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The Brokeboi Mentality: Here are 6 apps to keep that bag full

Staying within the brokeboi mentality can be hard. But we live in a world of technology and convenience, so why not use it to help with spending and saving?

These brokeboi apps will help you budget, save, and invest your hard-earned cash on a regular basis. Plus, the best part is they’re all at your fingertips.

So what are you willing to do to keep running up multiple bags to get to the top?

Mint

 

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Ever wonder where your money’s gone?

Then you spend time looking at your bank statements you recognize all the charges but wish you knew where you could’ve saved some. Try Mint. It’s basically a budgeting app.

You connect your cards to it and set budgets for each type of spending, from bills and utilities to gifts. You can get as vague as “food and dining” or as specific as “fast food” or “coffee shops” when it comes to categories.

Beyond budgeting, the app gives you updates on your credit score, recommendations on what credit cards or loans are best for you and other apps that might be useful to you.

Mint will basically layout for you where your money is going so that you can make better financial decisions in the future.


Expense

If you’re not comfortable connecting your accounts to an app you can keep it old school. The Expense app will be on you to remember to input every charge. You can still add categories though.

As long as you stay on it you’ll quickly see where your money goes and you can make educated changes to get ahead. The app is simple but requires consistency from you.


Drop

Do you know how certain cards give you cash-back on purchases? With Drop, you can make that cash-back double. The way it works is you connect your cards, and earn points while using the portals within the app to shop at retailers and websites.

The points you earn per dollar can change over time with some getting a boost for a few days. You also get to choose 5 regular stores/services that you tend to spend with and those will be your “Power offers.”

With “Power offers” your connected cards will automatically earn you rewards points every time you use them on those 5 power offers. The points are redeemable as gift cards to multiple stores and websites like Starbucks, iTunes, American Airlines, Groupon, Nike and more.

Peep the link and start stacking up rewards.


Robinhood

Stocks are the wave but it can be hard to figure out how to buy them. Diversify your money with Robinhood. The app makes it easy to check out stocks and their past growth so that you can make a better decision about what to buy.

 

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Within every stock page, you see the % of Analysist recommend buying, holding or selling at any given time. As you get more stock exchange literate the app will help get you started with an easy to use interface.

Plus here’s a link to a free stock when you sign up.


Acorns

If you’re not so great at saving regularly, or if you just don’t feel comfortable shelling out $100 to buy a given stock at a time Acorns is here to help.

The app rounds up your purchases to the nearest dollar amount and invests that money based on your preferences. By answering questions like how much risk you’re willing to take with your money, to how soon you’ll want to take it out, Acorns will act like a robot advisor on what portfolio of stocks to automatically invest in.

But look out for fees.

If you’re a college student under the age of 24 the lower-tier version of the app is free, but if you’re not there’s a dollar monthly fee. So if you haven’t been saving starting out Acorns is a good idea.

Peep the link for $5 to start out.


AfterPay

Ever needed to buy an outfit today to get it in time for that event but your funds are too low for the whole amount? Don’t have a viable credit card to charge it to, or just want to spread that bill out? Check out AfterPay, and basically pay off your receipt in installments.

The way that it works is that while using the app you connect your card, select the amount you need which will generate a barcode to use in person at the register when checking out.

The card on file will be be charged every two weeks to complete the purchase amount in four installments. You can choose for the money to be taken automatically or you can manually pay off the amount billed or more.

The app is also automatically an option at a lot of online retail websites like Urban Outfitters and Levi’s so your account is usable on a desktop, as well as portals within the app to several retailers. Just make sure you don’t overspend with this one.

Brokeboi apps are here to help you spend less, save more and make more of your funds. So keep the brokeboi mentality close and the bag even closer.

Should wealthy people give up the bag or continue to give advice?

Wealthy advice, you’ve heard it a thousand times.

Rich people giving middle and lower class people advice on how to make big moves. We’re tired of the tone-deaf “advice” from rich people. That’s why we dub wealthy advice.  Those who really wanna help those less fortunate do so with all their resources.

Juicy J recently tweeted in reaction to Tyler Perry’s buying a huge amount of land and building a fully functional filming studio. People did not respond with praise.


