Brunch & Budget

Paperwork Part 1: It’s not you, it’s the paperwork

December 01, 2022 Brunch & Budget Season 2 Episode 16
Brunch & Budget
Paperwork Part 1: It’s not you, it’s the paperwork
Show Notes Transcript

Featured Song - Gettahead
from No Paperwork by L.A.Z
Download song

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:

Once you push that boulder up the hill there's paperwork to fill and you got to do it in triplicate and that's given you chills then verify it on social by now you ought to know the drill let's be real there's a lot more tea to spill. This is the brunch budget podcast your hosts Pamela Capalad, a 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 the Director of Pedagogy at Pockets Change and co-founder of See Change. He's here to change the way we talk about finance recorded live

Dyalekt:

ish from greenhouse studios deep in the heart of planet Brooklyn. What the world eats now is brunch and budget. It's the only thing and the thing that there's just too little love is it doesn't make it funny if we always laugh.

Pamela Capalad, CFP, AFC:

I always think it's funny. Right? laughter I wasn't prepared for your ad libs. You

Dyalekt:

thought it was funny because we thought it was funny. Also the part where we were not able to be in synchronicity that

Pamela Capalad, CFP, AFC:

was sketchy. All right.

Dyalekt:

We're like an SNL skit but maybe better research.

Pamela Capalad, CFP, AFC:

Just a little bit. So I love that you change the rhymes in the song every time and this one about paperwork was just so prime for so good.

Dyalekt:

Well, that was that was a good rhyme that you just did. Y'all hear the PAM bars the prime and yeah,

Pamela Capalad, CFP, AFC:

there you go. There you go. paperwork to fill giving you chills. That's right, everybody. Today we are talking about paperwork. So we're here to tell you that it's not you. It's the paperwork.

Dyalekt:

So what does that mean that the paperwork is breaking up with us?

Pamela Capalad, CFP, AFC:

Yeah, the paperwork is breaking up with us. Does

Dyalekt:

that mean we don't have to do it? Oh, no. Because even after you break up, you still got to do it. You know, especially after I've been there.

Pamela Capalad, CFP, AFC:

Wow. I thought you meant there's forms to fill out when you break up with someone? Of course there is there's forms for everything.

Dyalekt:

I guess they're I guess they're I mean, yeah, there

Pamela Capalad, CFP, AFC:

are if if it's a real breakup, if it's like a divorce breakup? Well, it's

Dyalekt:

gonna say if we broke up, there will be a lot of stuff. A lot of forms. Paperwork is probably what's keeping many marriages together, not ours.

Pamela Capalad, CFP, AFC:

Just the hassle of unraveling it. All right. So let's talk about this is part one. And Part one is where we tell you what you need to know. What are the key things that you need to understand about the topic of paperwork, the bigger systemic picture around it and paperwork is so big and systemic. And then where the racial wealth divide fits in because surprise, y'all paperwork is racist.

Dyalekt:

Well, I mean, not only Yeah, we're the whole thing about this paperwork stuff is it feels embarrassing, because it's supposed to be neutral.

Pamela Capalad, CFP, AFC:

Yes, it feels like paperwork is supposed to be objective. And also, people talk about paperwork like, Oh, it's just a simple form, oh, you just got to fill out some paperwork. Oh, it's so easy.

Dyalekt:

It's a fact of life.

Pamela Capalad, CFP, AFC:

It's a fact of life, how to do it. You just have to fill out paperwork, go

Dyalekt:

to the doctor, the doctor doesn't know who you are. So you fill out the paperwork, then they know who you are. And then you fill out the paperwork, and then they know and then you keep filling out the paperwork. And then when you get to the doctor, they still ask you all the same question. Yeah, tell

Pamela Capalad, CFP, AFC:

me why you feel it out three times, and then still tell the doctor. But anyway, that's, well,

Dyalekt:

I mean, that's the thing, right? And you're just like, well, you just do it. And then and then you're you're fine, I guess.

