Broke-ish®

Well, it’s over now! Amber and Erika have officially said, “Farewell” to Season 10. What was supposed to be a single episode featuring John Hope Bryant turned into a rundown of financial literacy’s “greatest hits”, which we spent the season debunking one at a time. In this final episode, we recap the season and highlight our motivation behind this strategy and what we hope you learned. As always, we can’t wait to come back and talk about all the “ish”! It’s over now, but we’ll be back soon!

On this payday, Amber and Erika explore the impact of generational poverty on Black communities and the systemic barriers to wealth accumulation. Joined by Taylor Darks, a PhD candidate at Florida State University, who studies reparations policies, we lay out the evidence that poverty is more than a mindset. Dr. Darks highlights the Evanston, Illinois reparations program, which provides $25,000 for homeownership or repairs, and the controversy surrounding cash payments. The discussion also touches on the broader implications of reparations, the role of black women in the movement, and the challenges posed by the current political climate. The hosts acknowledge the benefits of financial literacy while demonstrating that it is not enough to overcome the hurdles of generations of systemic racism. Tune in to get the scoop! Receipts/Homework: HR 40 Information: What is HR 40?

On the first payday of Black History Month 2025, Amber and Erika find themselves yet again debunking John Hope Bryant’s foolish, false assertion that “racism is a barrier that Black people can get over.” The second Trump presidency has people questioning that contention, but this episode demonstrates that racism has been entrenched in every aspect of American life - politically, economically, socially, and culturally - since its inception. Through discussion of three key eras in history, we demonstrate that racism was literally designed to be insurmountably imbued into every system and institution such that it would restrain Black people in every way. We first discuss Reconstruction, and this country’s deliberate abandonment of efforts to create racial equity. Next, we look at Woodrow Wilson and the racial regress back to de jure segregation in the Progressive era as racism cemented itself as a core tenant of mainstream southern, Democratic politics. And finally, the Reagan era reveals racism’s insidious makeover to become palatable to White evangelical Christians. Resentment over desegregation was tucked into pro-life politics and repackaged as family values and concern for the unborn. This historical conversation proves that racism is present at every turn and nothing - not even financial literacy - can save Black people from its impact. Tune in to get the lesson!

On this payday, Amber and Erika discuss the concept of "model minorities" and how it relates to the expectations placed upon Black descendants of enslaved people to use tools like financial literacy to “pull themselves up by the bootstraps”. They highlight the challenges faced by Black Americans compared to other ethnic minorities and immigrants. Dr. Patrice Sims, a sociologist, joins the discussion to explain her book "The Fallacies of Racism," which addresses the fallacies that perpetuate racial inequality. She emphasizes the importance of understanding the epistemology of ignorance and the need for addressing racism at individual, institutional, and societal levels. The conversation also touches on the impact of social media algorithms and the importance of education and community support. Tune in to join the conversation!

On this New Year’s Payday, Amber and Erika are busting another myth from our interview with John Hope Bryant. Bryant casually remarked, “If you go to the computer at midnight, the computer doesn’t know what race you are.” The evidence, however, suggests that that is false, and technology and AI is laden with the same biases and racism present within our society. Our guest, Memme Onwudiwe, a Harvard trained space lawyer and EVP of AI company Evisort, breaks down the basics of emerging AI and explains how bias can creep into seemingly neutral technology. We also discuss real examples of how technology bias has caused harm to people and the resistance of some developers to acknowledge the problems. Finally, we discuss whether AI can be used as a tool of resistance to remediate racism and human bias. Press play and join the conversation!