Why this ‘wealthy advice’ is frustrating

Even after starting from nothing, once celebs end up gaining wealth they forget what it was like at the bottom. They think everyone has a couple of M’s to invest, some racks to spend on buying property, or access to business starting funds. And what’s more, they think middle and lower class people aren’t making these moves because they’re either ignorant or lazy.

There are too many wealthy people thinking they know better. We’ve seen videos of millionaires not knowing the cost of basic grocery store items. It might be funny to watch but it’s also abhorrent that someone has so much wealth that they literally don’t know how much things cost.

We’ve seen celebs take down photos of an insane amount of wealth after backlash. Kylie Jenner posted her $3 million dollar Bugatti on social media after her split with Travis Scott. Of course, we weren’t having that gross display of wealth when there’s so much that money could do to help those in need.

So she ended up taking it down.


Be the change you wanna see

People are tired of wealthy people giving them useless advice. If celebs and wealthy people really want to help they can take a page out of Nipsey’s book. They can invest in the community like Killer Mike. Furthermore, wealthy celebs can help educate minds like NoName.

Rich people can do more than talk.

https://twitter.com/ethicalpute/status/1181930289032904704?s=20

Because people who work three jobs don’t need to wake up, they need some rest and support.

Just breathe fam: 4 low-key mental health practices to add to your routine

It can be hard to really find time for self-care and keeping up with your mental health. We know you’re busy hustling, planning and envisioning your goals. You don’t need to stop all of that to check in with yourself.

So in honor of World Mental Health day here are four lowkey mental health moves you can incorporate into your day for better mental health.

Breathe

Call it meditating, connecting with yourself or relaxing, it all can boil down to breathing. Take a minute or 5 out of your hectic day to slow things down.

Your focus will better, your anxiety and stress will be more manageable. Self-care can start with just 60 seconds of slow inhales and exhales.


Speak kindly to yourself

There’s so much constant negativity in the world. People can be shitty to you at work, on the train at home. The least you can do is not add on to that negativity.

Tell yourself what you like about yourself. Remind yourself what your successes are, how strong you are for what you’ve been through.


Do something nice for someone else

Being kind to others has a profound effect on you as much as or more than others. That smile on that stranger’s face when you hold the door open for them?

That’s immediate gratification that you’ve added beauty to the world. Plus, if you believe in karma, what goes around comes around so why not put in some positivity and kindness to cash in on for yourself later?


Be around positivity

Even if your surroundings are bleak or stressful, finding some time around friends or family with good vibes can really make a difference in your mental health.

Say yes to that drink after work, that cyph on the weekend. Or just hit up and text someone and ask about their day.

Give her space: Summer Walker is an R&B introvert and we love her for it

The R&B scene has not been the same since Rihanna and Frank Ocean walked away, but in that absence, a new star is born: r&b introvert Summer Walker.

In the vein of H.E.R., Ella MaiAri Lennox, and SZA, the soulful Over It seductress joins the party with beautiful vocals and real content matter. But Summer Walker is different in her approach to fame, she’s all about minding her business and keeping things lowkey.

https://twitter.com/senpaiikris/status/1181351934965374976?s=20


Non-Sociable Club

Nearly every interview with the singer is distinctly calm and almost uncomfortably awkward for the interviewer. It’s as if Summer Walker is almost willingly open about her disinterest in the hype.

She identifies as a non-sociable person. Even when excited about her success and the attainment of her goals she emphasizes her introverted-ness.

“I like my own space.”

Image result for summer walker gif

This is jarring to most of us who are used to celebrities and newly famous people who are loud and outspoken, especially women. We’ve gotten used to Cardi’s energy and Rico Nasty’s anger.

We can easily identify with the bubbliness and excitement of Doja Cat. We love Lizzo for her humor. We’re not prepared however for laid back demeanors that refuse to match the energy of hype men.

“I didn’t wanna do interviews ‘cause I just feel like I’ve said what I’ve had to say in my music.”

And that’s absolutely okay. Introverts are extremely creative but often feel like they need to conform to a media personality that doesn’t fit their own.

Summer Walker is a perfect example of someone who is undeniably talented and finds herself in the limelight but doesn’t flinch. She’s the same in-and-out of fame.


Ultimate Introvert Dreams

Summer’s previous profession was stripping and she says she misses the pole, but mostly in a therapeutic way. She’d like to get one back in her room, put on some music and candles and swing in the air.