Pamela Capalad, CFP, AFC:

Yeah. Except for so many people. The reason why we're doing a whole arc on paperwork, is because it's truly the thing that takes people out. It's the thing where you don't file your taxes, right? You You don't apply for student loan forgiveness, you don't get that PPP loan forgiven

Dyalekt:

when you say it's the thing that takes you out. It's not just that it's a hard thing. It's often the last straw, because paperwork will be a small thing. But it will be a barrier. There'll be a barrier that keeps you from something that's very important. And what sucks about that is what sucks about that is, while it's not just a barrier that keeps you from the thing that you want, it's so easy to make a tiny mistake that makes you have to go all the way back to the beginning.

Pamela Capalad, CFP, AFC:

Yeah, because that's the thing about paperwork too is you have to start all the way over usually when you mess it up because your application gets denied, or you did something wrong, and then you can't submit the form from

Dyalekt:

a lot of support with paperwork. Yeah, there isn't. And even when there technically is this implied non support like because you know, when you're at the doctor's office, you can go up to them and be like, Hey, so what do I do here? And they'll probably help you because they want you to get through the thing.

Pamela Capalad, CFP, AFC:

Yeah, but so much financial advice is predicated on actually implementing it and implementation almost always involves paperwork when someone tells you to switch your bank account when someone tells you to open a high yield savings account when someone tells you to apply for a credit card. When some One tells you to get student loan forgiveness when someone tells you to file your taxes. Oh,

Dyalekt:

crap. That's all the stuff that we be telling folks to do. I mean, still do those things if they help you or stuff

Pamela Capalad, CFP, AFC:

I know. But like, How many times have you been told to open a Roth IRA and you try to apply for a Roth IRA? And you're like, Oh, my God, I don't know the answers to these questions. Yeah.

Dyalekt:

When you when it's a simple question, but you don't have the thing in front of you that has the numbers and you're like, Well, I gotta go find that. And then it's underneath this other thing. So I'm not going to do it till next week. And then next thing, you know, it's been three months.

Pamela Capalad, CFP, AFC:

Yeah, exactly. And you're like, Oh, I never did it. Is it too late? Yeah. Man, it's too late. And and on top of that, and we're gonna go into this more in part two, but the shame and embarrassment and anxiety and literal fear around paperwork, because you've run into it so many times and run into it as a barrier so many times that you've given up. Okay, so you've missed out on things. Let's

Dyalekt:

wheel income again, because I were just saying, Oh, it's supposed to be neutral, but it's clearly not neutral, really not neutral. Wasn't people were created to make it so that we could live our lives more efficiently. Yeah. And that's the whole point

Pamela Capalad, CFP, AFC:

of paperwork and forms as a concept has been around. Since like, 1000 BC. Right. Right, right. There's this amazing Yes, records. Exactly. There's this amazing article called The unofficial history of forms, which we'll link to in the show notes. And it goes through, like different countries, different time periods, where things like the questionnaire popped up were things like keeping track of like, money and keeping track of people pop up where things like the invention of templates and fill in the blanks pop up. Right. And ultimately, it came down to at least originally, helping governments organized like, who they were governing. Right, it was helping people organize people.

Dyalekt:

Yeah, yeah. Since this is data. So yeah, and more efficiently serve people so you can know that you can be correct about stuff.

Pamela Capalad, CFP, AFC:

Right, exactly what even the church so like they they talk in this article about like indulgences and right, so like, paying your way to get into heaven. That was just a form that like the church filled out for you.

