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Explore every episode of the podcast Get Shameless About Money

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TitlePub. DateDuration
#272: Part 2: From Seed to Unicorn - The Esusu Journey with Samir Goel16 Nov 202300:28:37

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



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#271: Part 1: From Seed to Unicorn - The Esusu Journey with Samir Goel09 Nov 202300:40:46

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



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#262: Paperwork Part 1: It’s not you, it’s the paperwork01 Dec 202200:28:12

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. 



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#170: DDJA Castell J Barnes on the business of motivational speaking29 Aug 201701:05:31

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 […]



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#169: Prosperity Now: MQVN, the Forgotten New Orleans22 Aug 201701:00:09

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 […]



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#168: Building Habits to Overcome Fears about Money15 Aug 201700:59:55

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 – […]



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#167: What to do When Debt Goes into Collections08 Aug 201701:01:24

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 […]



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#166: DDJA Kisha Velazquez of Junior Baby Hatter01 Aug 201701:02:26

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 […]



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#165: Prosperity Now—How Sant La Strengthens and Stabilizes South Florida’s Haitian Community25 Jul 201701:00:53

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 […]



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#164: Heather Jarvis JD in Sallie Mae strikes back!21 Jul 201701:03:42

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 […]



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#163: How to protect your assets as an immigrant with Mohan Kanungo of MAF11 Jul 201701:00:41

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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#162: DDJA Chris Kim, founder of Monk’s Meats, on balancing a Diet, Business, and Activism04 Jul 201701:00:49

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 […]



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#161: How to quit your job & go full time freelance, Part 227 Jun 201701:01:24

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 […]



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#261: How much is enough Part 3: How much is enough at each stage17 Nov 202200:40:41

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. 



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#160: CFED: Maria Coto of PSE on the real work it takes to start a business20 Jun 201700:59:52

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 […]



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#159: RAD doxes Dyalekt (and how to make sure you don’t get doxed)14 Jun 201701:14:33

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 […]



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#158: How to quit your job and go to full time freelance, Part 109 Jun 201701:01:42

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 […]



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#157: Survivorship Bias or How to Reverse-Engineer Success on a Budget31 May 201700:59:59

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 […]



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#156: Avocado Toast and 20 other things you don’t have to give up25 May 201701:00:00

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 […]



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#155: CFED cohorts Chinese Mutual Aid Association19 May 201700:56:56

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 […]



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#154: How the AHCA will affect your wallet11 May 201701:03:16

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, […]



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#153: The Cost of Convenience10 May 201701:01:49

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 […]



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#152: Bomopregha Julius on why you need an estate plan to end generational poverty04 May 201701:03:15

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 […]



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#151: CFED Spanish Coalition for Housing21 Apr 201700:57:39

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 […]



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#260: How much is enough Part 2: Recipe for calculating your ideal income10 Nov 202200:41:45

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. 



Get full access to Get Shameless about money at getshameless.substack.com/subscribe
#150: How to protect your digital financial footprint20 Apr 201701:07:17

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, […]



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#149: Matt Becker on how to prepare financially for having a kid18 Apr 201701:01:25

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 […]



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#148: #DeadDayJobArmy Safety Pin Box’s Co-Founder Leslie Mac27 Mar 201701:03:48

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 […]



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#147: Former IRS Auditor, Arielle Bryant, answers all the questions you have about taxes19 Mar 201700:58:38

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 […]



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#146: How MEDA helps minority entrepreneurs build wildly successful companies14 Mar 201701:02:55

(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 […]



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#145: How to ask for a raise and get it (Rebroadcast)07 Mar 201701:01:51

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 […]



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#144: How to talk to your parents about money28 Feb 201700:59:40

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 […]



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#143: You and your honey’s money personalities20 Feb 201701:00:19

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 […]



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#142: The Urban Alliance: Transforming the school-to-prison pipeline into the school-to-opportunity pipeline13 Feb 201701:01:35

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 […]



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#141: How the recent executive orders will affect your wallet06 Feb 201700:59:06

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 […]



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#259: How Much Is Enough, Part 1: Do you really need $100 million?03 Nov 202200:32:35

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. 



Get full access to Get Shameless about money at getshameless.substack.com/subscribe
#140: #DeadDayJobArmy – James Freeman on how opening a restaurant is like creating an album30 Jan 201701:21:20

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 […]



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#139: Being an employee can actually be awesome23 Jan 201701:00:00

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,” […]



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#138: Dedrick Asante-Muhammad on how to take action against the racial wealth divide16 Jan 201701:08:44

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 […]



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#137: How to start saving for the holidays in January11 Jan 201700:59:30

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 […]



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#136: Create goals and habits that last beyond the new year03 Jan 201701:00:00

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 […]



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#135: Is Christmas gifting worth it? B/W Chaz Kangas Christmas songs!26 Dec 201600:58:55

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 […]



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#134: How to get health insurance in 2017 (we know, we know, ugh)19 Dec 201600:59:32

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 […]



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#133: How to invest in real estate without having to buy a house (Fundrise explains REIT’s)15 Dec 201601:01:48

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 […]



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#132: #DeadDayJobArmy ‘Niles’ on how to reinvent yourself in the midst of failure and depression09 Dec 201601:03:37

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 […]



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#131: Do economic boycotts actually work?30 Nov 201600:58:52

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 […]



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#258: Inflation Part 3 - Deal with inflation at every financial stage20 Oct 202200:32:23

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. 



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#130: How your personality affects your wallet, Part 221 Nov 201601:00:53

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 […]



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#129: How your personality affects your wallet Part 121 Nov 201601:00:02

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 […]



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#128: #DeadDayJobArmy Lauryn Williams on being a financial planner of Color in a profession that is 96% white07 Nov 201601:01:27

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 […]



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