When asked if she had any other plans besides making music on an Up Next Beats 1 interview, Summer said,

“I just wanna make soap”

When pressed for more information, Summer Walker explained that she’d like to have a house with a garden to grow herbs and roots and everything necessary to make soap. The perfect homebody pastime.

“The goal here is getting a garden and a home, and going to get a Benz right now would not be very intelligent.”


Confidence in your Craft

It’s obvious that Summer’s social preferences don’t mean that she’s not confident. Walker even low-key curved Champagne Papi himself. Drake was inspired by the song Fun Girl and reached out to Summer.

A collab may be in the future but Summer Walker is anything but an obvious fangirl.

 

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So I guess fun girl is his favorite song on the album, mines isss… BODY🥰 what’s yours ?

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She simply does not like talking to others and prefers to share her thoughts and feelings through music. Your goals can be simple as long as you stick to them and it seems like Summer Walker is well on her way to achieving them.

So if you’re a homebody, an introvert or just not that social, hone your craft make a few key moves and pursue your dreams small and large.


In the meantime stream Summer Walker’s Over It below.

Ditch the label? Why signing a deal doesn’t always lead to the bag

“We’re all indentured servants” – Prince

Prince told us a long time ago to ditch record labels, and some listened but the vast majority of artists still fell into the trap that is the music industry. Others created their own labels and successfully looked out for their own.

But still, exploitation continues and with social media, artists have a larger opportunity to communicate their unhappiness with fans and the public at large. Are you ready to ditch your label?

Desiigner has been one of the latest to express his frustration in a recent tweet.

It used to be every young artists’ dream to get signed to a record label. In fact, several comments under Desiigner’s tweet share this sentiment.


The Dream

Getting scooped up by a label one meant both making it and knowing where your next paycheck came from. You had more access to funds, more potential for opportunity and overall you got to do what you always wanted to do, music for a living.

But all of those dreams seem to be a hoax. We’ve been hearing for decades about artists who become unhappy with their record contracts, the amount of physical labor music companies require them to endure. We also frequently hear about artists’ lack of creative liberty to do exactly what got them signed in the first place.


The Nightmare

Some contracts with record labels require ultra surveillance over an artists’ life, like barring dating to requiring 20-hour workdays leading to hospitalization for exhaustion.

Kpop stars’ experience with demanding and overworking labels seem to be the most publicly available for fact-checking. Kpop group BTS recently signed with American record label Columbia records. Sony Music Entertainment is the parent company of Columbia records.

Artists based in the have expressed both musically and through behind the scenes leaked videos how signing to record labels can be a terrible deal, often referred to as slavery.


Nonstop Exploitation of Artists

Lauren Jauregui of Fifth Harmony responded to a fan seeking advice on how to navigate the music industry by telling her to “read your contracts.”

Contracts with record labels often bar artists from speaking out against the label to the public. This makes getting the real horror stories about the exploitation of music labels difficult to quantify.

Fellow 5H member Dinah Hanson told Billboard that she was unable to attend a loved one’s funeral due to the contract and touring requirements.

“I was like, ‘What kind of job are we doing?’ I watched my great-grandmother be buried on FaceTime.” – Dinah Hanson

In the past Prince, Michael Jackson and Mariah Carey have called out Sony for their exploitation and abuse.

Mariah Carey, in fact, divorced Tommy Mattola who headed Sony Music Entertainment and made it clear that her relationship to Mattola included abusive and controlling behavior that extended to her music.

Let’s not forget about the battle that Kesha had to fight in order to simply get away from an abusive producer. Sony records required her to continue to work with Dr. Luke due to her contract, despite sexual assault allegations.


The Solution

So what can artists do to avoid all this? Some have been able to stay independent from the start like Chance, but others have had to battle for their ability to produce music independently.

Frank Ocean released Blonde by himself in 2016 and since then has been buying back master recordings from Def Jam. Kid Cudi was able to leave GOOD Music after a heart to heart with Kanye.

But not everyone is lucky enough to talk themselves out of a contract. JoJo of “Leave (Get Out)” fame, spent years in a lengthy battle with Blackground Records a label that could not release her music but would also not let the young artist produce with a different distributor.

The world of tech has come to the rescue with alternatives to exploitative record labels. Streaming and Music distributors like UnitedMasters are making artists journeys into the music industry their own. Keeping what they earn with all the creative freedom and individual decision making.