Dyalekt:

I don't know if all everybody knows about indulgences, they were. So the whole heaven thing, right is predicated on like, You got to apologize,

Pamela Capalad, CFP, AFC:

right? You got to be, you know, sinless, and get all

Dyalekt:

your stuff together. And that's like a lot to ask people, especially rich people who are like, I don't want to have to do stuff, right? I want to just be able to live how I want to live. And you might die at anytime, right? So what they did is they invented a get out of sin free card. Free actually, well, well, I mean, it was a free paid card for your next it

Pamela Capalad, CFP, AFC:

was like a punch card like a cold stone. You're the one

Dyalekt:

you're bringing the the with it with the thing? I don't actually know what they look like they were punch cards,

Pamela Capalad, CFP, AFC:

no. punch cards. No, no, no. But yeah, we're

Dyalekt:

written forms. And what's interesting about this, you know, when we were looking at the history of forms, I noticed there wasn't a lot of African stuff. Because you know, what is thought about what's what's funny is there are lots of records that are put together on stone on paper, all that kind of stuff in African countries. But there is this idea of the oral tradition, which is how a lot of information is passed down in a number of African cultures, which isn't present in some of these other cultures, rules, laws and information about the community have been passed down in these oral ways, which is harder to quantify in these larger, more top down kinds of societies, places where you have kings, right Parliament's

Pamela Capalad, CFP, AFC:

when things weren't hyperlocal, where it wasn't like the closest 100 people to you?

Dyalekt:

Well, and I think, well, an important distinction I want to make is not just about the hyper locality. I think the importance is the existence of a certain type of hierarchy, which is predicated on making sure that this small number of people at the top know the most amount of information and to do that passing things by orally is not going to be accurate for their needs,

Pamela Capalad, CFP, AFC:

right? Yeah, totally. And you can't delegate that work to other people because that was one of the biggest things about in Rome when they were doing census collecting was they needed a way to make sure that the people collecting the data were all asking the same question. And so that's why they created a forum that's why they created a template. So they knew that like oh, they could teach anyone how to collect this data

Dyalekt:

otherwise that went in Rome saying would have no meaning. Today's episode is sponsored by us pockets 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:

the interest thing thing is that for most of the time that forms existed, even with the invention of the printing press and being able to make forms more ubiquitous, it was the person taking in the data that was filling out the form for you. So when someone was filling out when someone was going door to door and and asking you census questions, they are the ones filling out the form. So regardless of how difficult the form was to fill out, there was basically like someone who knew how to fill out the form doing it.

Dyalekt:

Well, because it sounds like that the forms were meant to make things easier. We're just saying the thing about the like, the top down societies were the powers that been needed to have accurate information so they could do whatever terrifying, right? ruling of the peoples that they wanted to do.

Pamela Capalad, CFP, AFC:

Yeah, but they wanted that accurate information. The thing that changed was that

Dyalekt:

how many catapults do we need so that we can catapult every poor person out of here if we want to?

Pamela Capalad, CFP, AFC:

Exactly that was it? I'm just saying simple math.

Dyalekt:

I think it's an important point to make that it needed to be accurate. And it needed to be well done. So they would do it because they didn't trust the people to put themselves in a disadvantageous,

Pamela Capalad, CFP, AFC:

right? Well, because who could even read right? At that time? Not everyone was literate, not everyone could read. And so it was really a matter of collecting that data and making sure it was accurate, like you said, and then also, there weren't as many people. So as the populations grew, the bureaucracy, the need for people who could collect this information grew and grew. And what was interesting was, you know, these forms and questionnaires were something that were filled out, not by citizens until the 20th century, 20th century messin everything 20th century messing everything up. So the 20th century, government started delegating this administrative workload to its citizens because of large social welfare programs.

Dyalekt:

So it was it the they were just overworked. And they were like, there's too many things that are going on. So we don't want to have to fill these out anymore, because we don't want to hire more stuff.

Pamela Capalad, CFP, AFC:

Yeah, yeah, that was a big part of it was essentially the onus for who was filling out the forms got too onerous for for the administration and got too onerous for the people were filling it out. And with these large social welfare programs were like, a vast amount of the population had to apply for them. And the way to organize it was to fill out forms. Now the citizen was responsible for understanding and deciphering these forms.

Dyalekt:

Somebody out there, please start a band called the onerous illnesses. Like that, that was good.

Pamela Capalad, CFP, AFC:

Thank you. Thank you. Yeah. So the thing is, when you are someone whose job it is to fill out a form, and that was literally my job, when I first started in wealth management was, I came in and for the first three months of my job, I probably fill out 1000 forms, it was 1000 investment application forms, right? By the end of it, I was a pro at filling out that form.

