Podcast appearances and mentions of pamela capalad

Rivka and Frank are joined by Pamela Capalad and Dyalekt, an anti-capitalist artist power couple who co-founded a financial liberation program for creators of color called See Change. The group discusses Sylvester Stallone's 1976 American classic, Rocky, and how its characters and themes are deeply rooted in the fabric of American capitalism, from the glorification of the "pull yourself up by your bootstraps" mentality to the starving artist trope perpetuated by Stallone. They also explore Rocky as the "Great White Hope," examining the triumph of white, working-class individualism in response to the collectivism of the Black Panther Party, the Civil Rights movement, and affirmative action of the era. getshameless.com  seechangecommunity.com pocketschange.comcast

In this episode of Weird Finance, Paco talks to Pamela Capalad about the path to becoming a financial planner, building a financial literacy program for kids, the unique struggles first-generation folks have with navigating wealth building, her holistic approach to financial planning and Sea Change, a financial planning service specifically for people of color.Pamela Capalad (@brunchandbudget) 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.This episode also features The Economic Outlook with financial astrologer Susan Gidel. This is a short segment where Susan, our resident economic cosmonaut, does what many humans have done before us for thousands of years: she looks to the stars to try to understand our economic present and predict our financial futures. For more guidance from Susan, sign up for her Red Letter Trading Days newsletter.A special thanks to the talented and generous Ramsey Yount, for producing, editing, and sound designing this episode. Thank you to my friends, Jenna Parker and Gabe Sena, for lending us their voices. The theme music was written and performed by Andrew Paker, Jenna Parker, and Paco de Leon.Please enjoy!

From Life Blood Podcast - On this show, we talked about what financial literacy is not about, what it's truly about and how you can best position yourself for success with Pamela Capalad CFP, AFC, Founder of Brunch and Budget, host of the Brunch and Budget podcast and CoFounder of Pocket Change.  Listen to learn about how you can determine the best plan for your personal financial future!

BONUS: Take Charge of Your Finances | Deliberate Freelancer with Pamela CapaladToday's guest is Pamela Capalad, a certified financial planner and accredited financial counselor in Brooklyn. Pam created this really cool program called Brunch & Budget, which helps people who feel ashamed or embarrassed about money have a safe and friendly place to talk about their finances—over brunch with Pam. I think this is genius. It makes people more comfortable and really open up to Pam, whose mission is to make financial planning as affordable as possible for the communities who need it most.We didn't get into it in this episode, but Pam and her husband teach hip hop and finance workshops to kids, teens and college students across the country through a program called Pockets Change. They also host the Brunch & Budget podcast, where they discuss how personal finance and racial economic justice intersect. And—if that's not enough—they started a financial planning program designed for the needs of people of color called See Change.In this episode, learn how Pam went from working in wealth management to financial planning—first, for her friends. A conversation with a friend led to Pam's business, Brunch & Budget. While the first meeting is usually an in-person brunch, Pam then meets with clients virtually every month to help them put together a financial plan and to actually implement it.Pam goes over the most-asked questions she gets from freelancers, which includes issues related to quarterly taxes and an inconsistent income.Pam also helps freelancers figure out how to raise their rates.Pam gives us the scoop on new IRS rules that benefit freelancers—the IRS won't be charging penalties if you didn't pay your 2018 taxes on time every quarter. And going forward, they're going to less strict about freelancers paying taxes every quarter as long as you get all the taxes paid by January.Pam explains why it's important to build a good relationship with an accountant who works with freelancers.Pam is a big believer in creating a 12-month cash flow projection of how much money you anticipate you will make and what your income goals are. It's important to have monthly, quarterly and annual goals, partly because a freelancer's income can be inconsistent. That cash flow projection will help you notice income patterns as income ebbs and flows throughout the year. Then, you can plan your action steps around your income goals and track and measure whether you're hitting your income goals.She also encourages freelancers to take a VACATION when the months are low.Pam talks about how imposter syndrome relates to money—and sometimes increases as you get more successful.When you are setting your rates, you need to figure out how to take the emotion out of it. Pam admits undervaluing herself when she first started providing her financial planning services.But then Pam took the emotion out of creating her rates by making herself stick to a rule that every time she gained two or three new clients, she had to raise her rates for all future clients. She also recommends coming up with the “least I'm willing to take” rate.If you do take a project below your rate, consider what non-monetary things you can negotiate with the client—a referral, a longer contract, additional projects.Pam helps us figure out how to commit to a savings account. She recommends a “high-yield” savings account so you can gain a bit more interest than what you would at your local bank. Know what your minimum personal expenses and your minimum business expenses are each month. That way when you exceed those, a chunk of that money can go directly into your savings account.Make sure you have a separate savings account just for taxes. That money is not yours. Set aside 25–30 percent of whatever you make and pretend that money doesn't exist.From there, take your monthly inc

Description from Martinis and your Money Podcast - As most of you know, I'm a big fan of financial literacy. And I think it is equally as important a component to a successful life, just like regular literacy. The biggest challenge for most people though is that, unlike reading lessons, most of us don't get personal finance lessons in schools or at home. So it's up to us to learn a language on our own and find the best classes for our needs. This is why I love highlighting so many different resources for financial literacy and I'm excited to share another one for you today. Joining me on the podcast today are Pamela Capalad and her husband, Dyalekt. She's the founder of the financial planning company “Brunch and Budget” and together the couple has cofounded “The Race and Wealth Podcast Network” which includes the Brunch and Budget podcast as well as the organization “Pockets Change”, which creates financial literacy curriculums that are taught in schools, youth organizations or one-on-one with parents and kids. They're joining me to share how their unique backgrounds and experiences helped them to find a unique way to teach financial literacy and empowerment to underserved communities.For more information, visit the show notes at https://www.martinisandyourmoney.com/show-notes/episode378

In this episode of Weird Finance, Paco talks to Pamela Capalad about the path to becoming a financial planner, building a financial literacy program for kids, the unique struggles first-generation folks have with navigating wealth building, her holistic approach to financial planning and Sea Change, a financial planning service specifically for people of color. Pamela Capalad (@brunchandbudget) 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. This episode also features The Economic Outlook with financial astrologer Susan Gidel. This is a short segment where Susan, our resident economic cosmonaut, does what many humans have done before us for thousands of years: she looks to the stars to try to understand our economic present and predict our financial futures. For more guidance from Susan, sign up for her Red Letter Trading Days newsletter. A special thanks to the talented and generous Ramsey Yount, for producing, editing, and sound designing this episode. Thank you to my friends, Jenna Parker and Gabe Sena, for lending us their voices. The theme music was written and performed by Andrew Paker, Jenna Parker, and Paco de Leon. Please enjoy!See omnystudio.com/listener for privacy information.

