]

#124: How to close the racial wealth gap – Special Report from CFED’s Assets Learning Conference Oct 12, 2016

Dyalekt and I had the honor of attending CFED’s Assets Learning Conference this year, where a group of policy makers, researchers, and non profit direct service providers come together and share their best ideas and best practices on how to lift people out of poverty. This year, the theme of the conference was how to […]

#123: #DeadDayJobArmy TastyKeish on being a 1st Gen immigrant and creative entrepreneur Oct 03, 2016

This is it, y’all. Welcome to the Dead Day Job Army, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and instagram highlights at the door and tell us what it’s really like to do the […]

#122: Student Loan Expert, Heather Jarvis, Esq. demystifies your student loans Sep 27, 2016

We could not be more excited to have student loan expert, Heather Jarvis of AskHeatherJarvis.com on our show!! After taking her 8-hour student loan intensive a few days before we recorded this show, I knew we had to have her on to help you navigate through the confusing world of your student loan debt. We […]

#121: What to do if you lose your job Sep 20, 2016

It’s the last thing you want to think about happening, but also can happen at any time. This week, we talk about what do when you lose your job, from severance, unemployment insurance, and health insurance, to how to deal with the emotional rollercoaster, to how to handle the dreaded interview question, “so why did […]

#120: Is this the beginning of the end of private prisons? Sep 12, 2016

We have Stephanie Damon-Moore back on the show (author of AbolishPrisons.org) to talk about the exciting Department of Justice announcement that they will begin winding down their use of private prison companies to run their federal prisons. While there is nothing set in stone, this is hugely symbolic for the movement to dismantle the prison […]

#119: How b-corps are changing the way business is done Sep 04, 2016

The rise of b-corps and benefit corporations can’t be ignored. In the last 18 months, b-corp registration has gone from 1,000 businesses to 1,800 businesses worldwide. What exactly is a b-corp? For all us socially conscious folks out there, the b-corp is the antidote to the race-to-the-bottom, anything-for-profit corporations who cut corners on products, employees, […]

#118: Why no one wants to host the Olympics anymore Sep 04, 2016

In recent memory, the Olympic Games coverage seemed to be filled with as much controversy as gold medals, from the corruption-laden Soche Winter Olympics to the most recent summer Olympics in Rio. Articles cropped up everywhere about the economic viability of hosting an Olympic Games and upending a city for two weeks. Are the Olympics […]

#117: What to do when your passion starts to feel like your job Aug 25, 2016

You’ve managed to make your dream come true. You’ve done something that few people can say they’ve done – you’ve figured out how to to make money from your passion. How can any day feel like a work day when you wake up getting to do what you love? And yet, you may find yourself […]

#116: How to use platform businesses to grow your business Aug 24, 2016

Platform businesses are all about bridging the gap between consumer and producer. They’re the middlemen (or middlewomen). Uber/Lyft, Airbnb, Etsy, Ebay, even Spreaker where we upload our show, are all platform businesses. What does it take to create a good platform business? What can you expect a platform business to provide for you, in terms […]

#115: What does it really mean to invest in yourself? Aug 09, 2016

“You don’t need to call something an investment just because you want to buy it. It’s okay to buy something because it’s something you value.” We hear it all the time. “Think of it as an investment in yourself.” But what does that really mean? When you hear someone else tell you that, are they […]

#114: Would legalizing crime for one day lead to a better economy? Aug 03, 2016

If you legalized all crime for one day, or really one night, would it lead to a better economy? This is the premise of The Purge trilogy of movies, the most recent of which came out this July 2016. The movie’s antagonists claim that the economy is booming and unemployment is at 1%. On today’s […]

#113: All the parts that suck about running a business Jul 26, 2016

Don’t get us wrong. We wouldn’t have it any other way. But there are just some things (lots of things) about running a business that just really suck. From no one caring about your business, to crippling self doubt, to realizing you have to be a salesperson, to comparing yourself to others, it can all […]

#112: Which order should you pay down your debt? Jul 26, 2016

Everyone has their opinion and formula for what order to pay down debt. Google it and you’ll get a different answer every time. The problem is, no one approaches debt paydown from both the logical and psychological standpoint. This leads to people paying down debt only to run it back up. In today’s show, we […]

#111: Who Profits from Racism? Jul 11, 2016

This was a very difficult Brunch & Budget on Bondfire Radio to do. I’m sure you can hear it in my voice. What you don’t see is me freaking out after every segment and Dyalekt having to calm me down. I am so emotionally distraught by all the shootings last week and I can’t even […]

#110: Is the Summer Blockbuster dead or just being shipped to China? Jul 07, 2016

The summer blockbuster may be dying… or being exported. The summer blockbuster has been around since Jaws smashed box offices in the 70’s, closely followed by another film you may have heard of, Star Wars. Since it began, filmmakers and critics have been predicting the end of the summer blockbuster, but lately, it’s feeling all […]