Get your Brit fix: Here are 5 UK dramas to binge after ‘Top Boy’

Top Boy has recently taken the internet by storm with its’ latest season on Netflix. With amazing writing acting and a fire soundtrack, it’s hard to ignore the show’s power.

It’s rare that a Brit drama does so well in the states but we often forget how good TV is across the ocean. So, if you’ve already binged all of Top Boy and are in need of another fix, try out these UK dramas.

Luther

Luther is a crime drama centering around detective John Luther played by Idris Elba. DCI Luther is smart but highly impulsive and often violent.

He excels at tracking down murderers but is deeply affected by the dark side of humanity. Luther makes both great strategic decisions but also falls victim to his emotional impulses leading him to terrible consequences.

Watch all four seasons of Luther on Amazon Prime.


Broadchurch

Broadchurch is also a crime drama, but with each season focusing on a specific incident. The series is led by talented British actors David Tennent and Olivia Coleman who play Alec Hardy and Ellie Miller respectively.

The first season focuses on the disappearance and death of 11-year-old Danny Latimer. The show was remade in the U.S. with David Tennant staying on, but the original far exceeds the remake in quality.

Watch all three seasons of Broadchurch on Netflix.


Killing Eve

You’ve probably heard about this one. Killing Eve is an ongoing drama following bored desk-bound MI5 security officer Eve who becomes obsessed with catching Villanelle an unpredictably moody expert killer.

Both Eve, played by Sandra Oh, and Villanelle, played by Jodie Comer relish the game of cat and mouse that ensues.

Watch Killing Eve on Hulu.


The Crown

If you want a break from crime dramas, but still want a good British show check out The Crown.

The show follows Queen Elizabeth II played by Clare Foy in seasons 1 and 2 during her early reign in the 1940s. The show is expertly written and acted and expects to return with Olivia Coleman taking over as an older queen Elizabeth in the coming seasons.

Watch The Crown on Netflix.


Misfits

Misfits marries adolescent ‘Skins’ drama with sci-fi superpower drama. So, if you’re into teens randomly getting weird powers after being in a freak electrical storm and having to deal with it this is the show for you.

Both funny and compelling, the series follows young delinquents paying for their crimes on community service duty. The show’s first season is the most iconic, with other seasons straggling behind and the last totally changing all the characters.

Still worth a look for the sake of the original plot and good acting.

Watch Misfits on Hulu.

Social media finesse: 7 artists who prove a tiny bit of engagement goes a long way

What do artists do to keep their fans engaged between projects? Vince Staples told us straight up that utilizing the internet is a top priority to keep the bag coming.

Granted he was talking about taking advantage of people on the internet to benefit his career. But he wasn’t wrong. So who are these social media samurais and how does it work?

“Send out 20 tweets a month, get people to look at them and then you don’t have to do anything except maybe a show” – Vince Staples

Being social media savvy is becoming a requirement for any public job. Whether its entertainer or politician, knowing how to tweet and use memes will put you on a different level in your career.

Lil B

Peep OG Lil B. Although his fame has died down in recent years, the based god stayed relevant on Twitter without having to release a lot of music. And it worked.

People stayed tuned. Because of his loyal fan base, Lil B still gets constant interaction from his fans, and no to mention tons of feet pics.


Rich Brian

Rich Brian is a more recent example. Starting as Rich Chigga, the Indonesian artist got big after his hard-hitting single “Dat $tick” exploded online in early 2016. A complete album titled Amen wasn’t released until 2018.

During that gap, Rich Brian retired the Rich Chigga namesake to be more conscious of racial implications of being in and benefitting from a Hip-Hop space.

He also made sure to capitalize on the “Dat $tick” popularity with more appearances and collabs here and there, but most importantly Rich Brian was conscious of the importance of the internet. His Twitter is a perfect example of an artist keeping the hype alive even after releasing his July 2019 album The Sailor.


SZA

SZA similarly has the same tactics. While we wait for another album release to follow CTRL, we can engage with one of our fave artists on twitter and IG. SZA regularly responds to fans and comments on other artists’ tweets.


Lil Nas X

Lil Nas X also uses his social prowess to keep fans engaged since “Old Town Road” blew up. Between that, the remix music video and his latest album, Lil Nas X has been consistently tweeting and posting on IG to keep the masses interacting with the music.


