We’ve been podcasting for four years now, which comes out to over 200 episodes. If you’re a new listener, or even one who’s “only” been with us for three years, that’s a lot of shows to catch up on. You may have wondered where to get started, or which shows were especially worth listening to and still relevant today. Well, we’ve got you covered. Below, in mostly chronological order, are ten good shows you may have missed from two or more years ago.
In Part 2 of why we believed the $72mm lie that Mohammed Islam told NY Magazine (that he made all this money investing in the stock market), we explore why we WANTED to believe his story.
America and the American Dream is built on the idea of “rags to riches” narratives, being able to come from nothing, pulling yourself up from your bootstraps, and building wealth and a legacy. But in today’s America, with the rich/poor gap growing fast and the middle class shrinking just as quickly, is this a reality for most Americans?
Lilit Kalachyan-Nurse has a thing or two to say about how to brand and market your business. A small business owner herself, Lilit has dedicated her career to doing brand strategy and marketing and will be sharing her wisdom on the show this week. She will walk us through how to figure out your company’s “why,” and from there, figure out the “what” when it comes to the strategies and tactics you should focus on and which ones would just be a waste of time.
Check her out at lknbranded.com or follow her on instagram and twitter @lilitkn!
Think getting down on one knee and shoving a diamond ring in someone’s face is romantic? Do you remember when your mom started buying you deodorant or told you it was time to start shaving your legs? Do you think a breakfast without bacon shouldn’t even count as breakfast? Are you afraid of getting herpes?
On this week’s show, we talk about some of the things we take for granted that were actually just really successful advertising campaigns. So successful that even after knowing the truth about their origins, it feels impossible to unlearn or unfeel our feelings. Join us for a fascinating trip down the advertising rabbit hole.
Shoutout to Cracked.com for a lot of the source material we researched!
I don’t know why I let Elite Daily articles rile me up, but this one called, “If you Have Savings in your 20’s, You’re Doing Something Wrong,” really struck a nerve. Link bait or not, it started a firestorm of comments and even a response article from MarketWatch.
After calming down and letting my Pam-Hulk subside, I started thinking about all the people who at the very least want this article to have some truth to it because they live this way.
So let’s go deep this week and take some time to unpack exactly what the appeal is of letting your 20’s be carefree and savings free.
Have you ever wondered:
How do medical bills of significant other impact your finances
What are tax implications of money won in a lawsuit?
What happens to my student loan debt if I die?
What happens to my credit card debt if I die?
What happens to my pets if I die?
What happens to my digital property if I die?
What happens if a relative’s Will is out of date and the people in it are no longer living?
If the only instructions in a Will were split everything equally, how do you split up personal property?
The idea for this show was prompted by someone at a workshop asking, “What happens to my student loan debt if I die before paying them off?” Morbid, right?
And, the answer, as always, is, it depends. This week, we’ll be answering money questions that you don’t want to think about, that you’re too afraid to ask, that often need to be answered when you’re at your most vulnerable.
We did it. We are aired our 100th Bondfire Radio episode. We recorded it at our Airbnb in CA. It felt like it went by so fast.
For the last 100 weeks of our lives, we created something and put it out into the world, never fail. Hopefully we educated and entertained people in the process because that was always our goal.
The world of finance is set up to be unapproachable and confusing. We are told that money is this logical, rational, emotionless thing that if we were just “smart” enough or “good” enough or whatever enough, we’d be winning at this. Otherwise, we’re failures.
Fuck. That. Shit.
Let’s review the facts:
1. Money is not an intuitive concept. We must be taught how to use it and how it functions within our society and economy. Just like you have to learn how to read or write, you have to learn how to use money.
2. We aren’t taught how to use money in schools, even though it’s something we must learn how to use. Imagine learning how to read or write by trial and error. How many people would not know how to do it? This is how we expect people to learn how to use money.
3. Money represents the ability to buy the resources that we need, but it is not the resource itself. The function of money has given us the ability to standardize the value of goods, but what it has come to represent is a person’s value to society. This is a dangerous way to measure the value of a human life.
4. Humans make mistakes. We are irrational and emotion driven. When you start off with more access to money, you are automatically at an advantage because you have more room to make mistakes and bounce back from them. Sometimes, you may judge others who have made the same mistakes and didn’t have the same resources to fix them. Be careful to check your privilege on this.
5. We as human beings are at our best when we take collective responsibility for those who are most vulnerable, who have the least resources, who need the most help. When we start to blame people for the circumstances they have found themselves in without considering where they started, we begin to turn against each other instead of taking a closer look at the true source of the problem.