WinHers United the podcast is a women empowerment platform that is based on four pillars: business, mindset, personal development, and self-care. At WinHers United we believe these four pillars are necessary to be a successful entrepreneur. During each season, bi-weekly an ah-mazing Woman of Color entrepreneur is interviewed, and tells us more about her business, mindset, personal development, and self-care journey. Season 11 Episode 1 features Pamela Capalad - Certified Financial Planner™, Accredited Financial Counselor™, and Founder of Brunch and Budget. During this episode entitled “Budget Like a Boss”, Pam encourages us to get shameless about our finances and gives us various tips and tricks to do so. By having financial conversations, assessing our finances, and making changes that work for our lifestyle we can live a guilt free life of financial freedom. Listen in as Pam talks about:  The origins of her company Brunch and Budget Removing shame from finances Making financial conversations comfortable Taking the money personality quiz on Pam's website Money trauma and healing your relationship with money Dealing with the stress often associated with money Finding financial solutions that work for you and your personality The racial wealth divide and what we can do to make a difference Having a YOLO budget for your emotional needs How your net worth does not equal your self worth  How saving is a form of self-care And more Pam's Bio 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. Check out the Pam's website at: http://brunchandbudget.com Take Pam's Money Personality Quiz at: http://brunchandbudget.com/personality Follow Pam on IG, Twitter, and TikTok @brunchandbudget How to stay engaged with and support Nicole Walker and WinHers United Get your WinHers United merch at http://winhersunited.com/shop If you have any suggested questions or topics for WinHers United the podcast send an email to: winhersunited@gmail.com. If you would like to work with Nicole, book a call at http://winhersunited.com/bookacall. If you want to support to show send your donation to: CashApp: $winhersunited http://buymeacoffee.com/winhersunited Check out the WinHers United website at: http://winhersunited.com. As always "Be Empowered and Empower On" - Nicole Walker

Episode 81 - Pamela Capalad and Dyalekt are co-hosts of the Brunch and Budget Podcast, which shares information with an underserved audience. THE PODCAST ABOUT PERSONAL FINANCE & RACIAL ECONOMIC INCLUSION: From how we bank, to how our credit scores are calculated, to how we are kept in the dark about investing, to how we pay our taxes, the system is set up for us to get caught in a debt/poverty cycle and stay running just to tread water. The rules constantly change, so the top people stay on top. What if you knew the rules and how to apply them to your financial situation? What if you could reverse your financial mistakes and start making the rules work for you? If you're ready to See Change, tune in! Check out brunchandbudget.com for more resources. WEALTH: Not getting enough clients? Book a FREE 15-minute Client Acquisition Consultation with CEO | Carter Wilcoxson to learn how.  HEALTH: Low on energy or overweight? Go to www.chemicalfreebody.com/enrichersand grab GREEN 85 Juice Formula or book a FREE 30-minute Health Strategy Session with Tim or one of his coaches.See omnystudio.com/listener for privacy information.

Pamela Capalad is mother to one son, a certified financial planner, and an accredited financial counselor, who has been in the financial services industry since 2008. She is the founder of Brunch and Budget, a financial planning company with a bold mission, to create a revolutionary shift in the lives and prospects of marginalized communities by teaching them financial literacy and helping them understand and practice building generational wealth. She joins us today today to help us learn how to raise our children to have a healthy relationship with money, and to inspire all of us to do our part to bring about true economic inclusion. Welcome Pamela to Parenting for the Future. 

Financial education is key to financial success. Without education, you're afraid to take any financial risks. This is why getting a financial advisor or planner is important. It's okay to be behind the curve on your financial knowledge. You just need to have the drive to take action. Join David Sidoni as he gets Pamela Capalad and Dyalekt from Brunch and Budget to bring their A-game today – dropping mad knowledge on all things money. Learn more about the mindset and mentality you should have when interacting with money. Discover some awesome tips on budgeting and saving that help break the cycle and beat the system. David wishes that he could have talked with them all day! Listen in for some incredible information from incredible people that want to help you, the little guy, learn how to handle your money.This podcast was started for YOU, to demystify things for first time home buyers, and help crush the confusion. After helping first timers for over 13 years, I knew there wasn't t a lot of clear, tangible, useable information out there on the internet, so I started this podcast. Help me spread the word to other people just like you, dying for answers. Tell your friends, family, and perhaps that random neighbor you REALLY want to move out about How to Buy a Home! A really easy way is to hit the share button and text it to your friends. Go for it, help someone out. And if you're not already a regular listener, subscribe and get constant updates on the market. If you are a regular and learned something, help me help others – give the show a quick review in Apple Podcasts or wherever you get your podcasts, or write a review on Spotify. Let's change the way the real estate industry treats you first time buyers, one buyer at a time, starting with you – and make sure your favorite people don't get screwed by going into this HUGE step blind and confused. Viva la Unicorn Revolution! Instagram @DavidSidoniTik Tok @howtobuyahome

Money is the #1 reason women stay in unfulfilling jobs. “I gotta pay my bills” is an universal mantra for the overworked, undervalued and most of the time under paid career woman. I've learned the hard way that getting paid, staying paid and increasing pay are all three totally distinct skill sets that require different ways of thinking and strategy. Whether you as an employee or entrepreneur getting your money right will always be in season. Pricing a product or services and hiring help is one of the most challenging parts of starting a business along with negotiating a salary and setting boundaries as an employee. Money continues to be sensitive topic for women and my guest life's work is to change that! Especially for women of color. About Pamela Capalad Pamela Capalad is a Certified Financial Planner™ and Accredited Financial Counselor™ and has been in the financial services industry since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe and friendly place to talk about it and make real financial progress. Her mission is to make financial planning as affordable as possible for the communities who need it most. She co-hosts the Brunch & Budget podcast and also runs a group financial planning program called See Change, specifically designed for People of Color. Pam has been featured in the New York Times, Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and other places you've heard of. She was named in New York Magazine's Best of New York 2019 and has brunched with over 400 people and counting. About the Show: Stories are powerful! Especially the ones we tell ourselves. Higher than This is a snack size podcast that challenges the deeply rooted narratives and limited beliefs that hold back high achieving women and continue to hinder their progress in vibrating higher in their careers and life!  About the Host: Twanna Toliver is an action-inducing and results-igniting Creative Business Coach. She is dedicated in providing ambitious women currently in corporate careers with the foundational tools to turn their creativity into a profitable business. Known for her straight-up coaching style, Twanna pushes women to breakthrough their self-limiting beliefs and shows them how to step into their seemingly impossible dreams.  Twanna proudly stands as the quintessential accountability partner for women ready to level up their income, dive into entrepreneurism and monetize their creativity. Change the narrative to vibrate higher! Higher than This. Learn More: https://www.twannatoliver.com/ Speaking & Advertising Inquiries community@twannatoliver.com Hang out with me on social media Instagram: https://www.instagram.com/twannatoliver/ Facebook: https://www.facebook.com/ToliverCreativeGroup

On the Minority Money Podcast, we talk a lot about equality and representation and why they're such an important factor in human empowerment. This week, we're taking a step back from our regularly scheduled program for a special episode dedicated to celebrating Juneteenth and Father's Day.  With this being the first federal holiday of Juneteenth, I want to shed more light on the historical context of the day and what it means to many Americans, especially African-Americans such as myself. In addition, I'll talk about the country's rising state of interest rates and what those changes mean for you and your finances. Highlights: >> The historical significance of Juneteenth >> What the rising interest and savings rates mean for us >> Quick tips to help save money If you loved this episode, you have to listen to these episodes as well:  >> https://minority-money.captivate.fm/episode/real-estate-with-intention-and-community-with-alex-salazar (Episode 152: Real Estate with Intention and Community with Alex Salazar) >> https://minority-money.captivate.fm/episode/fathers-day-special- (Episode 101: Father's Day Special!) >> https://minority-money.captivate.fm/episode/how-to-start-feeling-good-about-your-money-with-pamela-capalad (Episode 66: How to Start Feeling Good about Your Money with Pamela Capalad)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv (https://apple.co/3jN77Mv)), Spotify (https://spoti.fi/3jParH0 (https://spoti.fi/3jParH0)), Google Podcasts (https://bit.ly/3n3i8vb (https://bit.ly/3n3i8vb)), or on your favorite podcast app and SHARE THIS

