Brunch & Budget

Let's talk about the myth of personal responsibility. On the surface it makes sense, it's about being responsible for yourself, which is important. When we talk about personal responsibility as it relates to finance, it becomes this expectation that you have to figure everything out on your own and anything that's gone wrong with your finances is your own fault. It's not the system's fault because the system is flawless . We call bull****. The system is jacked up, especial...ly for POC. Folks touting the personal responsibility rhetoric aren't factoring in how the game has been rigged for so long to make sure it remained difficult for POC to get ahead, no matter how hard they worked or what degree they got. Individualism is just something they told us to keep us away from the truth: an individual who's got the deck stacked against them but still believes they can make it on their own if they just work hard enough is much easier to dupe than a community of folks who know exactly what's up. Don't be fooled. The system is designed to keep all sorts of relevant information out of your hands, especially if you're a POC. That's why we created See Change, a program designed especially for POC to build generational wealth. You can head here to reserve your spot: https://buff.ly/2NQUqml

A weekly podcast about personal finance & racial wealth equity. We explain the rules so people know exactly how to apply it to their own financial situation. We tape in Brooklyn, NY. Listen & subscribe here: https://buff.ly/2Y9OjeE #podcastsincolor

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 overseers. Placing ostensibly reasonable words over untenable practices is the same ol’ okey doke. This week we talk about the myth (yes MYTH) of Personal Responsibility. It’s not what you think it is. You are not lazy. You are not stupid. You are not alone.

Win money by tapping about money! Perform for a virtual concert! Have your song evaluated by legends in the music industry! Open to high school students ages 14-18. Link in bio for more info

Credit Karma isn't the best place to get your credit score. Nothing against Credit Karma, it's just that FICO uses a bunch of different scoring methods when calculating your score. You can get the real one for free in your credit card app. Remember that your credit score is NOT the same as your credit report. And we recommend that you check both regularly to make sure everything's on the up & up. Knowing your score is part of getting to that place of #financialsafety. And ne...ver forget that the credit card companies are hoping that you always stay one step behind in managing your credit and debt, so get armed with your true score in less than 10 minutes. The system is designed to keep all sorts of relevant information out of your hands, especially if you're a POC. That's why we created See Change, a program designed especially for POC to build generational wealth. You can head here to reserve your spot: https://buff.ly/2NQUqml

We always talk about building generational wealth and creating a family legacy, but what does that look and feel like financially? Here are some ideas on what financial legacy can look like. Imagine having enough money so you don’t even NEED your credit score to access capital and leverage your wealth. Imagine designing a financial legacy that lasts beyond your lifetime and not only covers your family’s needs for the next generation but allows you to contribute to the legacy ...of your community as well. You don’t need to have millions of dollars do this, but having a clearly defined idea of what wealth means to you and what enough means to you can allow you to reverse-engineer what financial legacy you want to leave. *Also, FYI, the FDIC deposit limit is $250k so if you have more than $250k in cash, you should keep your money in multiple accounts at different banks.

More , More Problems Part II How to Know if the answer is 'yes': Do you spend a lot of time wondering if you have enough money and constantly compare it to how much you THINK you should have by now? Are you really concerned about what you have in the bank and over analyze every financial decision? Then CONGRATS! You're probably a Complicator! Now close some tabs, please. Knowing your money personality can provide some clarity on why you relate to money the way you do. Kno...wledge is half the battle and we're here to help you win as many battles as possible. Not sure if this is you? Take the Money Personality quiz here: https://buff.ly/35eFYdH

More , More Problems - What does your money personality say about you? Our Complicators are folks that are ALWAYS worried about money, no matter how much they have. If you spend a lot of time worrying about cash flow, or have a meticulous method for keeping track of your bills yet still never feel quite settled with your finances, you might be a Complicator. Our money personality helps us understand our relationship to money and once you know that, the world of financial planning is a little less complicated. Take the money personality quiz here: https://buff.ly/35eFYdH

Please view full job description at brunchandbudget.com/bnbplannercoach About Brunch & Budget Financial planning is a tough and sensitive business. Our clients count on us to be there for them as they’re going through some pretty big, and often emotional decisions while getting their financial lives in order. Brunch & Budget is growing fast and is looking to hire a Financial Planner & Coach.... We need someone who’s game to shake up the financial services world with us. You are unafraid to think big and, at the same time willing to roll up your sleeves and do the hard work and in between stuff that it takes to help clients make real progress with their money. We have a diverse clientele, so you will learn how to understand and be sensitive to the unique financial planning needs of People of Color. It is important to us to continue to build a diverse team to reflect the needs of our clients, so we encourage POC, women, and those of us also traditionally left out of the financial planning field to apply. We are a small company, so this will be an all-hands-on-deck role. As you know, there is a lot of behind the scenes work that makes for a successful financial planning relationship. We want you to be involved and invested in the operations and processes that we use to serve our clients and give them a truly magical experience.