Has talking about the racial wealth divide become conversational quicksand, where we think that people talking about it are considering the problem in its totality and actually trying to solve it but they&apos;re actually applying a band aid to a gaping wound by saying the right words so we keep buying their products(looking at you Apple)?This week we&apos;re joined by Dedrick Asante-Muhammad for another PREACH episode and we took a deep dive into corporations and the racial wealth divide. We talked about authenticity, what systemic racism actually means, and how the feeling of being personally racist factors into all of this. Music Featured in This Episode:False Leadership by KnowleginBandwagon by A-RoyReal Recognize Real by Aleya

Brunch & Budget

b&b245- PREACH: Has the Racial Wealth Divide Been Co-Opted?

It&apos;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&apos;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

b&b244: The Unavoidable Tax Talk with Darren Liddell

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&apos; 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.Music Featured in this episode:Lazy I by D RealKein Stress! by Lazy LPirata Sem Tesouro by Lazy

b&b243: It's Not that You're Lazy, It's That They're Lying to You

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

b&b242: Why We're Still A Segregated Nation

Hey there,It&apos;s Black History Month, and we&apos;re always ready to call out some sh*t about the finance industry. Here&apos;s some f*cked up history for you:The history of insurance is racist.NY Life started in the 1800&apos;s by insuring enslaved Africans lives - if a slave died, the insurance company would pay the slavemaster for their life. Fastforward to the 80&apos;s and 90&apos;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&apos;s an exploitative industry where salespeople are incentivized to take advantage of their clients. It&apos;s also one of the best ways to protect the wealth you&apos;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&apos;ll know exactly what insurance you need to buy to protect your wealth at every stage of life.Music Featured in This Episode:Dead Peasant feat Sana Sana by PAN(D)EMICR.I.P Disability [Rework] by Shawn CrutchSegregation by Ondaway

b&b241: The Racist History of Insurance & Why You Need It Anyway

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.Music Featured in This Episode:Sol Patches-Gamestop by Ians PartyStock Market by KIDD ISAIIAIH &and  PERKGrandma Got Run Over By a Hedge Fund by Live From Indoors!

b&b240: Gamestop, Short Stocks & the Smoking Barrel

We don&apos;t know about you, but we&apos;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&apos;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&apos;ll know how to knock the hustle and still have enough money to create a balanced financial life.Music Featured in This Episode:Struggle Not To Hustle by 13thmarkCan&apos;t Stop the Hustlin&apos; by  JahYutThe Tortoise Hustle by Sankofa

b&b239: You CAN Knock the Hustle

b&b238 The Stimmy Hits Back + Prop 22 + PPP Loans

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&apos;re doing it in partnership with NYC Department of Small Business Services.Music Featured in This Episode:Better Together by Liberty Jones Cooperative DVA by cooperative DVAWorkers United (will overcome) by Eve

b&b 237: Pros & Cons of Workers Co-Ops w/ Ajoke Williams & Anh-Thu Nguyen

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.

b&b236: What if you could create your ideal bank?

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&apos;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&apos;t afford to sue, so plenty of perpetrators don&apos;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 #letsdobetterMusic Featured in This Episode:Real Thieves Wear Suits by Rebel AllianzW.A.G.E.S. by James RayThrift Shop by Mister Waugh

b&b235: Slavery Never Ended Part 2: Wage Theft

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

b&b234: How to invest in yourself without spending a dime.

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!

b&b233: Does your salary reflect your value?

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.

b&b232 When it comes to investments, all times are uncertain w/ Kevin Matthews

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

b&b231 Free money for freelancers... but hurry! PPP loan deadline on 8/8!

Where personal finance & racial economic justice intersect

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Brunch & Budget

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