Pamela Capalad, founder and CEO of Brunch & Budget, joins Lisa Dent on Chicago’s Afternoon News to talk about savvy ways you can save money if you plan on attending a destination wedding this summer. Follow Your Favorite Chicago’s Afternoon News Personalities on Twitter:Follow @LisaDentSpeaksFollow @SteveBertrand Follow @kpowell720 Follow @maryvandeveldeFollow @LaurenLapka

It's almost the New Year, which means it's the perfect time to reflect on the first year of the Mission Driven Business podcast. In this special Year in Reflection episode, Brian re-lives some of the best moments from the first 21 episodes of the podcast. You'll hear some of the insights, strengths, and hope shared by the diverse podcast guests on their respective episodes. Brian also shares some of his favorite nuggets of wisdom, and he recounts how each guests' story ties into the larger podcast theme -- that you can make money and serve a purpose. Episode Highlights There is no one definition of mission-driven business. If you've listened to the podcast, you know that the first thing Brian asks his guests is to describe what a mission-driven business means to them. That's because mission-driven businesses are distinct, and everyone has a different answer. One of Brian's favorite answers came from Phuong Luong, who shared a quote she heard in grad school. “Don't ask yourself what the world needs,” she said. “Instead, ask yourself what makes you come alive and go do that. Because what the world needs is for more people to come alive.” Regardless of their definition, Brian makes sure listeners know that your business can make money and serve a purpose. It's a point echoed by many of the guests on the podcast. In the very first episode, Dawn Hancock summarized the principle by saying, “Profit does matter. It just doesn't have to be the only thing.” But Brian Floriani may have said it most succinctly in episode 18: “No margin. No mission.” Everyone has a different journey. Every entrepreneur on the show has had a different path to their career. Brian highlighted how in episode two, Bill Bynum credited his childhood experiences as fundamental to him later running one of the largest community development financial institutions (CDFIs) in the U.S. Other entrepreneurs had numerous twists on their paths running companies with purpose and profit. In episode 13, attorney Nici Kersey shared how running her own businesses wasn't something she planned, but came after her company let her go because of a military move. Nothing is perfect. Unforeseen circumstances are a given with entrepreneurial life. In episode 11, Lauren Klafke opened up about how her work and home life adjusted when her business started booming at the same time she was caring for a newborn and overseeing a house remodel. One way to navigate unforeseen circumstances is to know your values. Perhaps the best example yet of letting your values guide you is financial planner River Nice. In episode 20, River shared how their values first guided them to leave the corporate world and try their hand at entrepreneurship, then again when defining their niche. The result is that River's day-to-day work is aligned with their strengths and values. “I'm just so happy on a day-to-day basis,” River said. “Who knew life could be this good? It feels like bragging, but that's the point, right? The point of this podcast is that life can be this good, and you can do it, too.” Learn from the experts' experiences. While it's nice to hear about purpose and values, podcast listeners have most enjoyed learning the strategies and tactics guests rely upon to run their home and work lives. In episode 16, the owners of Columbus Running Company played up the importance of community, while in episode 3, Jacob Padrón praised the merits of asking for help. But Brian particularly appreciated the insights of Nici Kersey on how to let go of perfectionism: watch baseball. “Watching baseball made me really focus more on the fact that you don't have to be perfect,” Nici said. “These players are the best in the world at being a baseball player, and they mess up all the time, right?” Self-care isn't selfish. Brian always ends the episode by asking each guest to share anything surprising they've learned on their journey. One of the most commented lines ever on the podcast came from Pamela Capalad's answer to this very question. “Running a business mostly sucks,” she said in episode 5. While running a mission-driven can suck at times, all entrepreneurs on the podcast say the freedom and fulfillment are well worth pushing the uncertainty and overcoming the inevitable obstacles. But the grit needed to do that can be hard to learn, said Mark Suh in episode 21. “That belief in yourself has to be strong enough that you don't quit,” he said. While the year has been filled with wisdom, Brian's favorite piece of advice also came from the answer to this last question when Emlen praised the importance of self-care. In episode 10, Emlen explained how incorporating self-care into his regimented schedule has helped him ultimately have a more productive day. “It was the aspect of tracking over time that made me realize, when I do this, I was a better husband, I was a better dad, I was more patient with the kids,” he said. Resources + Links Brian's Social Media: Twitter, Instagram, Facebook  Episode 1: Socially Conscious Design with Dawn Hancock Episode 2: Advancing Opportunity in the Deep South with Bill Bynum Episode 3: Values-Based Leadership with Jacob Padrón Episode 4: Taking the Entrepreneurship Leap with Phuong Luong Episode 5:  Building Brunch & Budget with Pamela Capalad Episode 6: Eradicating Entrepreneurial Poverty with Ron Saharyan Episode 7: Being Profit First with Mike Michalowicz Episode 9: Launching a Family-Run Business with Chantel Valentene and Brian Mackin Episode 10: Systems and Self-Care with Emlen Miles-Mattingly Episode 11: Setting Boundaries with Lauren Klafke Episode 13: When the Entrepreneur Life Chooses You with Nici Kersey Episode 14: Living Your Passion with George Kinder Episode 15: Equitably Investing in Cannabis with Seke Ballard Episode 16: Running a Successful Retail Business with Columbus Running Company Episode 17: Success on the Second Try with Anna Murphy Episode 18: Social Enterprise for Literacy with Brian Floriani Episode 19: Humane Marketing with Sarah Santacroce Episode 20: Defining Your Niche with River Nice Episode 21: Developing an Entrepreneurial Mindset with Mark Suh About Brian and the Mission Driven Business Podcast  Brian Thompson, JD/CFP, is a tax attorney and certified financial planner who specializes in providing comprehensive financial planning to LGBTQ+ entrepreneurs who run mission-driven businesses. The Mission Driven Business podcast was born out of his passion for helping social entrepreneurs create businesses with purpose and profit. On the podcast, Brian talks with diverse entrepreneurs and the people who support them. Listeners hear stories of experiences, strength, and hope and get practical advice to help them build businesses that might just change the world, too.