#109: What is Brexit and how will it affect you? Jul 01, 2016

The European Union – often known as the EU – is an economic and political partnership involving 28 European countries. It began after World War Two to foster economic co-operation, with the idea that countries which trade together are more likely to avoid going to war with each other. It started with 6 members, and […]

#108: The Dangers of Lifestyle Creep on Growing Your Wealth Jun 24, 2016

Do you feel like you’re always living paycheck to paycheck, even though your income goes up every year? Do you wonder where you money goes every month? You may be experiencing Lifestyle Creep. We make more money so we can live better lives. The trouble is, sometimes the money controls us more than we control […]

#107: Is travel the new status symbol? Jun 18, 2016

Is travel the new way to show off these days? Before it was an expensive purse or coat, a piece of jewelry, a nice car, the hot new electronic, but now, with social media, it feels like people are showing off in a different way – through experiences. The ability to travel and travel often […]

#106: Seize the day or look before you leap? Why we hate to plan Jun 07, 2016

This show was inspired by a Cracked podcast Dyalekt and I were listening to during our many hours of driving on Famous Sayings (that aren’t true). So many of those sayings were either about taking risks or being really careful, being spontaneous or planning everything. And when we were real with ourselves, we realized that […]

#105: How to Budget Your Way to Financial Independence May 29, 2016

Here’s the big secret – budgeting doesn’t work! At least not in the way we were taught it was supposed to work. When people hear the word budget, they think of it as a restriction, as being limited or denying themselves something. In this weeks’s show, we welcome you to think of it a different […]

#104: What is peer to peer lending? May 29, 2016

Peer to Peer (or p2p) lending is a site that has sprung up since the meltdown. Banks are much more careful about who they give loans to, but people still need them. On one side, there are lenders looking to make more money than they would be able to in stocks, and on the other […]

#103: The Uber & Lyft Paradox May 21, 2016

Uber and Lyft just left Austin because they don’t want their drivers to be subjected to fingerprinting. Some call it a safety issue, while others see it as another way to deny the formerly incarcerated legal work. Regardless of who’s side you’re on, jobs in the area have evaporated instantly because big companies have decided […]

#102: Investing for Dummylekt, Part 2 May 08, 2016

For the last several months, we’ve been using Dramatic Dyalekt as a guinea pig for different investment platforms to see how they feel when you use them in real life. We explore Dyalekt’s trepidation with the stock market in general, how to make it feel less like gambling, and have some practical ideas for how […]

#101: Investing for Dummylekt Part 1 May 05, 2016

For the last several months, we’ve been using Dyalekt as a guinea pig for different investment platforms to see how they feel when you use them in real life. We explore Dyalekt’s trepidation with the stock market in general, how to make it feel less like gambling, and have some practical ideas for how to […]

#100: Poverty Lines: What it’s really like to be poor in America Apr 25, 2016

We did it. We are aired our 100th Bondfire Radio episode. We recorded it at our Airbnb in CA. It felt like it went by so fast. For the last 100 weeks of our lives, we created something and put it out into the world, never fail. Hopefully we educated and entertained people in the […]

#99: How running out of willpower and decision fatigue affect your finances Apr 17, 2016

This show was inspired by our financial planner, Sophia Bera, who we met with recently. She stopped us in the middle of our word vomit and said, “I think you guys have decision fatigue.” We were running on empty with all the work we were booking, planning a cross country trip to CA, and, oh […]

#98: How to talk to your kids about money, forreal forreal Apr 17, 2016

True stat – parents are more afraid to talk to their kids about money than they are to talk to them about sex or drugs. At the same time, we have all picked up money habits, lessons, and philosophies from our parents and other influential adults around us and our kids are doing the same. […]

#97: It’s financial literacy month! So… how do you know if you’re financially literate? Apr 04, 2016

I feel like people toss around the phrase financial literacy and everyone nods along and says, “Oh yeah, I need that.” But what exactly is THAT? How do you know whether or not you’re financially literate in the first place? Do you take a quiz? And if so, which quiz do you take? Is the […]

#96: Should you file for bankruptcy? Mar 28, 2016

What comes to mind when you hear the word bankruptcy? Are you shocked when celebrities file for it time and again? Have you considered it at some point when your debt felt too high to handle? Have you gone through it and feel ashamed to talk about it? Today we talk about the in’s and […]

#95: The Morbid Money Question Hour Mar 22, 2016

Have you ever wondered: How do medical bills of significant other impact your finances What are tax implications of money won in a lawsuit? What happens to my student loan debt if I die? What happens to my credit card debt if I die? What happens to my pets if I die? What happens to […]

#94: How to make tax season easier for you NEXT year Mar 14, 2016

We are right in the middle of tax season and many of us find ourselves in the same place we do every year – scrambling on April 14th, trying to get all our numbers to our accountant who can’t make any promises that it will go through in time. What about if next year was […]

#93: The govt is requiring advisors to have your best interests in mind, and people are mad about it: The New Fiduciary Rule Mar 11, 2016

