Brunch & Budget

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Synopsis

Where personal finance & racial economic justice intersect

Episodes

  • #276: Part 2: From Seed to Unicorn - The Esusu Journey with Samir Goel

    16/11/2023 Duration: 28min

    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 com

  • #275: Part 1: From Seed to Unicorn - The Esusu Journey with Samir Goel

    09/11/2023 Duration: 40min

    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 com

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

    20/07/2023 Duration: 51min

    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 th

  • #273 BONUS: Life Blood - Effective Financial Literacy with Pamela Capalad

    06/07/2023 Duration: 20min

    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

    29/06/2023 Duration: 38min

    BONUS: Take Charge of Your Finances | Deliberate Freelancer with Pamela CapaladToday’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 ca

  • #271 BONUS: Artist Without Day Jobs - Budgeting for Creatives & Artists w/ Pam Capalad

    22/06/2023 Duration: 40min

    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

    15/06/2023 Duration: 01h15s

    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 kid

  • #269 BONUS: Dyalekt featured on Caribbean Rhythms Radio HIP HOP FINFEST 2023

    08/06/2023 Duration: 38min

    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)

    01/06/2023 Duration: 56min

    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

    25/05/2023 Duration: 01h03min

    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

    18/05/2023 Duration: 01h01min

    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

    11/05/2023 Duration: 01h09min

    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

    04/05/2023 Duration: 01h04s

    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

    27/04/2023 Duration: 01h00s

    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??

    20/04/2023 Duration: 59min

    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?

    06/04/2023 Duration: 01h25s

    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

    30/03/2023 Duration: 01h08min

    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

    23/03/2023 Duration: 01h08min

    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

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

    16/03/2023 Duration: 58min

    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

    14/03/2023 Duration: 01h02min

    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. […]

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