I'm replaying this January 2021 episode to hopefully motivate you, inspire you and encourage you to do some of these things if you haven't already yet this year. The year is starting to wind down, incredibly enough, so let's embrace these concepts and set up our businesses for success now. This episode might also be a good reminder of how to think like a business owner and how now to take time to improve your business. This episode goes through seven areas that I would love for you to improve upon, if you haven't already. They are: 1. Embrace a business owner mindset This idea is what this podcast is based on. Think of yourself as a freelance business owner and all that that entails. Words matter, and the words you tell yourself and others can help to change your mindset. 2. Raise your rates The pandemic has been a hard year economically too, so raising rates for all clients might not be doable. But there are some clients who fared well, and it may be time to raise your rates. It's certainly time to raise your rates for potential clients — they don't know what your past rates were! Also, if you have a secret hourly rate — which helps you determine project rates and/or is the amount you aim to earn every hour you are working for clients — I encourage you to raise it by at least $25 an hour. And don't ask your client about raising your rates. Remember, you are a business owner and costs go up. So, you can send an email and say “I wanted to let you know that my rates are going up as of such and such a date. My new rate will be this.” 3. Don't put all your eggs in one basket It's important to have anchor clients, but when you commit too much time to an anchor client or become too comfortable with that gig and that income, it can hurt you if you lose that client. Ideally, I would consider not having one client that is more than 35% of your income. When I talk about don't put all your eggs in one basket, I also mean your services. This can mean your services and/or your industry. Do you need to expand your niche to have niches that are similar? Can you use your skills to add more services for clients? 4. Don't compare yourself to others Sometimes you do this without even thinking about it. You look at others in your field, even friends of yours who are freelancers, and see their amazing careers or their clients or the big achievements they've reached. I can fall prey to this just like anyone else. We have to stop comparing ourselves to others. You are a unique individual, and your business is unique. You have different strengths and weaknesses and values and responsibilities and desires. First, social media. What social media platforms are you on often and how do they make you feel? Are you happy when you scroll through Instagram and see what people are doing and read motivational quotes? Or does it make you feel lazy or like a failure or that you need to do more? Maybe it is time to get off Instagram! This goes for all social media platforms. Take a critical look at how your viewing and interaction with these platforms make you feel. Another suggestion: Start a gratitude practice. Perhaps you want to start a gratitude journal to write down one to three simple things that you are thankful for that day. I embrace the word “savor” and try to remember to savor all the little things throughout the day. Another way to express gratitude in your life is to acknowledge and thank other people. You can still do that as a freelancer. You can let your direct client know if a staff member is really helpful on something. Complimenting and acknowledging people is like volunteering; it makes you feel good to make other people feel good. One more way to stop comparing yourself to others is to be alert for the word “should.” Anytime you say you “should” be doing something, catch yourself or have your partner or a friend call you out on it. “Should” often comes with shame and guilt. It makes you feel bad and does little to improve any situation. So stop shoulding yourself. 5. Set boundaries Boundaries tell you and those around you what is acceptable, appropriate human behavior. They vary from person to person. Knowing what your boundaries are and setting them is critical to building healthy, respectful relationships in your life. So, please check out episode #45 of Deliberate Freelancer for tips on setting boundaries. 6. Get ahold of your finances For many of us, 2020 blew up our financial goals and plans. Now that the dust has settled a bit, if you haven't already, I highly encourage you in this first quarter of 2021 to get ahold of your finances. This could be a variety of things — it will be different for everyone, If you need help with your finances, I highly recommend episode #28 of Deliberate Freelancer, with my guest Pam Capalad. Pam is a certified financial planner and a whiz when it comes to this stuff. 7. Take a vacation or staycation Plan time off now! Some freelancers tend to be bad in general about taking time off. My argument is always: If I'm going to take only 2-3 weeks of vacation a year or less, when I'm my own boss, than why am I my own boss? I shouldn't treat myself worse than an employer would. Freelancing means freedom. If you don't schedule vacations, staycations and days off, they often won't happen. Even if you can't really go anywhere because of the pandemic, you can play a staycation or other days off. I want all of you to get into a regular habit of planning and taking vacations — and DO NOT check email or do or check in on client work. That's not a vacation. It can be done. Remember, you're your own boss. You tell your clients you're going to be away. Depending on how regular the work is you may have to work ahead to get stuff done or hire a subcontractor to fill in. Or, take advantage of slow work times. You can also create working vacations, like I do in Indiana for two weeks most summers. The freedom to work anywhere gives you the flexibility to go places and keep in touch without having to completely log off work. Biz Bite: After/then habits The Bookshelf: “Behold the Dreamers” by Imbolo Mbue Resources Episode #1 of Deliberate Freelancer: Change Your Mindset: You Own a Freelance Business Episode #39 of Deliberate Freelancer: Raise Your Rates—Without Emotion Episode #23 of Deliberate Freelancer: Five Questions to Evaluate and Diversify Your Services Episode #45 of Deliberate Freelancer: You Need to Set Boundaries Episode #28 of Deliberate Freelancer: Take Charge of Your Finances, with Pamela Capalad https://tinyhabits.com/design/

Welcome back to the Minority Money Podcast and we are continuing our financial planning series. This time we are on step 5, which is all about presenting recommendations. For this week's episode, I have invited Danika Waddel, founder of Xena Financial Planning and her focus is primarily on women who work in the tech industry. Today she's going to be teaching you how financial planners should present their recommendations to their clients and how she also goes about doing that herself. So if you're planning on hiring a financial planner soon or one yourself then tune in to learn more about how the presenting recommendations stage of the financial planning process works.   Highlights >> Danikas' background  >> How Danika takes her clients through the recommendation process >> How Danika presents her one page plant to clients  >> How Danika presents her recommendations to the clients  >> Danika's advice for you  Connect with Danika   >> Website (https://bit.ly/3uLjRHi) >>  Facebook (https://bit.ly/3uP6vK6) >> Twitter (https://bit.ly/3aco9xS) >> LinkedIn (https://bit.ly/3lgbZuf) If you loved this episode, you have to listen to these episodes as well:  >> Taking Your Investing to the Next Level through Impact Investing with Jennifer Kenning (https://apple.co/3tA1Wmh) >> How to Start Feeling Good about Your Money with Pamela Capalad (https://apple.co/3oN3wRc) >> Navigating the Complexities of Finance with Scott Frank (https://apple.co/3uNcAXr)    I'm sure you're getting tons of value from the podcast! Don't forget to subscribe on Apple Podcasts (https://apple.co/3jN77Mv) , Spotify (https://spoti.fi/3jParH0) , Google Podcasts (https://bit.ly/3n3i8vb), or on your favorite podcast app andhttps://www.facebook.com/sharer/sharer.php?u=https://www.minoritymoneypodcast.com/podcast ( )SHARE THIS

Making big decisions in life is never easy, especially when it comes to making financial decisions. That is why for this week's episode I have invited a very special guest, Meg Bartelt. Meg was my mentor when I first started running my business, and since then she has made such an overwhelmingly positive impact on me-- I want her to do the same for you. From improving your decision-making to the best ways to learn financial planning, I'm sure Meg has something for you all to take away today. So if you've been experiencing difficulties with managing your finances then this episode is just for you!     Highlights  >> Meg's background  >> How Meg built her team >> How Meg developed her team >> First thing you should do before making any decision  >> Things people shouldn't stress about when it comes to their finance >> Best way to learn financial planning  >> What inspires and motivates Meg to grow >> Meg's advice  Connect with Meg  >> https://flowfp.com/ (Website) >> https://twitter.com/megbartelt?lang=en (Twitter ) >> https://www.facebook.com/flowfp/ (Facebook) >> https://www.linkedin.com/in/megbartelt/ (LinkedIn) If you loved this episode, you have to listen to these episodes as well: >> https://podcasts.apple.com/us/podcast/becoming-financially-smart-dr-david-rhoiney-black-history/id1473231134?i=1000508183520 (Becoming Financially Smart with Dr. David Rhoiney) >> https://podcasts.apple.com/us/podcast/how-to-start-feeling-good-about-your-money-pamela-capalad/id1473231134?i=1000495274431 (How to Start Feeling Good about Your Money with Pamela Capalad) >> https://podcasts.apple.com/us/podcast/secure-your-familys-future-through-estate-planning/id1473231134?i=1000473730555 (Secure Your Family's Future Through Estate Planning with Mike Bennett ) I'm sure you're getting tons of value from the podcast! Don't forget to subscribe onhttps://podcasts.apple.com/us/podcast/minority-money/id1473231134 ( Apple Podcasts),https://open.spotify.com/show/0and9szy0q9RxxQhZ2vnrf ( Spotify),https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vbWlub3JpdHktbW9uZXkv ( Google Podcasts), or on your favorite podcast app andhttps://www.facebook.com/sharer/sharer.php?u=https://www.minoritymoneypodcast.com/podcast ( SHARE THIS) with a friend. ********** Let's Continue the Conversation! Head on over to the Facebook Group and let's discuss how we can change the complexion of wealth (https://www.facebook.com/groups/423846561552747/ (https://www.facebook.com/groups/423846561552747/))    Want to chat with a fee-only financial planner? Shoot me an email at emlen@minoritymoneypodcast.com Can't wait to meet you.