Dyalekt:

That's the funny thing of it, it's like so rich folks don't actually have to fill out a lot of forms. And from what you're saying, in the history, it used to be that they didn't trust poor folks to fill out the forms. And then as soon as we got to the place where like, whatever, there's a lot of them, they can fill out the forms that will protect it from the forums where the rich people

Pamela Capalad, CFP, AFC:

well, and the reason why the onus went on the citizen was because the citizen was going to receive something, right. So it wasn't it wasn't trying to collect taxes or trying to collect census data, or trying to get information from the catapults you need it or whatever. It was, hey, I'm trying to get Social Security. I'm trying to get SNAP benefits. I'm trying to get public housing. And so now it is the citizen who needs to get something from the government and the government's like, you fill out the form then fine. You want public housing, here's the form.

Dyalekt:

I forget if I've said this in a podcast, where I just edited a bunch of workshops, but it's the 12 CDs for a penny thing. Yeah. Right, where they're like, oh, you know, Oh, you want to get all these CDs, you get all these CDs, but then you got to fill out all this stuff. Because if you filled out all the forms, you would get it for a penny and right cancel, right? You remember you could cancel it,

Pamela Capalad, CFP, AFC:

or it's like a mail in rebate? Yes. Right? It's like, Oh, get $50 off this thing. Apple would

Dyalekt:

love doing that. Never, you would be like, Hey, Apple, I'm a student or I got this reason I should get my computer for cheaper. They'd be like, sure. Mail this thing in later. Yeah, give

Pamela Capalad, CFP, AFC:

us the money now. And we'll give it back to you later. If you fill out the form, cut the UPC code out of the box, right down the serial number, fill out the receipt, right. It's all of these steps is to get that money. And so when it came to people receiving benefits from the government, that's where the switch happened.

Dyalekt:

Do you think that cats knew that this was like initially that they knew that this was going to be a barrier to entry or was that just a happy coincidence?

Pamela Capalad, CFP, AFC:

It seems like based on this article, it seems like it was a happy coincidence. It was just like, oh, we needed to offload Some of the administrative work, right. And so I feel like that when people realize that it became a barrier to access, that's when you started. That's now I can't unsee it right? When I started researching the history of paperwork, I was like, What is this about? You know, why is it something that is so anxiety inducing, and also stops so many people from getting the things they want and the things that they need. And a huge part of it is because things that the place of business that you're supposed to be working with, they've put that on you instead of them to actually get access to something,

Dyalekt:

you know, there's something about it too, in terms of the anxiety where it feels like a test. And by a test, I mean, the type of tests that you would take in school, which were created and set up in a way to induce anxiety, and plenty of us have PTSD from getting tested back then. And when you hit up against these forms as an adult, brings it all back.

Pamela Capalad, CFP, AFC:

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. The thing about paperwork that is so frustrating is it's presented as this objective thing. But there is a person who created that form. Well, it's

Dyalekt:

like, the tests, right? Yeah, all tests are supposed to be objective. And I don't know about y'all, but remember that, I guess we all have had that moment where you realize that the test question was wrong. And you're like, What am I what do I do about I do? Because whatever I say, I'm gonna be wrong. I do it. And if I say that they're wrong, I can't say that the test is wrong. It's the test.

Pamela Capalad, CFP, AFC:

Yeah, exactly. And so you're stuck, right. And so usually, because originally, forms are created for people on the back end, to be able to process them, they used all their jargon that they knew what it meant. But when it started getting passed down to someone who maybe just had to fill out the form, once in their life, they still use the jargon still use the jargon, they still use the jargon. And that's where we're at now, we're in this place where no matter how, no matter how pretty, you can make a forum because the other thing that was interesting about this article, the unofficial history of forms is this is someone who loves forms, loves filling them out, loves the way they're organized, they sit with the artist, the writer of the article says that in the opening paragraph, like loves the logic and the organization around it, and it takes a certain type of brain, I think, to enjoy filling out forms. And it's someone who can like think of things in little boxes. I am someone who enjoys filling out forms. I'm gonna admit it right now. I'm someone who I understand the logic behind filling out forms.