Today on Brunch & Budget on Bondfire Radio, Dyalekt and I going to talk about something I feel very strongly about, something I’m appalled has actually caused controversy. We talk a lot on the show about how important it is to make sure your advisor has committed to being your fiduciary, which basically means they […]

#92: How to talk to your honey about money, Part 2 Mar 05, 2016

Dyalekt and I had SO much to talk about on Valentine’s Day that we decided to do a second show on how to talk to you significant other about money. This show is all about getting down to the details, the nitty gritty. Exactly HOW should you set up your bank accounts? Should you get […]

#91: Founder of Morgan’s Don’t Run Out, Morgan Hirsch Back on the Show! Feb 22, 2016

Last March, 2015 we Morgan Hirsch on the show, right when his idea for a subscription service for bathroom essentials was just taking off from idea to creation stage. We invited him back on the show less than a year later to talk about his recent launch! We get an inside look on what it […]

#90: How to talk to your honey about money Feb 16, 2016

Forget the roses and the candy. If you want to make sure your relationship lasts past this Valentine’s Day, how do start to talk to your significant other about your finances, or, even scarier, their finances? We’ve all heard the stats – money is the #1 cause of divorce in this country – and at […]

#89: Suz, the Rock/Star Advocate w/ EXTENDED LIVE consultation Feb 10, 2016

For all the artists out there who feel like they’ve ever been taken advantage of or don’t know where to start when it comes to turning their art into their business, you need Suz on your side! She drops all the knowledge this week and helps you navigate the biggest pain points for musicians and […]

#88: The 5-Week Financial Plan: Estate Planning + Putting it all together! Feb 02, 2016

For all of January, we will be going in depth on the guts of your financial plan. This week, we will talk about estate planning (yes, you have one!). This includes when you need to set up a will, why you need to set up a health care proxy no matter what your age and […]

#87: The 5-Week Financial Plan: When do you actually NEED insurance? Jan 24, 2016

For all of January, we will be going in depth on the guts of your financial plan. This week, we will be talking about insurance. Yaaaay. The insurance industry is very convoluted and not transparent. The way insurance is sold to people is often seen as predatory. Also, what a weird concept right? Pay someone […]

#86: 5-Week Financial Plan: Saving & Investing Jan 18, 2016

For all of January, we will be going in depth on the guts of your financial plan. This week, we will be talking about saving and investing. We answer questions like: Are there any tricks to help you save more and save often? How much money should you have saved, anyway? What is the best […]

#85: 5-Week Financial Plan: Spending & Debt Jan 11, 2016

For all of January, we will be going in depth on the guts of your financial plan. This week, we will be talking about spending and debt. Why do we spend in the first place? We talk through psychological triggers that cause us to spend even when we “know better” and how to manage this. […]

#84: Goals, Guts, and Glory: A One-Hour Financial Plan by Brunch & Budget Jan 08, 2016

It’s a new year and often the time when you feel like you can start with a clean slate. This is the year you’ll really get your finances in order! Let’s make sure that happens in 2016. This week, we’ll spend the hour talking through all the critical elements you need to have a fully […]

#83: Should you quit your job next year? Dec 28, 2015

Have you been thinking about quitting your job lately? Have you been wondering if what you spend all day doing is really worth your time and fulfilling your purpose? How do you know whether it’s time to make the switch or simply just ask for a raise? Whether you’re curious about joining the growing ranks […]

#82: How to crush your income goals in the New Year Dec 21, 2015

Most of the time, we think about what to do with money we already have – either spend less or save more. It’s money we can control, so we focus on this. Failure and success can be easily measured and contained. Thinking about increasing income means you have to leave the results of your efforts […]

#81: Is there such a thing as socially conscious investing? Dec 13, 2015

Mark Zuckerberg and Priscilla Chan made headlines recently when they announced they were going to move 99% of their wealth into an LLC over their lifetimes. Tons of news reports claimed they were doing it for the tax breaks, questioned their motives, and were generally suspicious of the move. In reality, Zuckerberg and Chan haven’t […]

#80: What happens when a financial planner gets a financial planner, part deux Dec 11, 2015

Dyalekt and I are so excited to do this show! We are just at the beginning of our own financial planning process with our financial planner, Sophia Bera of GenY Planning, and, and luck and timing would have it, she is moving to Austin a few days before we are going to be driving through […]

#79: Why you should boycott Black Friday Nov 29, 2015

First of all, this was a special Bondfire Radio show for Dramatic Dyalekt and me because we did a show on Black Friday last year and this means we’ve been around long enough to talk about it again smile emoticon Second of all, we wanted to talk about Black Friday again because I feel like […]

#78: Does financial literacy education actually work? w/ Andrea Ferrero Nov 24, 2015

We have been out in CA this last October and November, teaching workshops up and down the coast that focus on financial literacy for kids and adults. There are a lot of articles out there, from Time, to NY Times, to HuffPo, to the Economist, to Slate, who have evidence that it doesn’t work. They […]

#77: Social media specialist, Dr. Postalot, on how to make your social media stand out Nov 16, 2015

