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Two Lessons: Rates, Invoice, Collecting, Cash Flow; A One Page Business Plan
Hosts of Brunch & Budget

Course Description

1. Rates, Invoicing, Collection, Cash Flow

Brunch & Budget's Pamela Capalad and Dyalekt walk through crucial decision-making processes for self-employed individuals. Whether you are a painter, a furniture designer, a graphic designer, a public sculptor, or any creative who takes on project work, you'll need to decide what your time is worth. This is important when communicating with everyone from clients to granting organizations to yourself.

This lesson consists of a 55-minute video and associated references and a worksheet that could take another 30 minutes.

2. A One-Page Business Plan

Next, Pamela Capalad and Dyalekt provide a fast-paced crash course in business planning. No need to open a spreadsheet or write dozens of pages of text. This one-page business plan, crafted with creative practitioners in mind, cuts to the heart of why you do what you do and what you'll need to think about to make it work.

While the video is 20-minutes long, allot an hour to complete the lesson with the associated worksheet.

Course Contents


Pamela Capalad + Dyalekt
Hosts of Brunch & Budget
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 have a safe place to make real financial progress and get shameless about money!

While doing deep research into the racial wealth divide and how it directly affected her clients of color and cohosting the Get Shameless About Money Podcast (FKA Brunch & Budget Podcast) with her husband Dyalekt, they created the See Change program. See Change is a financial coaching and advocacy program specifically designed for People of Color to heal their relationship with money, navigate a predatory financial system, and build 2nd generation wealth.

Pam has been featured in the Washington Post, Teen Vogue, Huffington Post, Vice Magazine, and was named New York Magazine’s Best of New York 2019. She was named one of Investments News 40 Under 40 in 2016, Financial Advisor Magazine's Young Advisors to Watch in 2019, received Jump$tart's 2022 Innovation in Financial Literacy Award, and AFCPE's Financial Planning Center of the Year award in 2022. Pam is a Global Good Fund Fellow, class of 2022.

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, and their friend Andrea Ferrero also co-founded Pockets Change, a hip hop and finance organization for youth with a mission to change the way we talk about finance.