Dyalekt:

You know, what's it all about? That is the filling out a form because I'm thinking about testing, right? Testing isn't just to decide whether someone got something correct or got something wrong. It's to stratify them, stratify them stratify them, it's to put them in what boxes they belong, exactly, you as a good form filler router that will show on the test, Pam filled out the form really well. So these are the options for jobs and places where we want to put you to, and oh, I like did a terrible job filling out these forms. So these are the places we're gonna send you.

Pamela Capalad, CFP, AFC:

Yeah, it's definitely like this weird way to sort things. And we have so and I have helped many clients fill out forms and have clients who like have filled out the form on their own. And then we fill it out together. And it's the exact same thing, they filled out the exact same way as I did, and they couldn't get it through. And then for some reason, we do it together, and it goes through. And nobody knows why

Dyalekt:

I can help someone fill out a form for them. Yeah, and I'll know everything. I'll say all the right stuff, it'd be easy. 10 minutes later, I will come and stare at my own and just, the ball will tighten in and not taxes. I was working for a spoken word productions when I was younger, and we would do the taxes for the company. And I loved it. I actually do have a brain for filling out these kinds of forms. And I went and would put it together and look at all the stuff and tape up all the receipts. And then I would go home and not do my own taxes. Yeah. And you know, the generational trauma around these things. We have been dealing with forms for enough generations, and there have been a lot of forms that were created for immigrants for black Americans specifically to make it so that we didn't get stuff. And a form meant here is a thing that means that you might not get something that you desperately need. So it's intrinsically going to be scary. I mean, we're going to talk Talk about it. And I think the third episode of The Arc, where we're going to show a little bit of the literacy tests that they had black Americans use, they had to be able to pass these tests in a short amount of time to be able to vote

Pamela Capalad, CFP, AFC:

Yeah, to register to vote. Why do you have to register to vote right here we had right. Speaking of like, we mentioned taxes. Right. And we've talked about this before on the show, is that other countries governments, do your tax forms for you, and send it to you to review? Why is it that we have to fill out our tax information that the IRS already has regurgitate it back to them? Like it's a test that we're going to pass or fail? It's always

Dyalekt:

so interesting when people say, oh, yeah, there's not enough people who are voting, a lot of people don't vote, a lot of people don't register to vote when it's made very difficult for us. Yeah.

Pamela Capalad, CFP, AFC:

It's so difficult to register to vote, you have to have a permanent address that you're in for at least a year, which a lot of folks don't, especially in New York City, especially if you're displaced regularly. Right. And you have to remember to do it by a certain date, which is not the day before you have to vote. It's like a month before you have to vote. So there's so many different

Dyalekt:

barriers periods where you can't do that. Exactly. And my favorite part about it is they don't actually tell you that you're good money. They don't they don't send you a note saying like, yeah, registered. And that's another thing that we're told to get used to, you apply for a fellowship, you send in a script to a producer, you do any sort of textual thing where you fill out paperwork, and you send it out there into the ether. You may get a response.

Pamela Capalad, CFP, AFC:

Yeah, but probably not. If it's a no. Yeah.

Dyalekt:

And that's what you like, you just girding yourself for being ghosted, because that's what's gonna happen. After you spent the last 30 hours working on this proposal to explain why your life matters to somebody.

Pamela Capalad, CFP, AFC:

Exactly, exactly. So if you've ever wondered, or if you've ever been in a situation, or you hate paperwork, just generally, it's not you. It's the paperwork.

Dyalekt:

Well, if you're stressed out about this student loan cancellation, that's not a cancellation, I guess you got to be involved in the cancellation, you got to go and apply for it.

Pamela Capalad, CFP, AFC:

Yeah, they I don't know. I don't get why they know how much student loan debt everybody has. But you got to apply for it. Because how many people just won't apply for it? And how, and how much is the government counting on that?

