Let's dig in

to a conversation we don't usually get to have.

The financial industry is designed to take advantage of People of Color and poor people.
Where can we, as People of Color, get financial advice that isn’t from a mostly white, mostly male, mostly economically privileged perspective?
From how we bank, to our how credit scores are calculated, to how we are kept in the dark about investing, to how we pay our taxes, the system is set up for us to get caught in a debt/poverty cycle and stay running just to tread water. The rules change all the time so the people on top stay on top.
What if you not only knew the rules, but knew exactly how to apply it to your own financial situation?
What if you were able to not only reverse your financial mistakes, but start making the rules work for you?
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 individual knowledge into collective action.
Let’s start now.


The first group orientation

This will be a great chance for you to meet the rest of your cohort and get to know each other. You’ll also learn how to use the online task list, figure out what your money personality is, and get set up on your personal financial portal, which we will be using to track your cash flow.

The 2nd group orientation

We're going to start digging in during our 2nd group session. You’ll learn how to create 12-month cash flow projections, reflect on your current spending, examine how they line up with your values, and determine what habit changes you want to make to reach your goals.

Your 45-minute 1-1 planning session

You'll meet with your financial planner over video chat to talk through your current situation, goals, etc. We will put together a personalized financial roadmap for what actions you will need to take over the next year to reach your goals and check in via messaging and chat during weekly office hours.


Monthly Education Sessions

All the cohorts are invited to join a monthly education session that rotates through all the topics listed below. Each topic is designed to help fit into your personal financial plan. You are able to ask questions during the session and also ask your financial planner more in depth questions throughout the month.

LIVE Office Hours

Twice per month, we hold live office hours, where you can schedule a time (or just "walk in") to meet with a financial coach 1-1 and talk through any and all of your financial questions. Need help creating a debt paydown plan, reviewing your bills, asking for raise, opening the right savings account? Want to know which investment account to open, how to set up your 401k, or look at your company benefits? We got you.

Monthly Mastermind Sessions

We hold mastermind sessions multiple times per month that focus on MAKING money and KEEPING money, where you can volunteer to get advice feedback from the financial coach and other members on all kinds of financial topics. You can attend as many mastermind sessions as you like. We can talk about how to ask for a raise, start a business on the side, make a phone call to a financial company, open your first retirement account, whatever is on your mind!


Financial planning isn't just about investments or budgeting. It's about it's about getting to the root of what you really value and learning how to use money as a tool to help you reach your goals and live your best life. Here's how we'll do it:

MONTHLY CASH FLOW: Know exactly how much you're making and spending each month and be able to plan where you want it to go.

DIVERSIFYING YOUR INCOME: Whether you want to build side income to supplement your current income or create a plan for starting your own business and working for yourself, we'll talk about how to build multiple streams of income.

SAVINGS & ACCOUNT ORGANIZATION: No more guessing how much you can put away each month and where to put it. Know much to put towards savings and streamline your bank accounts

CREDIT ANALYSIS: You will learn how to review and analyze your credit score/report so you know exactly how to increase your score over the next 1-2 years and be in a good position to reach big goals

DEBT PAYDOWN: Should you do a balance transfer? Consolidate? How do you manage student loans? What are your best options are for paying down debt while still saving?

INVESTMENTS: Should you be contributing to your 401k? Traditional or Roth? How much should you start investing each month? What should you invest in?

TAX PLANNING: Are you maximizing your current tax situation? What can you deduct as an employee or freelancer? Are you letting the government borrow too much of your money?

INSURANCE: We'll go over your health, life, disability, home/renters/auto insurance, oh my! We'll make sure the assets you've built are properly protected.

ESTATE PLANNING: We'll talk about what will happen (to your money) when you die. Do you need Will? Health care proxy? Power of Attorney? All of the above? Are your beneficiaries listed correctly?

Fill out the application at the link below to reserve your spot! A few things to note:

This is not an online course.