Zack Fox

 

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consider this my endorsement for Bernie Sanders

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But Social media king manipulator might be Zack Fox.

His music is mostly on SoundCloud and only has two songs on Apple Music and Spotify; the infamous viral freestyle “Jesus Is The One (I Got Depression)” from 2019 and “Square Up” in 2018. However, Fox has dominion over socials.

So much so that his Twitter got suspended and he moved over to IG and didn’t skip a beat. Did we mention that there’s no album in sight?


Princess Nokia

 

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💖 Ramona Flowers 💖 Black sheep by metric

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Princess Nokia also expertly used her presence online to keep things alive between her music releases.

Her Instagram frequently showcased her amazing style as well as her spiritually as fans awaited a music release fulfilled by her song “Sugar Honey Iced Tea (S.H.I.T.)”.


Kehlani

 

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bring your mini to work ..everyday

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Kehlani hops on tracks here and there but hasn’t released a full album in a minute. Although she’s busy with other things like being a mom, she’s still highly active on socials.

With her Twitter posts garnering over 100k likes and 15k retweets, and IG posts always over 500k often just shy of one million likes. It’s important to remind everyone she’s still in the game even if the next album is still a little while away.

What’s important is keeping people involved and engaged. Remember the saying all publicity is good publicity? Now it’s just a numbers game, how often people interact with you and your content depends on how you use social media and the internet to interact with them.

Is Chelsea Handler’s exploration into white privilege worth the watch?

Comedian Chelsea Handler set out to create a documentary exploring her white privilege in an attempt to be a better ally to POC.

The intention is positive, but the documentary lacked a lot. Handler seemed to bite off more than she could chew. She did, however, make it clear that being Jewish does not exclude you from white privilege.

Handler begins by speaking to two Black comedians about what she’s setting out to do. She asks Tiffany Haddish and Kevin Hart to tell her the most important thing they’d like white people to know about white privilege.

A question that already limits the conversation and is inherently hard to answer. Chelsea’s learning right? Haddish makes an emotional speech about having a generational wealth of knowledge, power, and economic means.

But somehow Chelsea ends up somewhere making a joke about an old Jewish man dying in Tiffany’s arms during a Bat-mitzvah? Already not a great vibe.


Rocky start

Early in the documentary, Chelsea goes to a gathering of young people, primarily college students discussing white privilege through an open mic type forum.

After introducing herself and explaining why she’s there and asking to learn, several people of color had critiques to share. One woman, in particular, pointed out the privilege of even being able to make a documentary centering around Chelsea. And she’s right.

It’s ironic that making a self-reflecting documentary about white privilege is actually a privilege. Let’s not kid, this film will make money, Netflix money.

It will be a calling card of virtue for its star (even if that’s unintended by her). And as another attendee of the open mic expressed, a documentary talking about privilege won’t change things, action will.


Listening and learning falls short

Chelsea did listen though. As best she could in her journey through discovering whiteness, it was apparent that she was listening. She heard the frustrations of POC saying they’re tired of teaching white folk about their own issues with whiteness.

So, Chelsea changed course and sought out to talk to white people about privilege. And again, despite the intentions being positive, it had a surface-level impact.

The whites she talked to overwhelmingly downplayed or denied white privilege and Chelsea barely questioned them. The montage felt like a poorly executed correspondent package from the daily show because none of the hard-hitting questions or debating or redirecting consciousness was there.

But she tried again. This time with a group of female conservatives, most of which started out denying white privilege and later lightly considering the possibility of its existence.

This part of the film might have been the most beneficial.


In too deep

During her conversations with white Tennessee rapper Jelly Roll, Chelsea realized something about her privilege. While in high school she had a black boyfriend who frequently got into trouble related to drug possession while she got off easy.

The realization was a cringe-worthy watch. It was important for her exploration of white privilege but seeing it again in a documentary on Netflix felt sus.

It could be the idea that Chelsea is making money off of her journey to wokeness and that she’s gaining social status off of her realization that she has the privilege. But her next step was particularly jarring.

She went to visit said ex-boyfriend to share her realization. But the conversation was more about how he ended up in jail for 14 years, a story he said he didn’t want to talk about, but Chelsea persisted. The meeting with his mom and talking about their drug addiction just felt wrong after that.


