Pamela Capalad

Co-Founder, Curriculum Developer, & Workshop Facilitator

Pamela Capalad, CFP® stumbled into financial literacy because she needed a summer job and a place called the money camp was hiring. She found herself teaching week long camps where kids learned how to budget, use credit cards wisely, save their money, start businesses, and invest the stock market.

After three years of teaching scores of kids (and adults!), she was convinced that there was a crippling need for financial literacy education, so she took her Literature degree from UC Santa Barbara and made her way to New York City, where she thought she could get the best insights on how the financial industry really worked.

Eight years later, she is still wading through vast amounts of information (and earned her CERTIFIED FINANCIAL PLANNER™ designation in the process) so she can continue to demystify the complex world of finance for Pockets Change kids and for her Brunch & Budget clients.

You can catch her on the internet waves every Sunday at 2:00pm ET on Bondfire Radio.

Andrea Ferrero

Co-Founder, Curriculum Developer, & Workshop Facilitator

Andrea Ferrero has over a decade of experience teaching PreK-12th grade, coaching educators,and designing award winning educational programs and products. Andrea holds a teaching credential in PreK-12th grade multiple subjects and two Master’s in Educational Leadership and Curriculum & Instruction with Multicultural Contexts.

Teaching on the Navajo reservation where she grew up, Andrea saw even the brightest students falter when money moved from math class to practical application. Looking for tools to break the cycle of poverty and empower learning communities, Andrea stepped into the world of financial literacy and edtech.

You can find Andrea working at the intersection of education, social justice, and business. She works diligently to create meaningful learning experiences that support learners of all ages in taking agency and finding their voice.

She is always happy to share coffee and a conversation about changing the world through the development of financial capability.


Curriculum developer, Workshop Facilitator, Graphics and Layout manager

Brian ‘Dyalekt’ Kushner moved from St. Croix to New York to study acting and law. He also liked to rap. After witnessing civil rights injustices at the law firm he worked for, he dropped both the job and the law classes, pursuing the arts instead. Performances at the Nuyorican led him to Hip Hop Theater, writing plays that have been performed on stages across the world. He didn’t sleep on the rapping either, releasing music and touring internationally. His first album/one man play Square Peg Syndrome helped him get named to the Public Theater’s Emerging Writer’s Group. He has been a mainstay in NYC’s theater and Hip Hop scenes, rocking everywhere from the Bowery Ballroom to the Oregon Shakespeare Festival.

When Dyalekt was invited to present at a workshop for New York SCORES, a soccer and poetry program in Harlem and the Bronx, his perspective on performance changed. Students are much better audience members than bar patrons, and Dyalekt found he had a natural affinity for facilitation. Hip Hopping with students like he did with MCs in a cypher led to better engagement, grades, and overall attitude toward school than the usual class.

After researching Howard Gardner’s Theory of Multiple Intelligences, Dyalekt designed curricula lining up the elements of Hip Hop with each learning style. Through Hip Hop, or rather, by Hip Hopping, students could assess their learning tendencies and use them to their benefit. Furthermore, the community aspects of Hip Hop show students how to be responsible citizens, peer mentors, and advocates for justice. Dyalekt brought this curriculum, along with his album/play back home to St. Croix, rocking with 17 orgs and over 400 students. They produced 2 books of poetry, an album, and a documentary. He also now teaches teachers how to MC in a classroom.

Dyalekt had been an entrepreneur since his teenage days, and tells his students that the only thing that gets him out of his house before 10am is talking to kids, because he would never make it working on a punch-clock schedule. Since the essence of Hip Hop is making something from nothing, Dyalekt has rapped, written, and performed every freelance gig available to his skill set. He ran rap based Lincoln-Douglas debate/battles to teach youths how to prepare and present at a job interview. He linked up with Pockets Change to help students find freedom in expression, understanding, and finances.