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Dead Day Job Army

6 facts about money no one ever talks about

Two years ago, we aired our 100th episode of the Brunch & Budget Podcast on Bondfire Radio. In a few months, we’ll be releasing our 200th episode. We’ve learned a lot over the last 200 shows, but what we discussed for the 100th show still rings true today.

The world of finance is set up to be unapproachable and confusing, but the advice we hear sounds deceptively simple. Don’t have credit card debt. If you have debt, pay it off as fast as possible. Always have a budget. Don’t buy things you don’t need. Spend less than you make.

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 this 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.

If you've been thinking about how to become financially independent and feel stuck where you are, you're NOT crazy and we got you.

Dead Day Job Army is a group of POC who are all working towards different things with the same mindset, we'd love to have you in our next cohort.


There are 2 spots left for May and if you join by 5/4, you won't have missed a thing!
I'm in, let's do this!

Where can we, as People of Color seeking financial independence, go to get advice that isn’t from a mostly white, mostly male, mostly economically privileged perspective? 

We have a lot to learn from each other and have spent too long trying to do it alone. It's time to come out from behind closed doors and turn our conversations into action. 

Let’s start now.

I'm in, let's do this!

Get answers to questions you may be wondering about, like:

  • Who will I have to share my financial information with?
  • What will I have to share with the group?
  • Why are you doing this in a group setting? Isn’t it rude or impolite to talk about money?
  • Why are you focusing on People of Color?
  • If I’m White, can I join?
  • Isn’t this reverse racism?
  • I have tons of debt, is this something I should even be paying for?
  • Actually, what is financial planning?
Get your questions answered here!

Here for you

feel free to reach out to pam@brunchandbudget.com if you have any other questions!

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