I think this is the first time I’ve ever had a guest’s main link be their twitter account! But frankly, this is the best place to find our guest this week! We got the chance to sit down, in person, with the one and only Dr. Postalot, a big Bondfire Radio supporter (and our social […]

#76 BONUS: Entrepreneur Month interview with Neelam Brar, Founder of District Cowork Nov 11, 2015

October was an amazing month for us! We had so many great founders and entrepreneurs share their stories and tell us how they make it all work. So many that we actually have a bonus episode! We recorded an interview with Neelam Brar, CEO of District CoWork, on location at her beautiful coworking space! We […]

#75: How to sell without feeling like a salesperson Nov 03, 2015

One of the realities of being a freelancer or entrepreneur is that you’re also going to be a salesperson. Most of us recoil when we hear this word, and conjure up visions of used car salesmen and slick and manipulative tactics. You’re afraid that you’ll be perceived as the sleazy salesperson. This show is all […]

#74: Alan Moore, CEO of XY Planning: How to tell a financial “expert” from a financial expert Oct 26, 2015

We round out our October #entrepreneurmonth on with Alan Moore, founder of XY Planning Network. As an entrepreneur, having a good financial advice on your side can make or break your business and there are a lot of financial advisors and experts who may or may not be able to properly advise you on your […]

#73: Founder of Stemless, Koushi King, on where the marijuana Industry is headed #deaddayjobarmy Oct 20, 2015

What’s it like to run a start up all by yourself? Or better yet, what’s it like to run a startup in an industry where you main product is only legal in a handful of states? We talk to Koushi King, founder of Stemless.co, a weed delivery service that’s hoping to make a dent in […]

#71: Founder & CEO of Goldbean, Jane Barratt, on Investing for Beginners #deaddayjobarmy Oct 07, 2015

To kick off our October Entrepreneur Month, we have Jane Barratt, founder and CEO of Goldbean, a website dedicated to helping beginners learn how to invest money confidently. She spent 20 years in marketing & advertising overseas and was able to take risks in her career because she was a young investor. Her goal for […]

#70: If you have savings in your 20’s, are you doing it wrong? Sep 27, 2015

I don’t know why I let Elite Daily articles rile me up, but this one called, “If you Have Savings in your 20’s, You’re Doing Something Wrong,” really struck a nerve. Link bait or not, it started a firestorm of comments and even a response article from MarketWatch. After calming down and letting my Pam-Hulk […]

#69: Is it worth it to chase credit card rewards points? Sep 21, 2015

One of the other top questions I get from clients is what the “best” credit card is. Usually, it’s a matter of what has the best rewards or the best points. In this week’s show, we delve into what to look for in a credit card, how big the rewards payoffs could be, and what’s […]

#68: Should you rent or should you buy? Sep 13, 2015

It’s probably the question I get most asked by clients – should I buy a house or keep renting? In this week’s show, we discuss the history of home buying in the United States, how and why it’s become part of the American Dream, and the industries and parts of the economy that rely on […]

#67: What happens when a financial planner hires a financial planner? Sep 07, 2015

So it’s happening. Dyalekt and I are hiring a financial planner. And we’re going to talk about the whole process in a series of radio show episodes. I read a very slap-in-the-face article about why financial planners might be hypocrites of their own profession. If I believe in the financial planning process so much, why […]

#66: Should your boss be paying you as an employee or contractor? (with accountant Matt Close) Aug 30, 2015

There’s been a new trend in the workforce and it’s been dubbed the “gig economy.” You’ve seen it everywhere – Uber, Lyft, Instacart, Fancy Hands, Task Rabbit, etc. But companies like Uber have been under fire for hiring their drivers as independent contractors when they should be considered employees. We talk with Matt Close of […]

#65: How to go from English teacher to Broadway producer in less than two years Aug 26, 2015

This week, we are excited to have Michael Roderick of Small Pond Enterprises on the show to talk about how he went from being a full time English teacher to a Broadway Producer in less than two years. Yes, forreal. It happened. He did it. When Michael is not producing Broadway shows, he is helping […]

#64: What is your biggest money mistake? LIVE at the 2nd Annual Bondfire Radio Audio Festival! Aug 14, 2015

We had an incredible time at the Bondfire Radio Audio Festival! We had a very special Brunch & Budget show, where Dyalekt and I revealed our biggest money mistakes and biggest money triumphs. Then we turned to our live audience and asked some of them to share what theirs were!! The bravery, empathy, and community […]

#63: Take your business to the next level with a small business loan Aug 09, 2015

It’s such a leap of faith to start your own business and another big leap of faith to take it to the next level. Sometimes, it feels like just when you’re about to hit your stride, you just need more money. This is where a small business loan could come in and banks are no […]

#61: Traditions Created by Advertisers Aug 08, 2015

Think getting down on one knee and shoving a diamond ring in someone’s face is romantic? Do you remember when your mom started buying you deodorant or told you it was time to start shaving your legs? Do you think a breakfast without bacon shouldn’t even count as breakfast? Are you afraid of getting herpes? […]