Or video series, or recorded webinar, or self-study program, or any other thing that you can “do on your own time” and have “lifetime access” to (which usually means you never get it done). We will be meeting online twice per month and you will have homework to get done each month. We expect you to commit to attending these meetings for yourself and your cohort.

This is not a 30 days road to riches, quick fix, or magic bullet.

Unpacking your financial habits and financial mindset and facing the hard shit will take time, energy, and reflection. As you work through any feelings of shame, embarrassment, or fear you have around money, we will be actively replacing them with habits and actions that will move you closer to financial clarity. We ask that you commit to your cohort for at least six months, and ideally, one year.

This is not a limited time offer, only 24 hours left to buy, better sign up now before it’s too late.

Sign up because you’re ready to commit, not because there’s a countdown clock. If the timing isn’t right for you or you don’t make it into this cohort, there will be others. Understand that being ready to commit doesn’t mean you won’t feel nervous or scared or that you won’t have setbacks. It means you’re ready to go through the process, challenges and all, with your whole heart and open mind.


$50/month per person if you make $50k or less
+ $1/month for every additional $1k you make
(i.e. if you make $67k, you pay $67/month)

COUPLES PLEASE NOTE: use combined household income for rate (Minimum rate is $75). Please include both of your incomes even if only one of you will be attending the sessions (this is a compliance requirement as we will be advising on joint assets/debt, you will also both be listed on the financial planning agreement)

IF YOU ARE SELF EMPLOYED: Use the total before tax/before deductions income you've made this year, not adjusted gross income (this monthly payment is tax deductible, woot!).

To give you an idea of what financial planning like this normally costs, my 1-1 Budge Coaching rates start at $199/month and go up from there.

By meeting as a cohort, you'll still have access to the 1-1 advice of a CERTIFIED FINANCIAL PLANNER™ for a fraction of the cost.

By making it sliding scale, we ensure that everyone has access to financial planning, regardless of their financial situation.

Listen. I know what I’m asking you to give up.

Paying this monthly subscription means one less date night, or one less coffee a day, one less shopping trip, one less video game, one less pedicure a month.

I know every dollar counts and I know your time is precious. I understand what is at stake. What if you do this and nothing changes? What if this doesn't work?

I can't make any guarantees (literally, it's illegal for me to make any guarantees as a Registered Investment Adviser!), but what I can tell you is that I have dozens of 1-1 clients, I've met with hundreds of people for brunch, workshopped with hundreds more, and I know the work it takes to change your financial situation.

That feeling when you know exactly where your money is going every month, that your investments are in the right place, that you're paying down your debt and growing your savings, that you can quit your job and be okay next month, that the wealth you've created is protected, this is what we will be building together. This is what is at stake.

Who will I have to share my financial information with?

You are only required to share your financial information, like amount of debt, money in the bank, how much you earn, etc., with your financial planner. You are welcome to also share with your cohort, especially if you feel like people will benefit from your experience.

What will I have to share with the group?

We will ask that you share things like the monthly habit you’re working on and the monthly action you’re working on. You can be as vague or specific as you’re comfortable with.

Why are you doing this in a group setting? Isn’t it rude or impolite to talk about money?

Money is the last big taboo and it’s especially a taboo in immigrant communities and communities of Color. We are taught that we shouldn’t talk about money, but where did that come from? Who taught us that? Who actually benefits from us not speaking to each other and not sharing ideas, resources, and solutions? The people who preyed on us in the first place.

Talking about money releases you from feeling like you’re all alone and there’s no way out. You’ll find people who have been through your situation and who can help you out of your situation

We've found that when people start talking about money and start saying financial things out loud for the first time, it actually takes away the shame and embarrassment. Your brain switches into a solution and action oriented mode and you are able to face financial challenges head on with the support of a community.

Why are you focusing on People of Color?

When I started doing Brunch & Budget full time, I noticed that I had to plan differently for my clients of Color vs. my White clients and we were having different conversations about how to implement a financial plan.

