Get Shameless About Money

#257: Inflation Part 2 - Recipe for fighting inflation

October 13, 2022 Brunch & Budget Season 2 Episode 10
Get Shameless About Money
#257: Inflation Part 2 - Recipe for fighting inflation
Show Notes Transcript

Featured Song - INFLATION
from WAIT by herrotics
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Season 2 of the Brunch & Budget podcast will share 3 part arcs of big topics:
Part 1 is KNOW - what are the key things you need to understand about the topic, the bigger systemic picture around it, and where the racial wealth divide fits in
Part 2 is FEEL - how do you integrate the topic into your personal relationship with money and unpack the behaviors, reactions, and habits around it
Part 3 is DO - we take you through Brunch & Budget’s 5 Stages to Financial Legacy so you have clear action steps for what to do at every stage of your finances

Hosts - 

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.

Brian "Dyalekt" Kushner has been a hip-hop MC, theater maker, and educator for nearly 20 years. He’s the director of pedagogy at Pockets Change, where he uses hip-hop pedagogy to demystify personal finance and help students take control of their relationship with money. He is the recipients of Jump$tart’s 2022 Innovation in Financial Literacy award. He’s rocked (performed/taught/keynoted) everywhere from conferences like AFCPE and Prosperity Now, to stages like SXSW and the Oregon Shakespeare Festival, to classrooms that range from Yale to your cousin’s living room.

Pam & Dyalekt host the Brunch & Budget podcast and cofounded Brunch & Budget's group financial planning program for POC called See Change. They regularly keynote on how art, culture, and media are used to perpetuate racial wealth inequality.

For services check out our website 

https://brunchandbudget.com/seechange/
Follow us on Instagram @brunchandbudget

Thanks for listening to the Brunch and Budget podcast. Please feel free to rate us, debate us, hate us, on Apple podcasts or anywhere that lets you subscribe. Add us to your archives and feel free to share an episode you think can help somebody out. If you've got questions, corrections or a song about money financial systems or how you feel about either please send it to letsbrunch@brunchandbudget.com We'd love some indie artists. Don't forget to SUBSCRIBE to our newsletter by texting BRUNCH to 33777. 

Dyalekt:

When inflation got you pushing all these boulders up bigger hills and you're looking at the future tuition has given you the chills but they all frills on social you're looking for something real don't break down let's break it down over a meal. This is the brunch budget Podcast with your hosts Pamela Capalad certified financial planner and accredited financial counselor, founder of Brunch and Budget, Pockets Change and See Change. He's here to take the bite out of your budget

Pamela Capalad, CFP, AFC:

and your other host Dyalekt director of pedagogy at Pocket Change and co founder of See Change our community based financial planning and coaching program for people of color to build generational wealth. He's here to change the way we talk about finance recorded

Dyalekt:

live ish from Green House studios deep in the heart of planet Brooklyn. You gotta know when to go when to know when to brunch

Pamela Capalad, CFP, AFC:

to know where to budget. Hi, everybody.

Dyalekt:

You ever heard the one w here it was Wycleff and Pharaoh Munch and the Gambler all on one track? He was talking about you gotta count your dubplates I was like, all right. Kenny goes about dubplates. I was I love it. That was a great cultural exchange moment when people say what's the difference between cultural appropriation and appreciation? It's like, just have people in the room who know what they're talking about. There you go. There you go. That's the people in the room. Hi, we're the people in the room.

Pamela Capalad, CFP, AFC:

Thanks for letting us into your room, everybody.

Dyalekt:

And we're gonna talk about inflation. You're

Pamela Capalad, CFP, AFC:

talking about inflation

Dyalekt:

into your room, and now we're inflating.

Pamela Capalad, CFP, AFC:

This is part two, y'all. What are we gonna do about all this inflation? Oh, yeah, that was an inflating. That was actually dilate. That was not a sound effect. That was just your mouth has

Dyalekt:

been very too literal.

Pamela Capalad, CFP, AFC:

So let's talk about inflation, what you can do about it, right? Because the state of inflation is ever changing. And it's one of those things that really kind of snuck up on us. I feel like it as consumers as people who have to deal with the day to day of gas, and food and groceries and all of the stuff. I've been getting this question about inflation, the recession for months now. And what do we do?

Dyalekt:

Well, because inflation is like Christmas, right? Where you know what's coming every year? And you know, you have to do something about it. But it seems like it surprises you every time.