On this payday, Amber and Erika are continuing the “Myth Busters” series, debunking the erroneous statement that banks are race neutral and “don’t care about color”. Dr. Justene Hill-Edwards, University of Virginia professor and author of “Savings and Trust: The Rise and Betrayal of the Freedman’s Bank”, joins us to discuss the first bank in American history created for Black Americans. Not only does Dr. Hill-Edwards’ book offer insight into the challenges faced by the formerly enslaved during Reconstruction and the Gilded Age, but it also illuminates the racism and inequity that is foundational to the American banking system. Furthermore, her work demonstrates that financial literacy has been used as a tactic to shift blame to Black people for financial issues that we did not create and cannot fix. Listen in to “take a look, because it’s in a book” that banks do actually care about color!

Amber and Erika are back on this payday debunking another one of John Hope Bryant’s false statements. During his interview, Bryant contended that slavery as an institution was race neutral and existed long before the colonized iteration primarily rooted in anti-Blackness. Dr. Kehinde Andrews, renowned author, scholar, and historian joins us to unpack why this statement is misleading and erroneously dismissive of the residual impacts of anti-Black colonization and enslavement. Starting with the Arab slave trade and feudalism, we trace the defining markers of anti-Black enslavement and its intentional enduring effects. Press play to listen!

Amber and Erika promised to spend the remainder of Season 10 debunking the financial literacy myths you heard in Episode 1. Well, we’re making good on that promise by interrogating John Hope Bryant’s claim that “financial literacy is the civil rights issue of this generation”…whatever that means. Broke-ish All-Star and our Black Liberation Media comrade, Dr. Jared Ball, joins us to unpack the fallacies and insidious white supremacy underlying the statement. Join us to learn why capitalism and a good budget won’t save us from this broken “ish”!

Whew, chile! Broke-ish is starting Season 10 with a bang - literally and figuratively. John Hope Bryant, chairman and CEO of Operation Hope, the nation’s largest nonprofit provider of financial literacy resources, joins us to discuss the ins and outs of financial literacy. But the conversation gets interesting when Amber and Erika push back on Bryant’s belief in a colorblind and race neutral economic system in which anyone can succeed if they are financially literate. Throughout this interview, you’ll hear some of the most common myths on the virtues of financial literacy as a tool to achieve equity. But in this episode and for the remainder of the season, we’ll roll out the receipts to show that Black people’s broken “ish” is a feature and not a bug of this racist, capitalistic system. Lace up your boxing gloves and press play!

Broke-ish is ten and officially a preteen! And like most prepubescent knuckleheads, we’re still a (mostly) delightful mix of unserious, curious, determined, and ever-evolving. We open Season 10 by recapping some of the notable shenanigans that occurred during our break, including Diddy being remanded without bail, Eric Adams’s indictment, and CBS Morning’s interview of Ta-Nehisi Coates. Then we discuss what the Brokers can expect this season and how you can be apart of what we explore in Season 10z Press play to get the scoop!

And just like that, it’s a wrap on Season 9! Amber and Erika pause to look back on the highs, lows, and in-betweens of Season 9 and muse about what we’ve learned, our hopes for the future, and what you can expect in Season 10! America is still Broke-ish, but we are we resolved, determined, and excited about creating a better future for us and by us. Tune in to hear our reflections on this season!

In this episode, Amber and Erika pause to reflect on the horrific murder of Sonya Massey and the ascendance of Kamala Harris to the Democratic presidential nominee - all in the same week. We discuss how both women reflect different, yet ugly truths, about the unjust American police state. And we also reflect on the unique emotional impact of both events on Black women. Can we truly mourn Sonya Massey and simultaneously celebrate Kamala Harris? Is representation still a valuable indicator of progress? Can we hold the tension of Kamala’s identity as a law enforcement agent while still celebrating the historic significance of this moment? Tune in to hear what we have to say!

On this payday, Amber and Erika are examining America’s third branch of government, the judiciary, and its often overlooked role in upholding the unjust systems at the base of this country. We examine three recent rulings - the Supreme Court’s decision to overturn the Chevron Doctrine and expand presidential immunity and the Eleventh Circuit’s ruling dismantling the Fearless Fund - that reveal how judges can wield their power to promote inequitable political agendas. Next, we discuss how nefarious politicians co-opted the playbook of the Civil Rights Movement to dismantle judicial equal protection and racial remediation. Tune in to learn why we all need to pay more attention to the judicial branch!

