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Top 10 Shows from 2017

It’s been another great year for the Brunch & Budget Podcast! We’ve grown our #DeadDayJobArmy and Prosperity Now (formerly CFED) segments, and reached over 180 shows. As always, we provide necessary social and economic real talk, especially focusing on entrepreneurship and context for larger economic issues and decisions you may not be actively making.

Below are the top 10 most popular shows from 2017. Take a listen or listen again and get ready for a fun and exciting 2018!

#10: Episode 149: Matt Becker on how to prepare financially for having a kid


Should you have a kid? I know, tough question. I think one of the biggest worries hopeful parents have is whether they will be able to financially support a child. Children are expensive, but we’re here to offer some advice for future parents or current parents, or even for young adults who hope to one day have them so that when the time comes you feel prepared for this huge milestone.
Matt Becker CFP, founder of MomandDadmoney.com. joined us in the studio in late March to answer all of the questions we’ve been getting about how to prepare financially for a kid. Matt is a comprehensive financial planner, financial writer/blogger, and a parent (so he gets where you’re coming from)!


#9: Episode 152: Bomopregha Julius on why you need an estate plan to end generational poverty
What happens after we die?

Estate planning, Trusts, Wills—these are things we associate with the wealthy, but do matter even after we’re gone. For this episode, we were able to talk to Bomopregha Julius, an [amazing] estate attorney, on the importance of planning even if you don’t think you have much to your name. Estate planning is still important and is often a (but not a necessarily known) link to generational poverty.


#8: Episode 163: How to protect your assets as an immigrant with Mohan Kanungo of MAF

In order to make money, one has to spend money. You’ve heard of that saying before. The whole “work hard, play hard” concept. But what happens if your entire family is working hard and don’t see any financial progress? Why is it not working? This is common and an, often, ignored cycle happening in the US, where the rich stay rich and the working class barely scrape by.

If you find yourself (or someone you know) in this situation, or have come to learn what you can do, listen to our interview with Mohan Kanungo because this episode is for everyone.
MAF [Mission Asset Fund] believes in creating pathways out of the financial shadows. They help house cleaners and restaurant owners across the U.S. save money with better credit and less debt. They do it because 50 million Americans are living in the shadows where predatory lenders lurk. From their signature social loans to their groundbreaking research, they are constantly innovating and advocating for effective, culturally relevant ways to improve economic mobility.
MAF is transforming the financial services sector so that all hardworking families have a shot at achieving their dreams. Check their site: https://missionassetfund.org/

#7: Episode 150: How to protect your digital financial footprint


We’re back with new episodes for spring! To start us off this week we had a conversation with Bex Hurwitz and Sarah of Auon Research Action Design (RAD) about how to protect your digital financial footprint. What does that mean?
Well, it goes beyond deleting your browser history. What RAD does is use community-led research, collaborative design of technology and media, and secure digital media to build the power of grassroots social movements. Bex and Sarah helped us understand the basics of digital security and offered some helpful tips and advice for anyone.


#6: Episode 161: How to quit your job & go full time freelance, Part 2

It’s becoming easier than ever to start your own business and work for yourself. About 1 in 3 Americans is currently a freelancer or a small business owner. By 2020, the number of freelancers is estimated to grow to 40%! But the idea of giving up a steady paycheck, retirement benefits, and health insurance can be daunting.
The good news is that most successful freelancers and entrepreneurs don’t just up and quit one day. They take their time to build a foundation for their business and personal finances before they leave their day jobs, and you can too.
In Part 2, we will talk about how to:
– Calculate how much you need to have saved to take the leap
– Put together 12-month cash flow projections to create measurable and concrete goals for how to financially transition to freelancing full time
– Determine the best business entity to set up as your business grows
– Separate your business and personal expenses and manage your self employment taxes
– Get the right insurance in place

#5: Episode 168: Building Habits to Overcome Fears about Money


I am not a psychologist, but I have seen a lot of clients’ common fears when it comes to their money:
– I’ve ruined everything with one mistake/one setback/one regret
– I’ve been fucking it up this whole time
– I don’t know how to get out of the situation I’ve found myself in
– If I dig into my finances, I will make it worse or find out it’s way worse than I thought it tried one habit a month.
It is okay. This is normal. We’re here to help!

#4: Episode 157: Survivorship Bias or How to Reverse-Engineer Success on a Budget


[This is survivorship bias, in a nutshell (from XKCD)]

If I did it, so can you. That phrase sound familiar? If you just work harder, if you only wanted it more, if only…Survivorship Bias can be dangerous. Hard work is definitely needed to gain success, but it’s not the only factor. By believing in this mentality we are automatically doomed into thinking if we don’t succeed then we’re failures. But the world isn’t so two-sided. There are plenty of options and ways to achieve the success you want.

#3: Episode 156: Avocado Toast and 20 other things you don’t have to give up

We’ve heard it all before: Millennials and their —insert trendy item here—
Whether it’s persistent judgment from older generations or a few hypocritical criticisms from other millennials (I’m calling you out Tomi Lahren), there is always something to be said of this generation. We decided to focus this episode on millennials and their financial decisions because according to Australian millionaire, Tim Gurner, the reason millennials can’t afford to buy homes is due to convenient expenses such as “avocado toast.”

Okay, Tim Gurner. We here at Brunch & Budget challenge your statement.

#2: Episode 158: How to quit your job and go to full time freelance, Part 1

It’s becoming easier than ever to start your own business and work for yourself. About 1 in 3 Americans is currently a freelancer or a small business owner. By 2020, the number of freelancers is estimated to grow to 40%! But the idea of giving up a steady paycheck, retirement benefits, and health insurance can be daunting.
The good news is that most successful freelancers and entrepreneurs don’t just up and quit one day. They take their time to build a foundation for their business and personal finances before they leave their day jobs, and you can too.
In Part 1, we break down how to:
– Start diversifying your income and exploring your skills with side hustle ideas
– Categorize your skills and talents and identify potential income streams and customers/clients


#1: Episode 136: Create goals and habits that last beyond the new year

New beginnings always signal a reset in our brains – a new job, new city, new relationship, a birthday, and often, the new year.
It’s a time where we reflect on what we wish we did better last year and create resolutions to tell ourselves that this year will be different.
But then we start to read goal setting articles that literally contradict each other.
Do we start small, do something in moderation, or go big?
Do we start waking up two hoursearlier every morning or listen to our internal clocks?
Do we tell our friends about our goal to hold us accountable or keep it to ourselves?
Gretchen Rubin of The Happiness Project has created personalities (we call them “Habit Personalities” on the show) that can help you filter through all the noise and decide what will actually work for you.
Much like our Money Personalities, these Habit Personalities will guide you through how to create habits and goals that work for you so they last long after new years resolutions are usually forgotten.