One thing I've learned is if you want People of Color to feel comfortable talking about their finances, you have to provide a space to do it and be deliberate about the space being for us. It's why we need affirmative action, diversity programs at workplaces, etc. because diversity won't just happen. People of Color have been told in so many different ways that we don't belong. When it comes to finances, we need to feel like we belong before we can talk about it.

Of course you can go to any financial planner and get great advice, but can you relate to this person? Will they understand what you're going through? Will their advice come with the empathy and understanding of where you're coming from?

As a Person of Color, you are often first generation college graduates, the highest earning members of your family, and the main financial support for your family. You make a decent income, but have had a hard time building wealth because of your financial obligations.

You’ve had to deal with fighting for raises amidst workplace discrimination and smile through micro aggressions. You’ve fantasized about quitting your job, but can’t fathom explaining it to your parents or saving up enough money to do it. You’re more likely to be saddled with student loan debt and less likely to be expecting an inheritance.

 The financial services industry has either ignored you or taken advantage of you and your family. There is a lot we are going to need to process, sort through, and unpack together. By focusing on your needs as a Person of Color, we can all start on some common ground and have a shared understanding of the work that needs to be done.
If I’m White, can I join?
Dead Day Job Army was formed with immediate and long-term goals in mind. The immediate goal is to serve the underserved, to provide group financial planning to people who cannot afford private wealth management, and to provide training and education to people who have been systemically denied access. In many cases, that means People of Color. A necessary part of the process is to provide a space where members have the opportunity to share their stories in a non-judgmental environment.
It’s valuable to learn that you aren’t crazy,  stupid, or the only one in your situation. The inherent needs in our first goal skew towards People of Color, but not exclusively. Our second goal is to close the racial wealth divide that exists in the United States. The most effective method for that is to help People of Color build and maintain some form of generational wealth.
The first goal is based on individual need, but the second is about building stronger communities. It’s a daunting task, but we’re using education to counter polices like the Indian Intercourse Act, the Fugitive Slave Act, the Homestead Act, Jim Crow, The Naturalization Act of 1790, the war on drugs, and immigration policies today.
For People of Color, that means individuals must make financial and social sacrifices to bring stability to future generations. For White people, it means the same. The specifics of those sacrifices are the difference and what will determine who is a good fit for DDJA.
Isn’t this reverse racism?

There is no such thing as reverse racism.

I have tons of debt, is this something I should even be paying for?

Often, financial planners say they feel “guilty” taking money from people when they are in debt. I understand the sentiment, I used to feel that way too. But then I realized that turning away clients who had debt was the equivalent of a doctor saying, “Come back to me when you’ve lost 20 pounds and then I can be your doctor.”

If you haven’t been able to figure out how to get out of debt, what got you into debt, and how to stay out of debt on your own, you may need some guidance and accountability from a financial planning professional on how to get it done.

Actually, what is financial planning?

I’m glad you asked! With comprehensive financial planning, we look at your entire financial picture and create a plan based that addresses every aspect of your financial life. This may mean that we don’t tackle debt first, but instead build up your savings. Or we need to prioritize insurance and legal documents because you’re starting a family. Or we cut back on contributions to your 401k because you want to start saving aggressively to buy a home.

Financial planning is a delicate balance of making sure you are handling your short term priorities, working towards your long term goals, helping you avoid big financial mistakes, and making adjustments along the way as new life changes get thrown into the mix.


$50/month per person if you make $50k or less
+ $1/month for every additional $1k you make
(i.e. if you make $67k, you pay $67/month)

COUPLES: use combined household income for rate (minimum rate is $75)

IF YOU ARE SELF EMPLOYED: Use the total before tax/before deductions income you've made this year, not adjusted gross income (this monthly payment is tax deductible, woot!).

To give you an idea of what financial planning like this normally costs, my 1-1 Budge Coaching rates start at $199/month and go up from there.

By meeting as a cohort, you'll still have access to the 1-1 advice of a CERTIFIED FINANCIAL PLANNER™ like me for a fraction of the cost.

By making it sliding scale, we ensure that everyone has access to financial planning, regardless of their financial situation.