As most of you know, I'm a big fan of financial literacy. And I think it is equally as important a component to a successful life, just like regular literacy. The biggest challenge for most people though is that, unlike reading lessons, most of us don't get personal finance lessons in schools or at home. So it's up to us to learn a language on our own and find the best classes for our needs. This is why I love highlighting so many different resources for financial literacy and I'm excited to share another one for you today. Joining me on the podcast today are Pamela Capalad and her husband, Dyalekt. She's the founder of the financial planning company “Brunch and Budget” and together the couple has cofounded “The Race and Wealth Podcast Network” which includes the Brunch and Budget podcast as well as the organization “Pockets Change”, which creates financial literacy curriculums that are taught in schools, youth organizations or one-on-one with parents and kids. They're joining me to share how their unique backgrounds and experiences helped them to find a unique way to teach financial literacy and empowerment to underserved communities.   For more information, visit the show notes at https://www.martinisandyourmoney.com/show-notes/episode378

What do hip-hop pedagogy and brunch have to do with breaking down the racial wealth divide? We found out in this episode of Real Money, Real Experts.Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson speak with Pamela Capalad, CFP®, AFC®, founder of Brunch & Budget, and Dyalekt, Host of the Brunch & Budget Podcast, Workshop MC, and See Change MC.Brunch & Budget is a financial planning program created to give everyone safe, friendly, and affordable places to talk about money and make real financial progress. In this interview, the group discusses why financial coaches and counselors need to understand the systematic challenges faced by clients of color, how these challenges impact their relationship with money, and how we can meet our clients where they are through a lens of equity and inclusion.    Show Notes:00:52 Pamela Capalad and Dyalekt Introduction02:10 Pamela's Journey to the Field of Finance04:52 Dyalekt's Journey & Infusing Music and Art into Financial Literacy09:16 Origins of Brunch and Budget13:05 The Racial Wealth Gap16:28 See Change – Integrating the Racial Wealth Divide into Financial Coaching19:54 Resources on the Racial Wealth Gap21:20 Pamela & Dyalekt's Two Cents  Show Note links:Get in contact with Brunch & Budget:Instagram: https://www.instagram.com/brunchandbudget/Twitter: https://twitter.com/brunchandbudgetBrunch & Budget Website: https://brunchandbudget.com/Brunch & Budget Podcast: https://brunchandbudget.buzzsprout.com/Pockets Change Website: http://www.pocketschange.com/Resources on the Racial Wealth DivideRace & Wealth Podcast: https://raceandwealth.buzzsprout.com/Prosperity Now: https://prosperitynow.org/National Community Reinvestment Coalition (NCRC): https://ncrc.org/The Color of Money: Black Banks and the Racial Wealth Gap: https://www.amazon.com/Color-Money-Black-Racial-Wealth/dp/0674237471/ref=asc_df_0674237471/?tag=hyprod-20&linkCode=df0&hvadid=312243616995&hvpos=&hvnetw=g&hvrand=4652926880038556144&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9007563&hvtargid=pla-660086380255&psc=1Color of Law book: https://www.barnesandnoble.com/w/the-color-of-law-richard-rothstein/1124822159

More shame, more problems. Summary Suz is joined by Brunch & Budget founder, Pamela Capalad and Brian 'Dyalekt' Kushner to talk about the link between your finances and your mental health, why the systems around us have been built for us to fail, and how to take back control of your wealth. For all links, resources, and free downloads from this bonus episode, visit the full set of show notes here: http://therockstaradvocate.com/ep106 THANKS FOR LISTENING! If you liked what you heard, help get this podcast in front of others by subscribing, rating, and leaving a review using your favorite podcast app Spotify | iTunes | Stitcher | RSS Feed

Brian talks with Pamela Capalad, a CFP, Accredited Financial Counselor (AFC), and the founder of Brunch & Budget. Through Brunch & Budget, Pam helps people who feel ashamed or embarrassed about money have a safe and friendly place to talk about it and make real financial progress. Pam shares why it's important to tackle both the technical and emotional sides of money and why running a business mostly sucks.

Managing finances is one area of business that all freelancers and small business owners have to deal with on a regular basis, and translators and interpreters are no exception. Owning a small business often means that you wear many hats, and, let’s face it, the role of CFO, or Chief Financial Officer, is one that a lot of us struggle with or even dread. We often hear colleagues ask questions about managing the financial side of their business and financial planning, and we’re interested in these topics too. And because the financial side of a business is so vital to get right, it’s always best to ask a professional.So, to discuss this topic with us today, we’ve invited a special guest: Certified Financial Planner and Accredited Financial Counselor Pamela Capalad.Pamela has been in the financial services industry since 2008. She founded Brunch & Budget to help people who felt ashamed or embarrassed about money have a safe and friendly place to talk about it and make real financial progress. Her mission is to make financial planning as affordable as possible for the communities who need it most. She co-hosts the Brunch & Budget podcast and co-founded the Race & Wealth Podcast Network. She also runs a group financial planning program called See Change, specifically designed for People of Color. Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and other places you’ve heard of. She was named in New York Magazine’s Best of New York 2019 and has brunched with over 400 people and counting. Here’s a summary of our conversation with Pam:• Who she serves and what services she offers• How Pam started Brunch & Budget and how her business evolved over time• What her typical workday looks like and what changes she had to make due to the COVID-19 pandemic• What mindset shifts or changes she typically sees her freelance clients go through• What mistakes freelancers usually make when it comes to financial habits and how to avoid them• Pam’s tips on responsible spending for freelancers, saving up for big-ticket items, and planning for retirement• What questions freelancers should ask when they are looking for a financial planner• How Pam protects boundaries between her work and personal life• What other smart habits have been crucial in her careerRESOURCES WE MENTIONED IN THIS EPISODE:• Learn more about Brunch & Budget• Listen to the Brunch & Budget podcast and the Race & Wealth podcast• Follow Brunch & Budget on Instagram, YouTube, and Facebook• Take Charge of Your Finances: Pamela’s interview on the Deliberate Freelancer podcast• Episode 18: Creating a Four-Day Work Week With Matt Baird• Emergent Strategy: Shaping Change, Changing Worlds by Adrienne Maree BrownGet a full list of links and resources for this episode:https://smarthabitsfortranslators.com/podcast-episodes/40

Pamela Capalad is the Founder and Lead Financial Advisor at Brunch & Budget whose core focus is to be the catalyst for a power shift and believes that personal finance is a revolutionary act. HMM's Sina Basila Hickey talked with Pamela about the concept behind her business, our relationships with our finances, the racial wealth divide, and the Brunch & Budget podcast.