6. The narrative of a bootstrap America is by design. When you tell your citizens that there is equal opportunity for everyone and we all have the same chances in life to be successful, you’ve transferred the responsibility away from the people who actually have the power and created inequality in the first place. The people in power remain in power because we are all distracted fighting over the measuring stick they sold to us.
Let’s make today’s show a milestone. Not because it’s the 100th show, but because it’s the beginning of a conversation we all desperately need to have and were too afraid to have until today. Let’s talk about money, for real.
Thank you so much for tuning in.
This was a very difficult Brunch & Budget on Bondfire Radio to do. I’m sure you can hear it in my voice. What you don’t see is me freaking out after every segment and Dyalekt having to calm me down. I am so emotionally distraught by all the shootings last week and I can’t even imagine what my friends and family who are Black and Brown are going through.
But we knew we had to do this show because we could not let this go unsaid and this question could not go unasked.
Who really benefits from racism? Who really benefits from dividing people and telling one group they’re better than another group?
On a small, micro, personal scale, a white person might get chosen over a person of color because of their race. They may go to the better school, get the job, be promoted more often.
This is all just relative.
On a bigger scale, racism, and the divisive nature of it only benefits the 1%.
The big businesses and the wealthiest people in this country needed to create an enemy before people caught on.
So they turned us against each other.
Think about it. Why are we fighting over the minimum wage job instead of asking the employer why they can’t pay a living wage?
Why do we condemn someone for being on welfare instead of the company who gets tax subsidies while making billions of dollars a year?
Why are we fighting over scraps when the 1% control 40% of the nation’s wealth?
We’ve been tricked into thinking big business will take care of us and the government won’t.
We’ve been tricked into thinking we’re different from each other.
We’ve been tricked, but we don’t have to stay blind.
When #BlackLivesMatter, all lives will matter.
As we continue our coverage of CFED’s 2016 Assets Learning Conference, we go deep on another critical topic for People of Color and closing the racial wealth gap.
Entrepreneurship is another form of ownership and a way to build wealth in the US. While certainly more risky than homeownership in some ways, it is also a way to take skills and talents that you have and create value for your community.
In this episode, we walk you through some of the biggest challenges entrepreneurs of Color face, particularly Black and Latinx folks, as they try to start, build, and sustain their small businesses, along with some of our thoughts on how to overcome these obstacles.
Welcome to the #DeadDayJobArmy, a monthly Brunch & Budget series where entrepreneurs and freelancers of Color share their stories and talk about the real. We ask folks to leave their shiny pictures and Instagram highlights at the door and tell us what it’s really like to do the work, put in the time, and devote your life to your work.
This month – James Freeman – rapper/MC and restaurant owner in Bushwick, Brooklyn. Freeman owns Sweet Science, Featherweight, and Sally Roots—where we met him while enjoying a delicious Caribbean/Crucian meal. We talked about his favorite parts about running a business, the hardest parts, and how to keep going when life becomes overwhelming.
Follow Sweet Science on social media!
(Facebook) Sweet Science
For the last episode, it depends what relationships you have, so chose one (or all) of the three below.
Forget the roses and the candy. If you want to make sure your relationship lasts past this Valentine’s Day, how do start to talk to your significant other about your finances, or, even scarier, their finances?
We’ve all heard the stats – money is the #1 cause of divorce in this country – and at the end of the day, we know it’s not about the money. It’s about fear, shame, feelings of inadequacy, and embarrassment. You’re not just sharing your financial life with someone, you’re sharing all the mistakes and missteps you feel like you’ve made in the past. Scary right?
So how do you start the money conversation with your partner? Tune in to this special Valentine’s Day episode and find out!
True stat – parents are more afraid to talk to their kids about money than they are to talk to them about sex or drugs.
At the same time, we have all picked up money habits, lessons, and philosophies from our parents and other influential adults around us and our kids are doing the same.
In today’s show, we’ll talk about how to proactively include your kids in the money conversation and teach them how to think about money and develop a healthy relationship with it from an early age.
And yes, we will definitely be talking about allowances
There are certain conversations that are always going to be uncomfortable with your parents. One is about money. Sometimes parents don’t want to feel a burden on their kid, so they may be reluctant on sharing any financial problems.
So how do you start that conversation? Holidays seem like a good time, but don’t avoid the topic for too long or it could get worse before you’re able to help. We have some tips to help you get started and some awesome resources/articles for you to check out.