Brunch & Budget

Brunch & Budget

THE PODCAST ABOUT PERSONAL FINANCE & RACIAL ECONOMIC INCLUSION: From how we bank, to our how credit scores are calculated, to how we are kept in the dark about investing, to how we pay our taxes, the system is set up for us to get caught in a debt/poverty cycle and stay running just to tread water. The rules change all the time so the people on top stay on top. What if you not only knew the rules, but knew exactly how to apply it to your own financial situation? What if you were able to not only reverse your financial mistakes, but start making the rules work for you? If you're ready to See Change, tune in! Check out brunchandbudget.com for more resources • • • • • • • • • • • • • • • • • • • • • • • • DISCLAIMER: The information in this presentation provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Brunch & Budget, LLC (referred to as “Brunch & Budget”) disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. Brunch & Budget does not warrant that the information will be free from error. None of the information provided in this presentation is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering.The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall Brunch & Budget be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Brunch & Budget or a Brunch & Budget authorized representative has been advised of the possibility of such damages. In no event shall Brunch & Budget, LLC have any liability to you for damages, losses and causes of action for accessing this site.Information on this site and in this podcast should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.

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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 KnowleginBandwagon by A-RoyReal Recognize Real by Aleya

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May 10

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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 OnlyOneIncome Tax Party by BIG SUB OGIncome Tax Money by Scrap Easy

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Mar 13

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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 RealKein Stress! by Lazy LPirata Sem Tesouro by Lazy

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Mar 9

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Why Desegregation Didn't WorkThey used to be lying, stealing, screaming f*ck your feelingsNow they’re crying, pleading for unity and healingHistory is written by the richer, not the winnersWe’re seeing it happen as we tweetHistory tells us that desegregation fixed AmericaIt admits that separate was never equalAs if separation was America’s only evilRacial discrimination is like a nuclear bombCommunities that aren’t destroyed by explosionOften end up dying by falloutThe explosion was the sound of millions of white customersIgnoring Black businessesEven as Black customers shopped at white owned businessesWith a sense of prideBecause unity and healingAlso the places you weren’t looking at didn’t desegregateSchools are the same place they were in the 60’sAnd it’s getting worseMusic Featured in This EpisodeLos Regentes by  SimónSqualo & Pensamiento ColectivoDesegregation ft. Thee Tom Hardy by Actual Proof

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Feb 22

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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)EMICR.I.P Disability [Rework] by Shawn CrutchSegregation by Ondaway

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Feb 14

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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 PartyStock Market by KIDD ISAIIAIH ∧  PERKGrandma Got Run Over By a Hedge Fund by Live From Indoors!

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Feb 7

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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 13thmarkCan't Stop the Hustlin' by  JahYutThe Tortoise Hustle by Sankofa

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Feb 3

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Music Feature in This EpisodePayroll Taxes by IM-POWER-MEANT ENT PRESENTS $HO MontegaStimmy (Stimulus Checks)- by Stimmy Gawd feat L'Daialogue DiCaprioLiving Wage by Aveli Amun

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Jan 26

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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 DVAWorkers United (will overcome) by Eve

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Oct 2020

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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, SojournMake It Better by NjBredBetter Business by Blickaz

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Sep 2020

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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 #letsdobetterMusic Featured in This Episode:Real Thieves Wear Suits by Rebel AllianzW.A.G.E.S. by James RayThrift Shop by Mister Waugh

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Aug 2020

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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 7Believe In Yourself by SisterSara featuring Awa FallFree Yourself (extrait) by NY.KO

Aug 2020

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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!

Aug 2020

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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 XiBasty & Farky-Investitii (Investment) by BastyMakin' Bread by Sir Kn8

Jul 2020

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

Jul 2020

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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 GhostParents by Christopher G.

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Jul 2020

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Music Featured in This Episode:When I Die by Sound FXEstate Echos feat Saint by PROFITLast Rights by Proxy

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Jun 2020

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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

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Jun 2020

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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 LMNZWhat's Important by Z.OWhat's Important by Dialectrix

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Jun 2020

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

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Jun 2020

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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 ANGLLSLove Hate Relationship feat. A Jones by ConzLong Distance Relationship by imperfekt

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May 2020

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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.

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May 2020

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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 JordeePrioritize Wise (intro) by Collin TerrelPriorities by ChrisGDaReal

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May 2020

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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 💜💜💜💜

May 2020

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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 FountaineAmerican Pimp by PPPLand of the Loopholes by 4Mative

Apr 2020

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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.

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Apr 2020

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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 AssociatesWho Will? by Phynite

Mar 2020

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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 […]

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Mar 2020

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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 […]

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Feb 2020

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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 […]

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Feb 2020

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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, […]

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Jan 2020

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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 […]

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Jan 2020

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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 […]

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Dec 2019

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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. […]

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Dec 2019

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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 […]

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Nov 2019

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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 […]

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Nov 2019

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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 […]

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Sep 2019

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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 […]

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Sep 2019

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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 […]

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Aug 2019

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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 […]

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Aug 2019

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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 […]

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Jul 2019

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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 […]

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Jul 2019

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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, […]

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Jul 2019

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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 […]

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Jul 2019

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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 […]

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Jun 2019

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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 […]

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Jun 2019

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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 […]

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May 2019

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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 […]

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May 2019

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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 & […]

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May 2019

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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 […]

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Apr 2019

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