In this episode of Your Story Medicine, I welcome Pamela Capalad and Dyalekt, Founder and Certified Financial Planner of Brunch & Budget, a company that provides the space to have real, open, and vulnerable conversations about finances. As you uncover what you really value and what you truly want your life to look like, they help you put in motion the strategies and tactics that will bring you financial clarity. Brunch & Budget is about sharing and building together on common ground.  Pamela and Dyalekt speak about why people of color have aversions towards talking about finance and why it's important for us, especially as people who have deep ancestral trauma regarding money and wealth, to have these conversations and to work to build a healthy relationship with money. They explain the four different money personality types and how they relate to our financial habits, as well as what they're personally working on releasing and how they plan to ground themselves more in 2021. Learn more about Brunch & Budget: Visit their website: www.brunchandbudget.com  Follow him on Instagram: www.instagram.com/brunchandbudget  Listen to the Brunch & Budget podcast: www.brunchandbudget.buzzsprout.com  Resources mentioned: Take the Money Personality Quiz: www.brunchandbudget.com/personality  Pockets Change: www.pocketschange.com

Today, I want to hopefully motivate you, inspire you and encourage you to consider the aspects of your business that need improvement or to make a plan to work on things that you personally struggle with. This episode goes through seven areas that I would love for you to improve upon, if you haven’t already. They are:   Embrace a business owner mindset This idea is what this podcast is based on. Think of yourself as a freelance business owner and all that that entails. Words matter, and the words you tell yourself and others can help to change your mindset.   Raise your rates The pandemic has been a hard year economically too, so raising rates for all clients might not be doable. But there are some clients who fared well, and it may be time to raise your rates. It’s certainly time to raise your rates for potential clients — they don’t know what your past rates were!   Also, if you have a secret hourly rate — which helps you determine project rates and/or is the amount you aim to earn every hour you are working for clients — I encourage you to raise it by at least $25 an hour.   And don't ask your client about raising your rates. Remember, you are a business owner and costs go up. So, you can send an email and say “I wanted to let you know that my rates are going up as of such and such a date. My new rate will be this.”   Don’t put all your eggs in one basket It’s important to have anchor clients, but when you commit too much time to an anchor client or become too comfortable with that gig and that income, it can hurt you if you lose that client. Ideally, I would consider not having one client that is more than 35% of your income.   When I talk about don’t put all your eggs in one basket, I also mean your services. This can mean your services and/or your industry. Do you need to expand your niche to have niches that are similar? Can you use your skills to add more services for clients?   Don’t compare yourself to others Sometimes you do this without even thinking about it. You look at others in your field, even friends of yours who are freelancers, and see their amazing careers or their clients or the big achievements they’ve reached. I can fall prey to this just like anyone else.   We have to stop comparing ourselves to others. You are a unique individual, and your business is unique. You have different strengths and weaknesses and values and responsibilities and desires.   First, social media. What social media platforms are you on often and how do they make you feel? Are you happy when you scroll through Instagram and see what people are doing and read motivational quotes? Or does it make you feel lazy or like a failure or that you need to do more? Maybe it is time to get off Instagram! This goes for all social media platforms. Take a critical look at how your viewing and interaction with these platforms make you feel.     Another suggestion: Start a gratitude practice. Perhaps you want to start a gratitude journal to write down one to three simple things that you are thankful for that day. I embrace the word “savor” and try to remember to savor all the little things throughout the day.   Another way to express gratitude in your life is to acknowledge and thank other people. You can still do that as a freelancer. You can let your direct client know if a staff member is really helpful on something. Complimenting and acknowledging people is like volunteering; it makes you feel good to make other people feel good.   One more way to stop comparing yourself to others is to be alert for the word “should.” Anytime you say you “should” be doing something, catch yourself or have your partner or a friend call you out on it.   “Should” often comes with shame and guilt. It makes you feel bad and does little to improve any situation. So stop shoulding yourself.   Set boundaries Boundaries tell you and those around you what is acceptable, appropriate human behavior. They vary from person to person. Knowing what your boundaries are and setting them is critical to building healthy, respectful relationships in your life. So, please check out episode #45 of Deliberate Freelancer for tips on setting boundaries.   Get ahold of your finances For many of us, 2020 blew up our financial goals and plans. Now that the dust has settled a bit, if you haven’t already, I highly encourage you in this first quarter of 2021 to get ahold of your finances. This could be a variety of things — it will be different for everyone,   If you need help with your finances, I highly recommend episode #28 of Deliberate Freelancer, with my guest Pam Capalad. Pam is a certified financial planner and a whiz when it comes to this stuff.   Take a vacation or staycation Plan time off now! Some freelancers tend to be bad in general about taking time off. My argument is always: If I’m going to take only 2-3 weeks of vacation a year or less, when I’m my own boss, than why am I my own boss? I shouldn’t treat myself worse than an employer would. Freelancing means freedom. If you don’t schedule vacations, staycations and days off, they often won’t happen.   Even if you can’t really go anywhere because of the pandemic, you can play a staycation or other days off.   I want all of you to get into a regular habit of planning and taking vacations — and DO NOT check email or do or check in on client work. That’s not a vacation.   It can be done. Remember, you’re your own boss. You tell your clients you’re going to be away. Depending on how regular the work is you may have to work ahead to get stuff done or hire a subcontractor to fill in. Or, take advantage of slow work times.   You can also create working vacations, like I do in Indiana for two weeks most summers. The freedom to work anywhere gives you the flexibility to go places and keep in touch without having to completely log off work.   Biz Bite: After/then habits   The Bookshelf: “Behold the Dreamers” by Imbolo Mbue   Resources   Episode #1 of Deliberate Freelancer: Change Your Mindset: You Own a Freelance Business   Episode #39 of Deliberate Freelancer: Raise Your Rates—Without Emotion   Episode #23 of Deliberate Freelancer: Five Questions to Evaluate and Diversify Your Services   Episode #45 of Deliberate Freelancer: You Need to Set Boundaries   Episode #28 of Deliberate Freelancer:  Take Charge of Your Finances, with Pamela Capalad   https://tinyhabits.com/design/

It’s incredibly hard to get into the financial industry. But what is more difficult is staying in it. To make the financial industry more inclusive, and serve more people of color and provide them with the financial services that they need, I’m bringing in another incredible guest who has done awesome stuff for the industry and for the people of color community! Join me in this episode as I interview the “Financial Planner for the Rest of Us”, Lazetta Rainey Braxton, MBA, CFP! She is wealth manager & investment advisor, entrepreneur, speaker, writer, and the Co-Founder and Co-CEO of 2050 Wealth Partners, a virtual financial planning and wealth management firm with a mission to provide access to financial planning for “the rest of us.”  Lazetta believes that solid financial advice is not just for the 1%. Her work involves elevating people of color, specifically the black community. We’re going to talk about the underrepresentation of black advisors and how it affects black families. We also touch on the topic of diversity, equity and inclusion, and how we can create an environment where people feel included. And help minorities build wealth! Highlights: >> The under representation of black advisors in the financial industry >> How does the lack or under representation of black advisors affect black families >> Unique challenges that financial advisors of color experienced >> How learning financial planning gives people of color a unique type of independence >> Diversity, networking, and connecting with people >> What diversity, equity, and inclusion means for Lazetta >> The best thing non-poc can do for to support their poc colleagues/friends >> How to make the financial industry and profession more inclusive Resources mentioned from this episode: >> Lazetta’s Social Media: https://www.linkedin.com/in/lazettabraxton (LinkedIn) https://twitter.com/lazettabraxton (Twitter) >> https://www.financial-planning.com/ (Financial Planning) >> https://www.2050wealthpartners.com/ (2050 Wealth Partners) >> https://www.financial-planning.com/opinion/lazetta-braxton-share-white-privilege-in-wealth-management (6 ways to recognize and share white privilege in wealth management) If you loved this episode, you have to listen to these episodes as well: >> https://www.minoritymoneypodcast.com/podcast/episode/2f6553dd/how-to-start-feeling-good-about-your-money-with-pamela-capalad (How to Start Feeling Good about Your Money with Pamela Capalad) >> https://www.minoritymoneypodcast.com/podcast/episode/3b5d9fdb/you-are-what-you-absorb (You Are What You Absorb) >> https://www.minoritymoneypodcast.com/podcast/episode/1e31388a/gaining-financial-confidence-through-money-talks-with-jen-hemphill (Gaining Financial Confidence Through Money Talks with Jen Hemphill) --- I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on https://podcasts.apple.com/us/podcast/minority-money/id1473231134 (Apple Podcasts), https://open.spotify.com/show/0and9szy0q9RxxQhZ2vnrf (Spotify), https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vbWlub3JpdHktbW9uZXkv (Google Podcasts), or on your favorite podcast app and https://www.facebook.com/sharer/sharer.php?u=https://www.minoritymoneypodcast.com/podcast (SHARE THIS) with a friend. ********** Let's Continue the Conversation! Head on over to the Facebook Group and let’s discuss how we can change the complexion of wealth (https://www.facebook.com/groups/423846561552747/ (https://www.facebook.com/groups/423846561552747/))  Want to chat with a fee-only financial planner? Shoot me an email at emlen@minoritymoneypodcast.com Can't wait to meet you.