#62: The Art of the Side Hustle Aug 03, 2015

Whether you work a full time job or you work for yourself, it seems like everyone these days has a side hustle. It could be directly related to the job you do on the regular, or something completely unrelated. It could be something you hope becomes full time or something you’re doing just to make […]

#60: Take Your Brand to the Next Level Jul 19, 2015

ON AIR SPECIAL! Lilit does a live critique of Brunch & Budget’s website. If you want your website critiqued live on a future show, email me at pam@brunchandbudget.com. Lilit Kalachyan-Nurse has a thing or two to say about how to brand and market your business. A small business owner herself, Lilit has dedicated her career […]

#59: Why You Should Never Retire Jul 14, 2015

Retirement is a concept that really came from the 1930’s and the birth of Social Security. The logic was that after spending your whole life doing back breaking labor, the government would help take care of you in your old age. The concept of retirement then became something that companies and businesses began to take […]

#58: What exactly is hyperinflation? Jul 07, 2015

We’ve all heard stories in history class of a country’s currency being nearly worthless and it’s happened as recently as 2009 to Zimbabwe, where their Zim Dollar exchange rate was 700 billion to 1 US dollar. Could this ever happen to the US? On this Independence Day show, we talk about what happens when a […]

#57: Is it time to invest in Solar? Jul 07, 2015

Dyalekt and I finally got solar panels installed on our roof. Besides it being a year-long process in NYC (just FYI if you decide to commit), was it worth it? Does it make sense and is it cost efficient for you to consider using the sun for energy? Which big companies use solar? Where is […]

#56: The Rent is Too Damn High Jul 07, 2015

NYC has approximately 2 million residents (out of 8 million) in rent stabilized apartments, often the elderly and families who have been in their homes for a long time. On Monday, 6/14, the rent stabilization laws in NYC expired. Technically, the state government says. The renewal has been going back and forth in Albany and […]

#55: The Economics of Legalizing Weed Jun 15, 2015

If you haven’t heard, Colorado legalized the possession of marijuana as of January, 2014. We wanted to check in and see how the state has been doing from a fiscal perspective, now that it’s been a year and a half and the state hasn’t experienced a total drug-induced meltdown since they passed the law. In […]

#54: Sherita Rankins BusyWifeBusyLife Jun 08, 2015

Sherita Rankins is a model, host, actress, and director of finance at a non-profit. Oh, and she blogs about it. If your head is spinning just reading all the things she does, listen to this week’s show to find out how she juggles it all, what her top tips are to maximize your productivity, save […]

#53: The Challenges of Life After Prison | The PIC Series, Part 4 Jun 01, 2015

For every one person in prison, there are two people who were formerly incarcerated. That means there are 5 million people in the United States who have to check that box on a job application, 5 million people who struggle to find and keep a place to live, 5 million people who are immediately identified […]

#52: The School to Prison Pipeline | The PIC Series, Part 3 May 25, 2015

This whole prison industrial complex thing runs deep and starts early. While the anecdote that the prison industry uses 3rd grade standardized test results to predict how many prison beds it will need to build hasn’t been proven (mostly because it sounds like no one will fess up), factors like illiteracy, truancy, and suspensions are […]

#51: From Slavery to Prisons: A History | The PIC Series, Part 2 May 19, 2015

Last week, Dyalekt summed up the prison industrial complex in one word: Slavery. 2.3 million Americans are in prison today and 60% of them are people of color. This week, we have special guest Stephanie Damon-Moore, a law student at NYU who has dedicated her studies to abolishing the prison system, join us on the […]

#50: Prison as a business | The PIC Series, Part 1 May 12, 2015

To mark our 50th episode, we will be starting a 4-part series on the Prison Industrial Complex. In Part 1 of the PIC series, we talk about Prison as a Business: From corporations like the Corrections Corporation of America being publicly traded on the stock exchange to companies like Wendy’s, Walmart, Starbucks, and Verizon using […]

#49: Your Money Personality on a Budget May 04, 2015

I just wrote about this a few weeks ago (http://brunchandbudget.com/why-your-money-personality-matters-as-much-as-your-budgeting-skills/), but it’s such an important thing to get that we are going to do a whole radio show about it! Budgeting is not one size fits all, but most people treat it that way, so they end up trying, and then quickly abandoning their budgeting […]

#48: Let’s Talk Investing with Papillon Apr 27, 2015

We are so excited to have Papillon Financial back on the show this week! Shurnette Henry and Dana Wilson, cofounders of the firm, are on the show to answer those investment questions you always wondered about but didn’t know who to ask (Google doesn’t count!). have an exciting new financial empowerment program they’re offering this […]

#47: Abi Vega Build Strategic Alliances Apr 19, 2015

Do you want to learn how to really connect with the people you meet and go beyond just taking their business card? We are excited to have on the show Abi Vega of Fedcap, who is an expert on connecting people. With his background in finance and sales, he walks us through his best tips […]