On this payday, Amber and Erika are throwing it back to an oldie but goodie: Civics 101! So many of us are disturbed, angered, and concerned about the state of our current political affairs - especially after the first presidential debate. But this episode reminds us that our focus needs to go beyond the pageantry of it all to the structural and systemic ways that our government conspires to disempower the common man. So run this one back to get ready for this crazy election cycle!

On this payday, Amber and Erika discuss America’s hijacking of Jesus and the church’s complicity with inequity, exploitative capitalism, and anti-blackness. We are joined by Stephanie M. House-Niamke, a sociologist whose work centers on power, access, and choice, across the areas of race, gender, and religion. Stephanie helps us see how problematic theological frameworks like the prosperity gospel and manifest destiny have resulted in the church being an extension of many of the same exclusionary, unjust practices propagated in our broader society. We also explore whether and under what conditions the Black church can return to itself, extricating the White Supremacy that has crept into its midst. Press play to hear what we have to say!

On this payday, Amber and Erika are talking about the unprecedented attack on America’s public schools by conservative Republicans seeking to ban DEI efforts and replace fact-based curricula with ideological propaganda. Joined by Mike Hixenbaugh, investigative journalist behind the podcast series “Southlake” and author of the New York Times bestselling book “They Came for the Schools.” We look at how one suburban town’s fight against diversity initiatives highlights the role racism plays in shaping public education. We also drill down to the dark money driving the efforts to defund public schools and promote vouchers in its stead. Unsurprisingly, these efforts are likely to have a disproportionately negative impact on Black families. Tune in to get the scoop on the fight brewing over America’s public schools.

On this payday, Amber and Erika deep dive into anti-blackness propagated by other Black people. Although we usually focus on whiteness and white agents of anti-blackness, this episode looks at the unique harms to our community when Black leaders and influencers peddle in anti-blackness. From pathologizing Black people to blaming and shaming us for problems directly caused by white supremacist systems, we unpack how to identify anti-blackness and why white supremacy is invested in amplifying Black agents of it. Using examples like Emmanuel Acho, Al Sharpton, Candace Owens, Charlemagne the God, and Roland Martin, we show that anti-blackness is often insidious and packaged as informative and/or liberation. Tune in to get the scoop!

On this payday, Amber and Erika are debunking millionaire myths. Despite what we see on social media and television, most people will never ascend to the status of millionaire. But even for those who do, it doesn’t always equate to a life flush with cash and no financial worries. And this is, of course, especially true for Black people. We get back to the basics by first explaining how to calculate net worth and then exploring the different asset classes that are included. Next, we discuss who is most likely to be a millionaire and how they got there. Be warned: it’s probably not what you heard on IG! Tune in to get the scoop!

On this payday, Amber and Erika are “celebrating” Financial Literacy Awareness Month. We discuss what financial literacy looks like and how it is distinct from and related to financial education. Although, the Brokers know that financial literacy is not the antidote to the racism and inequitable capitalism that conspires against Black people, we look at the role of understanding money and economics as a means of survival. Walk with us as we navigate what it looks like to be financially savvy AND invested in dismantling this unjust capitalist system. Take a listen to get the steps!

On this payday, Amber and Erika discuss “Secure DC”, the new crime bill recently enacted in the nation’s capital that harkens back to the “tough on crime” approach of the 80s and 90s. Despite history and data overwhelmingly demonstrating that increased policing and carcareal punishment do not reduce crime, we attempt to unpack the reasons why our policy makers constantly revert to this losing strategy. But most importantly, we highlight the anti-Blackness at the core of over-policing and criminal justice policies that ignore the poverty, inequity, and lack of resources that often fuel criminal activity. Press play to get the scoop!