What would you do differently if you knew how to handle your money? Being knowledgeable about your money and finance, is the ticket to living a financially sound life. Money talks can be quite intimidating for some especially for minorities. However if you take the time to educate yourself and learn more about how to manage and grow your money, it can be empowering, and you'll have control over your finances. Learn how to be smarter with every dollar you earn as my good friend, Pamela Capalad, the founder of Brunch & Budget joins us in this episode to talk about how you can change your relationship with money and focus on what matters most to you! Pam will share how the idea of Brunch & Budget came to be and how she is empowering people of color to feel good about their money! She also talks about the value of financial education, saving up, budget, and how to wisely handle your money. We also touch on the topic of navigating homeownership, racial wealth divide, and business model that can help serve more people. Highlights: >> What is Brunch & Budget? >> The inspiration behind Brunch & Budget >> How Pam got into the field of finance >> Navigating homeownership >> Breaking down the racial wealth divide >> The idea of keeping money in a savings account >> Stories that helps us understand the racial wealth divide >> Business models that can help serve more people >> Changing your relationship with money >> How to feel good about your money Resources mentioned from this episode: >> https://brunchandbudget.com/ (Brunch & Budget) >> Pam's Social Media: https://www.linkedin.com/in/pamelacapalad (LinkedIn) If you loved this episode, you have to listen to these episodes as well: >> https://www.minoritymoneypodcast.com/podcast/episode/4341e101/teach-hustle-inspire (Teach, Hustle Inspire) >>https://www.minoritymoneypodcast.com/podcast/episode/fd1a2f45/financial-planning-for-educators (Financial Planning for Educators) >> https://www.minoritymoneypodcast.com/podcast/episode/fd5c4e3c/secure-your-familys-future-through-estate-planning-with-mike-bennett (Secure Your Family’s Future through Estate Planning) --- I’m sure you’re getting tons of value from the podcast! Don’t forget to subscribe on https://podcasts.apple.com/us/podcast/minority-money/id1473231134 (Apple Podcasts), https://open.spotify.com/show/0and9szy0q9RxxQhZ2vnrf (Spotify), https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vbWlub3JpdHktbW9uZXkv (Google Podcasts), or on your favorite podcast app and https://www.facebook.com/sharer/sharer.php?u=https://www.minoritymoneypodcast.com/podcast (SHARE THIS) with a friend. ********** Let's Continue the Conversation! Head on over to the Facebook Group and let’s discuss how we can change the complexion of wealth (https://www.facebook.com/groups/423846561552747/ (https://www.facebook.com/groups/423846561552747/))  Want to chat with a fee-only financial planner? Shoot me an email at emlen@minoritymoneypodcast.com Can't wait to meet you.

Who else is wondering why school never taught us about personal finance?! It’s the lesson we wish we had and something we all need! This week we bring on Pamela Capalad, a Certified Financial Planner and host of her own podcast call “Brunch and Budget”! Pamela shares us practical tips on how to get our finances in order, healthy financial habits, and explains to us the basics of finance. It’s time to get that BREAD and learn what to do with it!

Today’s guest is Pamela Capalad, a certified financial planner and accredited financial counselor in Brooklyn. Pam created this really cool program called Brunch & Budget, which helps people who feel ashamed or embarrassed about money have a safe and friendly place to talk about their finances—over brunch with Pam. I think this is genius. It makes people more comfortable and really open up to Pam, whose mission is to make financial planning as affordable as possible for the communities who need it most. We didn’t get into it in this episode, but Pam and her husband teach hip hop and finance workshops to kids, teens and college students across the country through a program called Pockets Change. They also host the Brunch & Budget podcast, where they discuss how personal finance and racial economic justice intersect. And—if that’s not enough—they started a financial planning program designed for the needs of people of color called See Change. In this episode, learn how Pam went from working in wealth management to financial planning—first, for her friends. A conversation with a friend led to Pam’s business, Brunch & Budget. While the first meeting is usually an in-person brunch, Pam then meets with clients virtually every month to help them put together a financial plan and to actually implement it. Pam goes over the most-asked questions she gets from freelancers, which includes issues related to quarterly taxes and an inconsistent income. Pam also helps freelancers figure out how to raise their rates. Pam gives us the scoop on new IRS rules that benefit freelancers—the IRS won’t be charging penalties if you didn’t pay your 2018 taxes on time every quarter. And going forward, they’re going to less strict about freelancers paying taxes every quarter as long as you get all the taxes paid by January. Pam explains why it’s important to build a good relationship with an accountant who works with freelancers. Pam is a big believer in creating a 12-month cash flow projection of how much money you anticipate you will make and what your income goals are. It’s important to have monthly, quarterly and annual goals, partly because a freelancer’s income can be inconsistent. That cash flow projection will help you notice income patterns as income ebbs and flows throughout the year. Then, you can plan your action steps around your income goals and track and measure whether you’re hitting your income goals. She also encourages freelancers to take a VACATION when the months are low. Pam talks about how imposter syndrome relates to money—and sometimes increases as you get more successful. When you are setting your rates, you need to figure out how to take the emotion out of it. Pam admits undervaluing herself when she first started providing her financial planning services. But then Pam took the emotion out of creating her rates by making herself stick to a rule that every time she gained two or three new clients, she had to raise her rates for all future clients. She also recommends coming up with the “least I’m willing to take” rate. If you do take a project below your rate, consider what non-monetary things you can negotiate with the client—a referral, a longer contract, additional projects. Pam helps us figure out how to commit to a savings account. She recommends a “high-yield” savings account so you can gain a bit more interest than what you would at your local bank. Know what your minimum personal expenses and your minimum business expenses are each month. That way when you exceed those, a chunk of that money can go directly into your savings account. Make sure you have a separate savings account just for taxes. That money is not yours. Set aside 25–30 percent of whatever you make and pretend that money doesn’t exist. From there, take your monthly income, subtract the minimum personal and business expenses and put the rest in savings. Pam touches on the supposed upcoming recession. Planning for a recession or an income loss is helped by having a savings account. A potential loss of income is also why it’s important to diversify where your income is coming from—so strive to have several clients and not rely too much on one big client. Pam believes in paying yourself first. Think of your savings account as another bill you have to pay. Think of savings as “self care”—a way to take care of your future self. Pam also recommends having a separation between your business and personal expenses. Don’t co-mingle those—it makes it harder to figure out taxes and track your income and goals. Plus, freelancers are 10x more at risk for audits, so plan ahead for that. Furthermore, you can pay yourself like a regular employee into your personal checking account, which makes budgeting for personal expenses easier. Having all your business expenses on one, separate credit card makes it easier to track also. But note that you can’t use credit card statements for an audit, so continue to save your receipts.   Biz Bite: Outsource! Hire out for work you hate.   Resources: Brunch & Budget Brunch & Budget 12-Month Cash Flow Projection Template—Download and use this worksheet! (Thanks for sharing, Pam!) Great article about Pam and her husband in Forbes, “This Couple Created A Multilevel Curriculum To Teach All Ages Financial Literacy.” Brunch & Budget on Twitter Brunch & Budget on Instagram

