Brunch & Budget

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 entre

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

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!

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

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

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.

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

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

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

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

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

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.

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

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

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

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.

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

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 […]

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 […]

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 […]