Brunch & Budget

Featured Song - Inflate (Live)from Catallabs (Live) by sonny milesDownload SongFeaturing an interview withDedrick Asante-Mohammad the chief of membership policy and equity at NCRCFollow him on Facebook and Twitter.NCRC WebsiteSeason 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 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 financesHosts - 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 p

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 […]

Featured Song -  Savingsfrom INDIGNATION by Indigo AliDownload SongSeason 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 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 financesHosts - 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 Magazin

Featured Song - Savingfrom Fresh Air EP by DeeRiginalDownload SongSeason 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 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 financesHosts - 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

Featured Song - Saving from Trickle Down Destruction by A7MC x DethwzrdDownload SongFeaturing an interview withDedrick Asante-Mohammad the chief of membership policy and equity at NCRCFollow him on Facebook and Twitter.NCRC WebsiteSeason 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 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 financesHosts - 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 s

Featured Song - Shamelessby POUNDSDownload SongSpecial 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 trustKnowing your values: Gaining agency and ownership of your own tendencies around moneyRelinquishing sham

Featured Song - Recession Onfrom Rain Shine by Luke RainDownload Song Featuring an interview with Dedrick Asante-Mohammad the chief of membership policy and equity at NCRCFollow him on Facebook and Twitter.NCRC WebsiteSeason 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 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 financesHosts - 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

Song Featured - Recession Prooffrom No Lotion 2: The Great Repression by Ashy L BowzDownload 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 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 financesHosts - 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,

Song featured - Recessionfrom Hometown Herverts by A. Harmony, DijahSB & pHoenix PagliacciDownload SongSurprise! 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 inPart 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around itPart 3 is DO - we take you through Brunch & Budget’s 5 Stages to Fi

Feat. DREAM by Dyalekt & Dedrick Asante-MuhammadListen hereMay 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 thos

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

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

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 oversee

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

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 Fe

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 &and  PERKGrandma Got Run Over By a Hedge Fund by Live From Indoors!

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

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

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

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