Pamela Capalad, CFP, AFC:

Yeah, well, and the thing about this inflation coming up is we had such a low inflation environment for so long, ever since 2008. Inflation was like 2%, maybe less, some years. And so to all of a sudden have it jumped so high, I think we're all feeling the sticker shock. Because inflate inflation, usually something that happens gradually. And right now, we saw the gas prices jump over the month, we saw interest rates drop. So I want to talk about our feelings. I want to talk about some simple things we can do. I want to give you all a recipe for fighting inflation,

Dyalekt:

whatever recipe for fighting inflation. Well, how do we do that?

Pamela Capalad, CFP, AFC:

Yes. So this recipe serves one way consumer, I feel you the prep time for this is a few hours. And the cook time is until inflation stops rising. So the first ingredient is a 7% increase in income. And you know, we wrote this recipe at the time that inflation had gone up to 7%, maybe more, maybe less by the time you're listening to this. But the thing is that one of the things that you can do to combat inflation, or to at least manage it is to ask for more money. Right?

Dyalekt:

Cool, because that's what inflation is, is other folks asking you for your more money. Yeah.

Pamela Capalad, CFP, AFC:

So you can do it on your rent too. And you know, whether or not your job can afford to or not, it's worth asking, because at the very least most jobs will give you what's called a cost of living increase, right. And that cost of living increase that percentage is actually based on inflation. So we get in the past, it's been like two 3%. So they've been able to get away with giving you two 3% of your salary as a cost of living. And now you have to ask for more.

Dyalekt:

And mind you many of these companies right now, I don't know, you know, if it's a small mom and pop you're working with but many of these companies have been seeing record profits because they've been increasing their prices along with inflation.

Pamela Capalad, CFP, AFC:

Yes, exactly. So you have the right to ask for more money to the next thing is give yourself an hour to review your expenses and make some cuts now. We're gonna talk about money personalities in a bit. But if this feels like a long time, break it up into chunks and figure out how you can make it manageable.

Dyalekt:

Well, let's pull the money personalities right up in here. The thing about it is we all have a threshold for looking at our finances. And if you are a money monk, and if you are a contemplator you have a limited threshold for looking at your money and reviewing these things partially because you're like, ah, what does this mean? Anyway, you know, all this stuff is fake. And it's true that inflation is artificial and fake. So it's money though. So if we're playing the game, we're playing the game and we've we've accepted the rules. Here's the thing,

Pamela Capalad, CFP, AFC:

we think it's going to take an hour total, to review your expenses and make some cuts. Maybe you break it up and you say, I'm going to spend 20 minutes looking at my expenses for the last month, think about what I saw, and then come back to it and figure out what I can cut, for instance.

Dyalekt:

Yeah, and the big deal of it is, is we given you these time limits, so that you give yourself a time to stop. Because it can feel a little endless. You're like, well, technically, I could stop eating out and then I don't really need to get new clothes next time. I'm like, complicated right now. Other thing, and then so gotta give yourself a place for you to say that's enough. We're not going to spend more time on this because, again, we don't want this inflation to cause an inflation in the amount of time you spend working on.

Pamela Capalad, CFP, AFC:

Exactly. So just like contemplate errs and money, monks are both people who have a limited threshold, complicated and paper chasers think they have an unlimited threshold, but we do not. So that time limit is important for all of us.

Dyalekt:

Well, I mean, after a while, though, doesn't end up being you're like tricking yourself we're supposed to pay for Chase would be like, well, you know what, this is how we're gonna flip this. And we're gonna add this and invest in that. And now we're like trying to double the amount we're making based on inflation.

Pamela Capalad, CFP, AFC:

At some point, this thought process has diminishing returns, right? At some point, it's like, okay, now you're just spinning your wheels. So try and catch yourself when that happens. Give yourself that hour, the next ingredient is moving 100% of your savings into high yield savings accounts.

Dyalekt:

And again, for folks who aren't familiar high yield, yield just like meaning Get out your way you get out your way so I can get a bigger amount. The high yield savings accounts are yielding you giving you more money, it's a higher interest rate.

Pamela Capalad, CFP, AFC:

Yes. So yield. If you just change the world yield into interest. That's literally what's happening. So high yield savings accounts that we like and use our Ally Bank, American Express savings, Barclays Marquez savings, you can also literally Google high yield savings account to try and find a high yield savings account that works for you. And the reason why we are recommending that you move your or consider moving your savings into a high yield savings account is because their interest rates, while far below the inflation rate tend to increase. As inflation increases as interest rates rise on borrowing money, high yield savings accounts, interest rates tend to rise when you're saving money in them,

Dyalekt:

there's no one thing that's going to push you past inflation, it's going to be piecemeal. And this is an important part of it. I know some of y'all like going into branches, and like being able to deposit your check in person. But that's something if you're trying to get your money to catch up with inflation, it's something you're gonna have to give up.