The takeaway

The big takeaway from the documentary that was reiterated by several of the people interviewed was that white people need to have the difficult conversations about whiteness with each other and be allies 24/7 not whenever they feel guilty.

The truth is, every white person’s journey into realizing their racial privilege and working on being an ally is different. It takes time, it takes mistakes. Chelsea’s mistakes aren’t the issue, so much so as the televising of those actions as heroic feats.

Don’t watch this thinking it will have a revolutionary impact on how white America views its own privilege. Watch the 13th again instead if you’re looking for that kind of life-changing knowledge.

Why Gen-Z political activism could be our last hope to save the world

Gen-Z has been emerging and growing into a generation of political activists for collective issues in the U.S. and the world. The Climate Change debate is heightened with the introduction of young people’s protests.

Greta Thunberg recently addressed United Nations leaders with a no-nonsense speech chastising them for doing little to nothing to avoid environmental disaster.

What makes Gen-Z activists like Thunberg so powerful? Could this be our last hope as a country? A species? A planet?


The Later half of Millennials started the ‘woke’ movement and Gen Zers rose the f*ck up.

Remember the beginning of the “woke” movement? BLM did much of the heavy lifting to bring wokeness to mass consciousness. Becoming woke was and is to promote political and social justice knowledge.

So the early 2010s when later millennials were becoming adults really made it possible for younger teens and kids in Gen-Z to come into their own understanding of what it means to be woke, and later what to do with it.


Why does Gen-Z care?

Gen-Z will bear the brunt of climate change, and deal with all the BS. Earth is cooked in so many ways. And young people know this and know they’ll have to deal with the worst of it.

Gen-Z knows that gun violence in the U.S. affects them specifically and they’ve been through shootings again and again. The answers are simple.

White Gen-Zers are more willing to explore and understand racial politics and issues, in part because POC Gen-Z have the ability to be more vocal through social media.


Gen-Zers use all their resources

Armed with access to woke materials, social media and technology they’re the best equipped to take a stand and make shit happen.

They’ve got their own peers to emulate, like Greta Thunberg, Emma Gonzalez, David Hogg. Plus they’ve got a few millennials here and there to look up to, AOC, BLM founders Alicia Garza, Patrisse Cullors, Opal Tometi.

Gen-Z has a lot going for them and they’re smart enough to use it to secure a future worth living for all of us. So how will you help? There are 10,080 minutes in a week, surely some of those are worth spending on fighting for what you believe in.

Swipe it forward: Guerrilla posters point out the MTA’s anti-poverty tactics

The MTA has spent a lot of money on unnecessary improvements like painting arrows on the ground pointing which way to walk into a train and random announcements. There’s nothing like sticking it to the MTA when you swipe it forward.

But recently the MTA has stepped up their game to keep us all hating them with their fare-evasion ads and tactics. From stopping pre-ticket buses to check receipts during rush hour, to adding more police to arrest turnstile jumpers, the MTA always finds more ways for us to hate them.

All those ads telling passengers to not hold gates open and to pay the $2.75 fare or pay $100 fine. But some people weren’t having it.

And they’re right to reject the anti-poor people ads. Because we know that’s who they’re targeting. MTA is attacking the working class people that sometimes can’t afford that $2.75, or students that don’t have money for that swipe, or a homeless person just trying to get out of the cold.

Doing some quick basic math, NYC spends about $50 million prosecuting fare-evasion cases every year. In 2017 there were 18,000 arrests and if all those people got reduced fare cards that would’ve cost about $14 million. So let’s be honest this isn’t to save money or make the delays better. It’s just some more capitalist bullshit.

Poverty is not a crime, but the MTA is making it one.

https://twitter.com/yung_waldo/status/1174169017982099456?s=20

So if you’re worried about the law, swipe it forward. Do you have an unlimited? Swipe ‘em in when you leave. Because the MTA has bread for a $4.5 billion 2ndAve subway that somehow stops right before Harlem, but can’t chill on that high schooler tryna go to their school’s basketball game, or your neighbor getting to the retail job that pays her next to nothing. If they don’t have $2.75 what makes you think they got $100?

Keep raising fares and we’ll keep swiping people in MTA. New Yorkers do not give a fuck. Your move.