#46: How to ask for a Raise as a Woman Apr 13, 2015

When I googled “consequences of not asking for a raise” (go ahead, try it), the first link was an article called, “For women, asking for a raise is damned if you do or don’t.” The first PAGE of the search is littered with similar articles, cautioning women about how asking for a raise changes how […]

#45: How to Ask for a Raise and Get It Apr 05, 2015

We spend a lot of time thinking and talking about how to cut back on expenses, spend less, and save more. The other half of the equation is making more money. On this week’s show, we talk about proven strategies to ask for a raise and what your mindset should be when you go into […]

#44: Mary Pilon & The Monopolists Mar 29, 2015

To close out Women’s History Month, we talk with Mary Pilon, whose new book reveals the true history of the invention of Monopoly. The story Parker Brothers tells is such common knowledge that it’s included as an insert in every Monopoly set – Charles Darrow, down on his luck, invents the game in his basement, […]

#43: Starting a Startup w/ Morgan Hirsh Mar 24, 2015

We hear about start ups all the time – the hundreds of thousands, or even millions of dollars they raise, the cool offices, the “culture.” But what does it really take to start a start up? On today’s show, we talk with Morgan Hirsh, founder of Morgan’s Don’t Run Out (morgans.me), a line of bathroom […]

#41: Chipotle vs. McDonalds Mar 08, 2015

At one point, McDonald’s owned 90% of Chipotle. On today’s show, Brunch & Budget goes in on how Chipotle Mexican Grill is leading a new fast food era and how McDonald’s is trying to not get left in the dust.

#40: Student Loan Counselor on Air! Mar 01, 2015

Student loan debt has gotten to be even more confusing than ever, especially as people take out more money, loans get sold to other companies, and it’s not clear what’s federal or private, subsidized or unsubsidized (and what the heck does all that even mean???). Luckily, on today’s show, we have student loan counseling expert, […]

#39: One Truth About Landmark Forum Mar 01, 2015

Emcee, artist, and entrepreneur MeccaGodzilla joins us in the studio today to revisit our show (episode 10) on the Landmark Forum! He attended the 3-day intensive, did the 10 week action steps course afterwards, and he says it changed his life! But not in a culty way! We dig in on what the 3-day course […]

#38: Cost of being single vs coupled Mar 01, 2015

Another Valentine’s Day has passed, which begs the question, is it less expensive to be single or in a relationship? Not just on Valentine’s Day, but in general. Do couples spend more money or do single people spend more money trying to get couple-y? We compare single and living alone to single and living with […]

#37: Shark Tank – Real vs. Reality TV Feb 08, 2015

Shark Tank is a super popular TV show where entrepreneurs pitch their ideas to very wealthy investors to get them to invest in a piece of their companies. They say they’ve reignited the entrepreneurial spirit in America. Drink every time someone says “American Dream” on the show and you’ll be drunk by the end of […]

#36: SOTU and Middle Class Economics Feb 02, 2015

President Obama’s 2015 State of the Union address was inspiring. He called for focusing on building a “middle class economics” and outlined three ingredients that would be needed to achieve this: 1. helping families feel more secure (i.e. raising minimum wage, paid sick leave, childcare options) 2. upgrading Americans’ skills (making higher education more financially […]

#35: Rus Garofalo of Brass Taxes Jan 25, 2015

Do you want to talk to an accountant who also makes you feel like a person? Take a listen to our interview with Rus Garofalo, founder of Brass Taxes, a tax preparer who treats his people like, well, people. He drops a ton of knowledge throughout the show on what you can claim, tips on […]

#34: Traveling Through Asia on a Budget Jan 19, 2015

In December 2014, Dyalekt and I traveled through Asia for 25 days and did it for $5,700. Total. For the both of us. In this week’s show, we talk about how we planned, what we stumbled through, what snafu’s we ran into along the way, and how we prioritized our spending throughout the whole trip, […]

#33: The Myth of the American Dream Jan 12, 2015

In Part 2 of why we believed the $72mm lie that Mohammed Islam told NY Magazine (that he made all this money investing in the stock market), we explore why we WANTED to believe his story. America and the American Dream is built on the idea of “rags to riches” narratives, being able to come […]

#32: Why We Believed the $72mm Lie Pt1 Jan 04, 2015

Mohammed Islam was named in NY Magazine’s annual “Things We Love About New York” issue for claiming to make $72 million in the stock market. He said he started trading penny stocks at the age of 8 or 9 and that his net worth was in the 8 figures. Of course, a few days later, […]

#31: Your Obamacare Questions Answered! Jan 04, 2015

Do you know you have to get health insurance for 2015 but also feel completely overwhelmed? Me too. So we invited a health insurance expert on the show to answer all our questions about the Affordable Care Act, or Obamacare. We go over the most jargon-y jargon you’ll need to know, like deductible, copays, coinsurance, […]

#30: Saving More Money in the New Year Dec 26, 2014

The number two New Year’s resolution people make every year (after losing weight), is to save more money. So what stops us from saving? In this show, we go over the common reasons people don’t save and the most effective ways to get around these reasons and change your savings habits, according to your money […]