Pamela Capalad, CFP, AFC:

Yeah, and I will say I remember, at the very beginning of the pandemic Ally Bank was like just above 2% interest on their savings rates. And just to compare, like the big banks like Chase, and Wells Fargo and all those other places are more like point zero 1% point 1%. So it is like 200 times more savings, right? 200 times higher interest rate. But as soon as the pandemic happened, Ally Bank dropped their interest rate to below 1%. Right, because everyone was scared, we thought that the opposite of inflation was going to happen. We thought stagflation was going to happen, right? And prices would shrink, and so and the economy would shrink. And so that was their immediate reaction. And I'm seeing now like every couple of weeks Ally Bank, as inflation is rising, is I keep getting an email saying your interest rate is going up. Your interest rate is going up.

Dyalekt:

Yeah, I mean, if you look at stuff like ally in them, now they're over one like 1.2 and stuff like that. Although I gotta say stagflation does sound like a worst case scenario at prom.

Pamela Capalad, CFP, AFC:

It's like, I tried everything, and I'm still here by myself.

Dyalekt:

Nobody can get a date here by ourselves back in middle school. Today's episode is sponsored by us buckets change at pockets change we offer in person and virtual workshops for students from grade school to grad school professional development for educators and administrators and jams for the whole family to learn, unlearn and unpack. We use Hip Hop pedagogy in the classroom to meet students where they're at and hip hop performance in the communities to dispel myths and create new common sense around money. For some free resources, go to pocket change.com/toolkit. And sign up for our newsletter. Let's change the way we talk about finance.

Pamela Capalad, CFP, AFC:

So the other thing is that the other ingredient to this is to consider adding 25 to $50 more monthly into your savings account. So increasing your savings by 25.

Dyalekt:

So we're putting it all in the high yield accounts, and we're adding more into the savings. Yeah,

Pamela Capalad, CFP, AFC:

because the thing is that your savings has to keep up with inflation too. And your savings amount if things are going to cost more that means that you have to save more.

Dyalekt:

Okay, but like you say 25 to $30 more, but people are always saying the thing that's going to beat inflation is investments. So how do we do the investments?

Pamela Capalad, CFP, AFC:

So the next ingredient is one investment plan to stick to and the thing about your investment plan is If you don't want to react when the market or the economy is reacting, because everyone is emotional right now, including you. So when it comes to your investment plan, it's something that you came up with based on your goals, maybe they have to change in terms of how much you contribute to it. But also, the markets aren't doing great right now, right? As I mean, at least as of today's recording, right. So the thing about your investment plan is, now is not the time to change things up as a reaction to what's going on with inflation. If you if your plan was to change things up, because you're getting older, because your goals have changed, because your life circumstances have changed, that's fine, it makes sense to change your investment plan. If you want to change everything up, pull all your money out of investments, invest in something more risky invest in something less risky, because of inflation, that's not a reason to change your investment plan. So you have to stick to whatever plan you came up with. If this is the kind of thing where you need to talk through it with your investment advisor with your 401k advisor with someone HR, whatever it is, with a friend. That's one thing, and maybe you change it, maybe you don't, but I think it's going to be more important for you to understand why you're changing it and making sure you're not reacting emotionally,

Dyalekt:

stick to your plan, just stick to your plan. Because when it comes to making money, money is built off of having a familiar thing that works and continuing to run it until it stops working. I don't say that's good, or necessarily bad. Think of your favorite and or Least favorite long running horror franchise, the ones that you love. It's like the kids show up at the camp and then stuff happens they kill the kids and somebody survives. That's the end, right? That's the whole plot. You're happy with it. You know what goes down, it's all good and comforting. And then you show up in that one episode where they're like, actually, the lore of the backstory is that an ancient demon that hops around bodies, and it goes and you're like, wait a second, where the kids get the camp and the stuff I was used to the thing, it doesn't hold it down and actually derails a franchise go watch that horror franchise with his eight movies deep that one where they did that, and then they never do it again. Because it's like, Oh, crap that make us no money. Because that one was a reaction. They were trying to react to things and change and make things different. And hey, creativity, fun reacting changing. But in terms of making money, solidly making money, predictably making money, you stick to your formula. Ah, like the most girl capitalism. We just

Pamela Capalad, CFP, AFC:

do your plan for movies and investments. It's the same thing. I love it. I love it. The next ingredient is three deep breaths every time you pass a gas station or look at your grocery bill. Or try to rent a car. Or who knows what right. And the thing is, I will say, I have seen gas prices slowly inching down. I've seen airline ticket prices inching down because summer is over, you know, the travel bug is over. Because that's the other thing too about inflation. That's tricky is when people when when when companies and industry see that people are willing to pay more. They're like, Oh, hey, let's see how far we can push it. Right?

