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Brunch & Budget
59 minutes | 14 days ago
b&b242: Why We're Still A Segregated Nation
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 worse
59 minutes | 22 days ago
b&b241: The Racist History of Insurance & Why You Need It Anyway
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.
58 minutes | a month ago
b&b240: Gamestop, Short Stocks & the Smoking Barrel
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.
54 minutes | a month ago
b&b239: You CAN Knock the Hustle
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.
61 minutes | a month ago
b&b238 The Stimmy Hits Back + Prop 22 + PPP Loans
59 minutes | 5 months ago
b&b 237: Pros & Cons of Workers Co-Ops w/ Ajoke Williams & Ahn-Thu Nguyen
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.
63 minutes | 6 months ago
b&b236: What if you could create your ideal bank?
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.
42 minutes | 6 months ago
b&b235: Slavery Never Ended Part 2: Wage Theft
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
61 minutes | 6 months ago
b&b234: How to invest in yourself without spending a dime.
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?
65 minutes | 7 months ago
b&b233: Does your salary reflect your value?
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!
62 minutes | 7 months ago
b&b232 When it comes to investments, all times are uncertain w/ Kevin Matthews
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.
50 minutes | 7 months ago
b&b231 Free money for freelancers... but hurry! PPP loan deadline on 8/8!
One more episode on PPP and EIDL loans before the PPP loan deadline passes. Take a listen!
63 minutes | 8 months ago
b&b230: How to talk to your parents about money (redux)
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.
64 minutes | 8 months ago
b&b229: Protecting your generational wealth in the time of Corona with Jala Eaton
58 minutes | 8 months ago
b&b228: It’s Juneteenth, but slavery never ended
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.
71 minutes | 9 months ago
b&b227: Put your money where your mouth is - dismantling systemic racism with your dollars
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.
69 minutes | 9 months ago
b&b226: PPP loans Q&A with Fiverr (106 questions answered!)
This episode is ALL things PPP loan! We answered 106 questions. We also touch on EIDL loans.
65 minutes | 9 months ago
b&b225: Credit & Debt strategies for you and your honey
In this podcast we will tackle the different ways to approach that tricky "money" conversation with you partner.
66 minutes | 10 months ago
b&b224: Managing Credit In A Time Of Crisis
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.
65 minutes | 10 months ago
b&b223: How to budget during a pandemic + your IG Live questions answered!
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?
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