In the inaugural episode of That Makes Cents, we are joined by eMoney CEO Ed O’Brien and Pamela Capalad of Brunch & Budget, as they discuss the recent results of a survey that found more than half of Americans avoid discussing their personal finances.  Among other topics discussed in the episode: What areas within personal finance are the hardest to talk about, and why that’s the case The shortcomings of some common financial advice Why “spend shaming” is counterproductive How spending is a proxy for exerting control in life How technology can help financial advisors talk to their clients For more information on eMoney Advisor: https://emoneyadvisor.com/ For more information on Brunch & Budget: https://brunchandbudget.com/ For more information on the eMoney Advisor Summit: https://info.emoneyadvisor.com/summit-2019 Full That Makes Cents archives: https://info.emoneyadvisor.com/podcast DISCLAIMER Please be advised that this podcast contains purely educational information and nothing discussed may be construed as legal, tax, or financial advice. Please consult a financial advisor for any financial investment or money management questions you may have of views or opinions represented on this podcast are solely the opinion of the speaker and do not represent those of eMoney Advisor LLC or any of its affiliates or subsidiaries. 

Pamela Capalad, CFP®, and Dyalekt focus on meeting people where they are in their journey. They take away the suits, the big desks, and the pretense of anyone being an authority figure in their educational programs, and in Pam’s financial planning practice.   https://www.2050trailblazers.com/episode/s03e05

Premiere Episode of our new show from the makers of Race & Wealth!Dedrick and Dyalekt welcome new co-host CFP and finance educator Pamela Capalad. The untractable trio tackle the reciprocal relationship between culture and the racial wealth divide. In this episode they discuss the legacy of Nipsey Hussel, and the age old question: What about White People? Recorded at Backwoodz Studioz. Beats by euphAm & domer. "Preach to the Choir" theme by Dyalekt & Cherrye J Davis.B/W "I See White People" by MC Friendlyhttps://yhsrecords.bandcamp.com/track/i-see-white-peopleNCRC.org @dedrickmBrunchandBudget.com @brunchandbudgetdyalekt.com @dyalektrapsBackwoodzstudioz.com @BackwoodzHipHop

In today’s episode, we’re in New York City to join Pamela Capalad, a certified financial planner who’s blended her expertise in financial planning with her passion for educating and serving people of color, while leading a hip-hop-based financial education for children as well. You’ll hear how Pamela Capalad grew her business beyond $300,000 per year in short order, with a deeply satisfying ‘Brunch and Budget’ business that gives back to under-represented communities through financial education. Pamela shares the details on her career path, how she ended up in financial planning and why brunch plays such a big part in her practice. She also give us her insights on the process of creating her own financial planning firm - Brunch & Budget - after noticing many of her colleagues were socializing with her to ask questions about budgeting, credit card debt and 401(k)s. But she didn’t stop there, she also runs the group financial coaching business, See Change Financial, and Pockets Change, the educational literacy program for children. If you’re new to the industry or considering financial planning at any level, Pam’s story and experience will leave you inspired and help you see your own business in a whole new and creative way. Subscribe for new episodes at http://freelancetofounder.com. Sponsors - Gusto: Making payroll, benefits, and HR easy for small businesses - just like yours. Sign up here to get 3 months completely free when you run your first payroll. - Pactly is the first easily accessible AI based contract review tool aimed to help freelancers and small businesses understand contracts better and faster. Visit pac.sg/FTF  to use Pactly completely free forever. When you’re ready to upgrade, use FTF30OFF to save 30% on any paid plan. - Hover: Every great idea deserves a great domain name. With literally hundreds of extensions to choose from, Hover focuses on helping you register a domain which can then be connected to virtually any webhost you choose. Go to hover.com/FTF to save 10% on your first domain. - BlockStack: Take back your digital rights. Try a new generation of apps that put you in control. Private, secure, and you own your data. Always. Visit blockstack.org/FTF to learn more and see real stories of developers and entrepreneurs using Blockstack to make a difference. If you enjoyed the show, please leave us an honest rating on iTunes. Freelance to Founder is a production of Millo—you can learn more at Millo.co. For more actionable content directly from the blog, next, try reading: 'How to Start a Blog and Make Money'. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this show, we talked about what financial literacy is not about, what it's truly about and how you can best position yourself for success with Pamela Capalad CFP, AFC, Founder of Brunch and Budget, host of the Brunch and Budget podcast and CoFounder of Pocket Change.  Listen to learn about how you can determine the best plan for your personal financial future! For the Difference Making Tip, scan ahead to 17:38 . You can learn more about Pamela at BrunchAndBudget.com,  LinkedIn, Facebook, Twitter, Instagram. Click here for the Brunch and Budget podcast. Please subscribe to the show however you’re listening, leave a review and share it with someone who appreciates good ideas.  You can learn more about the show at GeorgeGrombacher.com, or contact George by clicking here.

Financial Planner and Brunch & Budget founder, Pamela Capalad joins us in the first part of our special two part series on debt. We discuss strategies for managing credit card balances and scores, methods for improving our financial health and savings and why all debt isn't necessarily a bad thing. Plus, Ask Joblogues and more!This episode is brought to you by OneUnited Bank – America’s Largest Black Owned BankConnect with OneUnited Bank:oneunited.com | @oneunited | facebook.com/oneunitedbankConnect with Pamela:@brunchandbudget | brunchandbudget.comSend us your questions:joblogues.com/askjobloguesKeep up with us around the web:@joblogues | @cleveoutloud | @heymissparkerr | joblogues.com See acast.com/privacy for privacy and opt-out information.

Episode 92

The first step to getting your money right is figuring out your money personality. We’re back again with financial planner Pamela Capalad. Find out if you are a Money Monk, an Avoider, a Worrier or an Amasser. See acast.com/privacy for privacy and opt-out information.

In this episode, Dedrick Asante-Muhammad is featured on the Brunch and Budget (http://brunchandbudget.com/) podcast with Pamela Capalad and Dyalekt over Martin Luther King Jr Day weekend. Brunch and Budget is a podcast out of New York City that focuses on personal finances and issues around finance affecting people of color. In this podcast, Pamela and Dyalekt talk to Dedrick about how he got into racial economic inequality and Dedrick discusses the racial wealth divide itself. If you haven't heard of Brunch and Budget before, please check them out at the link above!42 Million Americans Experience Hunger Each Year. I'm One of Them. by Asia Thompson https://talkpoverty.org/2017/01/10/42-million-americans-experience-hunger-each-year-im-one-of-them/The following is a link to the discussed 1967 freedom budgethttp://www.prrac.org/pdf/FreedomBudget.pdf