Dyalekt:

And, you know, there's another thing I want to say about this about relationships. If I went on a, you know, people talk about this kind of stuff, where they joke about people's requirements on a date, right? If I went on a first date, and the person was like, fill out all of this stuff, to prove that you're worthy to have a conversation with me. I kind of don't like you after that. Yeah, right. We'll be on the date. We'll do the stuff and all that. But I've got like a resentment. And I'm like, Do I even want to interact with you? And that's part of what they want. Yeah, the more stuff they can nudge. And it's, I guess, like a textual version of the microaggression. Right, where it's ostensibly not that big of a deal, but it's the stuff those little nudges that will eventually make you tap out and say, You know what, I'm just not gonna do it. You know, what, I just, I don't need this job. You know, I'll figure out some other way a good friend of mine who runs a record label and it's got all this music stuff going together. I could not get them to do the PPP stuff. They they opened it up several times. I opened it up with them. We looked at it and you know, when you see the heaviness come over somebody's brow. It just happened and there was a thing in their head that said, You know what, I'll just, I'll just, it's okay. Things will be harder. I'll scrimp and I'll save and I'll hustle because the hustle is always the thing that we can do. And I just, I just won't take this money that I should be entitled to. It's so annoying. I've said this before, but so annoying. That entitlement, or being entitled has a negative connotation. You're entitled to some stuff get the stuff you're entitled to have.

Pamela Capalad, CFP, AFC:

Yeah, don't let the form stop you when we're in talks about that in the next two episodes. I know. I know. Stay tuned now they're all frustrated.

Dyalekt:

I was like oh, it's like a nicer segue. The old janky CitiBike segue that we got we're gonna go out of the country let's get out of the country because you know we the paperwork here is wild. Let's go to a place where the paperwork is more of the rolling variety. We're gonna go to the Netherlands for an artist named El Hz are lazy with a song called Get ahead from the album no paperwork till next time

Unknown:

is that is that jam for my neck? Is that ever said while waiting for Tuesday for Tuesday specials on charges. I lost all my files while he next asked to come in and push the album Back Ackoff luck and I started to some Wow minor setbacks major coma stomach wasn't asking to see it I used to wanting to stress to people worthless and places that it would come from versus Draper being his latest need to stick your punches like MacGyver make it something that enough sooner rather since I used to stop my family touch a wire say to BTC to see on a day to day so I get a little party off recording got paid today Georgia today game this is shit the finally boosted up my future I'm a captain easy summer cabin Hey farmer find the answer read the bottom of this gold bottle less money make Mo Problems backwards as models some people pinching pennies on the scrap and copper two sides to every nickel nickel money not the problem by me as it overhead still managed to get some hands on it guilty that rings my baby we get in bed with that oh my mum I probably should make a list stay away from shiny things we finally get in it we finally could get my faith was shaken like a Polaroid picture 3k could fix that she but I know we made from this images so when I'm dead broke up in my head I'm in the Whitney in the shape got up that box that I was seeing chillin on the east side to get shots outside the credit renovate your mental mind state this weekend in stark contrast to everything they said I would have been present for this whole Casa adlibs I'm trying to live me Vida Loca I was sleeping on the sofa lady stole my show just stuffing quarters in my penny loafers type of change that and make that so official tissue strangest myths wipe away Allah is insane had his pencil will people ever change with me stay the same with me and make the change for me compensates and temporary luxuries silver platters public letting me but it didn't work in a pizza browser critically helped me get over and still manage to get some hands guilty that rings my baby we get in bed because that oh my mom I probably should make up and stay away from shiny things we finally we finally can make money takes money Money cannot buy your cake never shake with snakes Money Money whoa make money take money money get yourself good get your fairly great money money whoa

Dyalekt:

thanks for listening to the brunch and budget podcast please feel free to rate us debate us hate us. Data's love infatuate us something that means you'd like us but Ryan's with eight Say what's up tells me make great stuff on Apple podcasts or really anywhere that lets you come at Reddit 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.