Dyalekt:

Yeah, that's one of the biggest toughest parts of it, you know, you're talking about the gas prices, I just, I paused and got quiet here. I just had to fade back in my head. And I remember being a young cat in New York on September 12 2001. And gas prices have never been worse than they were in that time. And all of that, like I get why. And all of that was random speculation, fear that ended up shooting all of this stuff up. And it reminds me how arbitrary the stuff is. I think when Pam was talking about taking that deep breath is when you remind yourself despite all the capitalism hanging out with we were just doing a minute ago, supporting and loving. This stuff is all fake. It's all fake. And yeah, this stuff affects you. This stuff affects you whether you want it to or not. But don't allow yourself to lose your mind and lose yourself. Just like we're saying with the investments to hold on to your plan. Hold on to your integrity and hold on to your humanity. Remember these things that really matter to you. And remember how little you actually care about gasoline? how little you know about gasoline, it's a thing that you got to use when you got to use it. But otherwise, remember, we're still here and living

Pamela Capalad, CFP, AFC:

Yeah, it's okay to let go of not having control of that thing. That's what those breaths are for. And let's not forget that oil companies made record profits this quarter. So it's super thick.

Dyalekt:

They made more that was the mean record profits. It's not like just people were buying it was

Pamela Capalad, CFP, AFC:

made more profit than they usually do, because inflation. But anyway, so the final ingredient is to make one. I don't care about inflation purchase a month, because this is for you, y'all. We talk about the spending values matrix a lot. If you're an aren't familiar with it, we have some videos on our site. But one of the spending values that we hold on to and we ask you to hold on to is that wants or needs to wants or needs to. And especially, especially in times of high stress, you need to give yourself the room and the breadth and the permission to be able to spend money on something that you just absolutely love and want,

Dyalekt:

please don't ever stop spending time, energy and money, yes, money on the things that you love, because that's what it's there for. If you stop doing that, you're probably also going to stop doing the things you need to do to save it to keep it and to make more of it.

Pamela Capalad, CFP, AFC:

Yeah, this recipe asks you to do a lot of hard things, right? So it's asking you one 7% increase in income, it's asking you to go and ask for more money from your boss, from your employer, to one hour to review expenses and make some cuts, it's asking you to restrict and budget more tightly than you have been before, to hopefully be able to manage the inflation, it's asking for you to three, move your savings into high yield savings account. So to change up your own, like financial administration, right? Open another account, you know, go through the logistics and bullshit of that. This recipe is asking you to increase your savings. So it's asking you to decrease your spending and increase your savings to four, increase your savings by 25 to$50 a month. It's asking you to not react, right? It's asking you to five stick to an investment plan. That's a lot. It's asking you to not react emotionally. It's asking you to breathe through these gas stations, right?

Dyalekt:

It's asking you to be kind of perfect and not be you not be a person and Yo, you gotta be a person, you got to be you. So we're not saying you got to spend a bunch of money. We're not saying that it needs to be expensive at all. And we're not saying that you need to find something that you don't want to just like, find a way to do it. Those things that bring you back to you choose one of them that you're not going to let go of?

Pamela Capalad, CFP, AFC:

Yeah. Yeah, that's the most important one on this list. All the other stuff got to do, you don't have to do it all. But here we are. Today's episode is sponsored by us, French and budget. French and budget is not just a podcast. It's a financial planning practice with a team of certified financial planners, and accredited financial counselors, ready to work with people who need a safe space to talk about your finances. Many of our clients come to us because someone or something made them feel bad about their money. We are the antidote to that. We do all our financial planning and coaching through a racial wealth equity lens. And we'll use our very own five stages to financial legacy to show you how far you've come and where you're headed. go to brunch and budget.com to learn more. Let's talk about the money personalities.

Dyalekt:

Yeah, so just to start off, if you answered eight for one and eight for to my complicated

Pamela Capalad, CFP, AFC:

Oh yes, you should go to brunch and budget.com/personality. If you've never taken the money personality quiz before we highly recommend it's two questions super easy, super fast.