#29: So, um, the NFL’s a Non Profit Dec 15, 2014

Tis the season to give back to your favorite non profits, and what better place to give than the… wait? The NFL is a non profit? That’s exactly what we said when we first found out, so we did some research and found ourselves down a non profit rabbit loop hole matrix. Or something like […]

#28: Deepti Kapur on Food Delivery Dec 12, 2014

Deepti Kapur, CEO and founder of FoodToEat.com, joins us in the studio and shares some eye opening facts about the economics of online food delivery services like Seamless.com and GrubHub.com. If you are a frequent user of these online services, like Dyalekt and I once were (we deleted our Seamless accounts immediately after this show!), […]

#27: When More Money’s on your Mind Dec 04, 2014

Does having more money make you less empathetic? Less moral? Less happy? As someone who wants to believe I am in control of my emotions and action and that having more money doesn’t change people, it was hard for me to hear, much less talk about, the findings in the studies about money and empathy, […]

#26: Is Black Friday Really Worth It? Nov 27, 2014

This Friday, millions of people will line up outside of stores across the country and try to score a deal on Black Friday. But is it really worth it? Are you actually saving that much more money? We talk about the psychology (and psychological tricks) behind Black Friday sales, why it appeals to some basic […]

#25: The Lowdown on Obamacare in 2015 Nov 18, 2014

Did the premiums go up or down? What happens if you don’t sign up? Can you get some help paying for it? Can you get some help applying for it? All these questions and more answered on today’s show on the state of Obamacare in 2015.

#24: Heather Klein: Protect Your Stuff Nov 09, 2014

If the idea of talking to an insurance agent about anything scares you (even though you know you really need to protect your stuff!), meet Heather Klein of Eastern Insurors. She joins us on today’s show and drops some serious knowledge about property and casualty insurance, specifically renter’s and auto insurance. Do you know the […]

#23: Business Center for New Americans Nov 02, 2014

***SPECIAL RADIO OFFER: If you email Aaron Lackman at alackman@nybcna.org and mention Brunch & Budget on Bondfire Radio, he will pull your credit report and credit score for free and review the score and report with you!*** Imagine coming to a new country, where not only the language and customs are foreign to you, but […]

#22: When Your Identity is Stolen Oct 27, 2014

Identity theft is the fast growing crime in the U.S. and identity thieves are staying two steps ahead of the people trying to catch them. Huge companies like Home Depot and Target have recently had millions of credit card numbers stolen, ID thieves are preying on children and the elderly, and stitching together multiple identities […]

#21: Is Multi-Level Marketing for You? Oct 20, 2014

You may have heard people call them pyramid schemes or scams. Or you may have been pitched by someone who swears you can work from home and just watch the money roll in. People either love em or they hate em, so we wanted to find some middle ground. Enter Shirone Robinson, who has been […]

#20: Cerece Murphy on #doingwhatyoulove Oct 16, 2014

“A blessing isn’t complete until it’s shared.” Cerece Murphy, a black, female, self-published, sci-fi author (pause for a second, take in all the qualifiers), joins us in the studio while she’s in town for NYC ComicCon to promote and sell the third installment in her Order of the Seers Trilogy. We dig into the nitty […]

#19: The Psychology of Charitable Giving Oct 05, 2014

The Ice Bucket Challenge was a charitable giving phenomenon this summer. The ALSA raised over $100 million in the last three months – that’s almost 50% more than the US government has committed to helping fight ebola. What makes some charitable campaigns more successful than others? What compels people to give to one charitable cause […]

#18: LIVE Credit Counseling Session Sep 29, 2014

We’ve dubbed her Kim Bravery because she not only agreed to do a credit counseling session with Thomas Nitzsche ofClearpoint Credit Counseling Solutions, she agreed to do it in real time, on the air, with everyone listening. They went over her real budget numbers, her real credit report (and actual credit score), and her debt consolidation […]

#17: CPA? CFP? CPA? CF-What?? Sep 21, 2014

There are literally hundreds of professional financial designations and sadly, most of them are not as legitimate as they sound – sometimes all you need is $50 and a 50 question test to be able to put some initials after your name. Find out which financial designations really matter and what the difference is between […]

#16: Getting By Without a College Degree Sep 15, 2014

We all know student loan debt is out of control. The average college student graduated in 2014 with $33,000 in student loans. Student loan debt crossed the $1 trillion in 2012 and just keeps getting bigger. Something has to give. Today, we explore Massive Open Online Courses, or MOOC’s, online learning platforms that started as […]

#15: Sekou Murphy Bread for the City Sep 07, 2014

This week, we jump on the phone with Sekou Murphy, Chief Financial Officer of Bread for the City, a non profit in Washington DC dedicated to helping the city’s most vulnerable citizens break the cycle of poverty. We talk about how he has focused on helping his staff improve their own personal finances so they […]

#14: Jo-Na Williams Business Coach Sep 01, 2014

Attorney and business coach, Jo-Na Williams joins us live in the studio to talk about how artists can protect their work and turn their creative endeavors into businesses that will help them lead lives they love. If you are an artist who is trying to take your work to the next level, this is a […]

#13: How to Dispute a Charge Aug 24, 2014

In the episode, we walk through real life scenarios on how to lower your cable/internet bill, get bank fees and credit card fees removed, and lower your cell phone bill, along with tips and strategies for how to talk to the reps on the other side.