Dyalekt:

Thanks for following me back. So if you answered a for one in April, so you might be a complicated for my car applicators, we want to let you know that this is where panic tends to set in. And I mean, it's lingering in the background, but you're starting to feel it. You notice the bills growing up, you notice everything else going up. And the budget isn't balancing the way that it used to balance. It's stressful. Again, remember that you have a plan and stick to that plan.

Pamela Capalad, CFP, AFC:

Yes. And you know, especially if your budget is not balancing out the way that used to you probably plan for that anyway, right? Inflation is affecting everyone right now. But life stuff has affected you this whole time right life stuff has affected your whole life. And so I know as a fellow complicated that you've probably plan for it in some way. And so if you need to adjust your budget if you need to adjust your savings, if you need to take some things out or put some things in whatever that means for you. Do it you made the plan. You did it

Dyalekt:

for my people who answered a for one and B for to the concentrators, y'all might think that you're doing right right now because what we're saying kind of jobs will be your vibe is and that's hiding until it goes back to normal, right be like I'm not gonna participate in this Oh, gas prices is going up. I'm gonna take a walk. We're not even going to worry about this. We're unplugging, we're unsubscribing we don't want to be overwhelmed. thing is we don't want to lose track also. So I need you to get your calendars out. My contemplator is I need you to set some times I need you to set some alarms to make yourself go and look at where things are.

Pamela Capalad, CFP, AFC:

We actually do need you to unsubscribe to all those things you may be subscribed to and forgot about and to take that hour however you have to split it up to review your expenses and make sure that you're figuring out how to take care of yourself while you can hide as much as possible.

Dyalekt:

I want to talk more about forgiveness with contemplate as I feel like I don't Don't do this enough with y'all. Because contemplate errs oftentimes will be like, You know what? Yeah, it cost more and I didn't look at it. And it's because I was lazy or because I was bad or because I was stupid, and I just didn't do it. And I should just pay for my sins, I should just pay for the bad thing that I did before. And, you know, there's no, there's no sins about this kind of stuff. It's fine if your instinct and inclination is to not rock with it. Just find make a calendar time, go and look at it. And if you've already incurred some stuff, call them back and say, Hey, can you reverse that payment? Because you should have that money? I don't care. You don't care. We don't care. Nobody cares whether or not you deserve that money. If you have that money, you can do stuff you want with it. It's really that simple.

Pamela Capalad, CFP, AFC:

Yeah. I love it. For our paper chasers out there this,

Dyalekt:

if you answered Oh, yeah, on an eight for two. Yes, thank you. Yes.

Pamela Capalad, CFP, AFC:

So if you answered B for one and a for two, and you're a paper Chaser, this is where your more more and more instinct really kicks in, you know how to make money, paper chasers, that is your thing. You know how to get extra jobs, you know how to juggle around credit card balances, you know how to play the game in the short term. And this is where that feeling of like, oh, let me play the game right now really, is going to like bubble up for you. So the thing to really think about is to figure out how to solve problems and pivot towards methods that really support you and support your community in this time.

Dyalekt:

So what Pam said about solving problems, you know, this paper chases you know, this entrepreneurs Solving problems is what businesses exist to do. They don't exist just to make money randomly. They exist to solve some sort of problem. If you're not solving a problem, what you're probably doing is exploiting people. And a number of paper chasers have been nudged and pushed into things that seemed like their problems that are being solved. But they're really methods of exploitation. And I need y'all to use your smart analytical minds to be able to parse those things, and not get into the ones that are taking advantage of folks. I mean, I'm saying this like morally, because I think it sucks to take advantage of folks. But also, trust me, y'all in the long run, that's not going to hold you down. And in the short run, it might do you dirty if you're not paying attention, and no one's paying full attention. Right now.

Pamela Capalad, CFP, AFC:

I want paper chasers, especially to think back to times where they got scammed or they felt exploited, and to try and remember what emotional state you were in. And right now, it's a really emotional time and you're going to react and you're, there are going to be moments where you get that feeling of desperation, no matter how small it is, you react to that, right? And we want you to just take a step back, and especially if you're not familiar with an opportunity, especially if you're not familiar with something new that someone presents you to give yourself extra time to really think about and analyze it and make sure that you're not just like hyping yourself up because you want a need something to work.

Dyalekt:

You know, I think everybody who answered be on the second question. So let's include money monks needs to take this extra kind of time, because with money mugs, I know what y'all are thinking, Yes, this too shall pass. And you know, I'm not gonna worry about it. Because this is just the mess of how capitalism be doing their thing. But in the midst of this, how can we just like with the Christmas thing? How can we prepare for next time? How can we make sure that we have extra savings, fun for people in our community, for ourselves for when the disasters and the disasters on top of disasters happen? We want to be able to kick back and chill and relax. But we can do that when we've made a plan because then we are relaxed, because we're prepared.

Pamela Capalad, CFP, AFC:

Yes, I love it. And the thing money monks is, especially during this time, you're going to feel like you're going to want to be more generous. And I think that figuring out the balance, because so many people are going to be struggling right now. Right. And in high inflation environment, people's bills are going up in so many different ways. And it's not just groceries is not just gas, we saw our utility bills go up, we saw rents go up. And so for money, monks, we really want you to figure out how you can be generous without taking your oxygen mask off.

Dyalekt:

Can I Can I throw a different word in there as we love the jazz thing? It's got such a positive vibe. Rather than even thinking about generous money, monks, Can y'all be proactive? Hmm, can you go ahead and start setting up everybody in the situation and looking at for success and figure out how that's going to work. And it doesn't necessarily mean you being the redistributor of things. Let yourself be the planner of it. That's all good. But feel free to abdicate a lot of the responsibilities to the people in the community so they can use their autonomy to do the stuff they need to do. That's what you support anyway. Right?

Pamela Capalad, CFP, AFC:

Yeah. Well, and the thing to remember is so money monks and people in general who answered B for the second question money monks and contemplate errs right? You tend to react to things and so what you're saying dialect does go against like your natural tendency right where you're like, I'm reacting. I'm being generous because something happen to someone. And so if you can figure out how to break out of that natural tendency, and be proactive, when we do have a little bit of time and space to do that, right, things aren't completely falling apart yet, right, hopefully by the time of this airing, but things if things aren't completely falling apart yet, but you feel that impending sense of that happening, make that plan or if you know, that's not your strength, get together with people to make that plan. You don't have to do everything money monks, you don't have to do it all

Dyalekt:

generosity, like spontaneity is best when prepared for Trust me, I've seen it in action, you can spend more money on your peoples, when you set yourself up for success. By making that plan for it. When you create the budget for the way that you're going to redistribute, then you can keep the stuff that allows you to hold yourself together and do the stuff that you try to do, you're going to feel so in control, you're going to feel so honored and the people gonna feel good because you're not going to stress over the money that you're sharing or the things that you're sharing or the stuff that you're moving around.

Pamela Capalad, CFP, AFC:

So those are our money personalities when it comes to inflation and ultimately what we want you to really think about regardless of what your money personality is, is your tendencies tend to get heightened when it feels like you're in crisis mode when it when you feel really emotional. And so if you start to feel that stress if you start to realize that you haven't been taking that breath take a step back examine your tendencies examine the worst possible version of your tendency and see if you could make a plan for how to mitigate that

Dyalekt:

sounds good to me. We're gonna go out to Manchester in the UK with a rap crew called the heretics and their song inflation and we'll check you next time

Unknown:

kingdoms to be keen on the copy this informations got a truck again the way to not never coming back again and say you know those words are gonna get stuck a tree in daytime say lines peg to the tongue crust Cushing the legs calling the edge knock can stop a routine decay room say true say me then you say focus on give a minute if it's talking morning a I say pharmaccess Creme de la rue de do the incline beyond switch up real quick buck six not signature script it ripped off or within remember that day say more true production on its own it fight this war repeats against all sleeping the beat one feature leaps into freefall deep even inside defeat leaving is not ever going to happen come down to play laughed it up I don't know after balance catching up and being a bee that colors is that not to say at all questions this masking being something more than just passing the outperform any glimpses of tomorrow complicated robbing the one for you wait to be stay in come see you?

Dyalekt:

Thanks for listening to the brunch and budget podcast please feel free to rate us debate us hate us. Data's in love infatuate us something that means you'd like us but rhymes with eight. Say what's up? Tell us we make great stuff on Apple podcasts or really anywhere that lets you come at Red at YouTube. I don't know just tell somebody like just knock on your neighbor's door. Subscribe add us to your archives feel free to share any episodes that you think will help somebody out help us expand our circle so we can bring the real to more communities. If you got a song about money, financial systems or how you feel about either please send a link or mp3 to dyalekt@dyalekt.com Figuring out how to spell it is your only real obstacle. We love some informational intentional, influential songs from indie artists.