#12: Bondfire Audio Festival: Saving is Power! Aug 23, 2014

Stanford Business School recently published an article about a new study that showed people who feel powerful save more money. SO IF POWER = SAVING, THEN SAVING = POWER. During the Bondfire 1st Annual Audio Festival, we launched a very special Saving is Power Challenge to help you feel empowered to save more money. To […]

#11: What to do with student loans Aug 17, 2014

Chances are you have them. Chances are you have 10’s of thousands of them (average student loan debt for 2014 grad is $33k! $33k!).So what do you do when you finish your degree and can barely pay rent, much less pay back a loan? This show goes over all the repayment assistance options, whether or […]

#10: Is the Landmark Forum for You? Aug 17, 2014

We’ve heard a ton of controversy about Landmark Forum – people say it’s changed their lives or they write it off as a cult. Your sound provider, Dyalekt, did some investigative reporting and attended a 3-hour “Special Evening with Landmark Forum” to see what it was really all about. We talk about his experience and some […]

#9: Intro to Investing w/ Papillon Aug 17, 2014

Shurnette Henry of Papillon Financial joins us in the studio to talk about how to start investing. But more importantly, before you even begin to think about putting a dollar in the stock market, Papillon has a unique approach that helps you discover what your tendencies are so the investments you make truly match your […]

#8: One Way to Buy a House Aug 17, 2014

What’s the most difficult way to buy a house? How about buying a house as a short sale (the step right before a house is foreclosed), needing to gut renovate it, and doing it all under the Federal Housing Administration (FHA) mortgage process? Yep, all that happened with our home purchase. Hear about how we […]

#7: Donald Sterling & ROI Aug 17, 2014

Donald Sterling, owner of the Clippers, has been banned from the NBA and is being forced to sell his team (because he’s a crazy racist and thank goodness the NBA won’t stand for that). Let’s think about this though – he bought it for $12.5 million and someone is offering $2 BILLION for it now. […]

#6: Wage Slavery & Walmart Aug 17, 2014

In celebration of our Independence Day, we talk about wage slavery, OR, all the reasons not to shop at Walmart. Listen to how Walmart affects your bottom line, whether you shop there every day or can’t remember the last time you stepped into one. The stats and cycle of poverty are staggering.

#5: Digging Deep with Caits Meissner Aug 17, 2014

Special Guest Caits Meissner, amazing facilitator, poet, and educator, talks to us about how she made the leap from her full time job to her full time passion. Check out her work and how to step into her brave space at caitsmeissner.com.

#4: Credit Cards! Yaaaay! Aug 17, 2014

This episode is your guide to everything you need to know about credit cards: How to check your credit score, secured cards, paying down credit card debt, rules for building up credit, opening a new card, points/rewards, and overall how to choose the best card for you. Click here for more info on paying down […]

#3: An Awesome Summer on a Budget Aug 17, 2014

Don’t break your budget this summer! We’ll go over everything from summer economics (why the summer can be so costly) and break down the psychology of money surrounding summer spending. We’ll give you options and tips/tricks on how to save while trying to travel this summer. For more tips, check out this article

#2: How to Find a Better Bank Aug 17, 2014

Should you bother switching banks? You work hard for this money, of course you want the best possible bank to protect your paychecks. In this episode we break down what big banks actually do with your money. Don’t worry though, we’ve got options so you can ultimately choose what’s best for you.
Music Featured in This Episode:
Broke Pimpin' by BrokeMC feat Breez evahflowin & Sum
Itsoweezy by De La Soul
It's Ok by Eminem

#1: The Psychology of Money Aug 16, 2014

This is Brunch & Budget, a podcast created to be your guide in the financial world. Your hosts, Pamela Capalad and Dyalekt, discuss all aspects of money and simplify the world of economics for anyone and everyone. In our first episode we go over the psychology of money. There are different money personalities. We’ll help you figure out which one you are and how that impacts your relationship with money.
Music Featured in This Episode:
Therapy by Heltah Skeltah
Glass by Eyedea & Abilities
Semi-Reserved Closet Maniac by TahPhrumDuhBush

Brunch & Budget SPECIAL: Taxes & You Aug 15, 2014

In this very first Brunch & Budget show on Bondfire Radio, we talk about AirBNB income (and any side hustle income), what expenses you can deduct, and the best way to use your refund. Episode Highlights: Pam: For all of your income that you do make on AirBNB I would set aside at least 30% […]

Our TOPPODCAST Picks

Follow Us

Stay Connected

Related Podcasts

Links

Stay Connected