# Episode 61 - GoFundMe Is Not a Plan: How to Actually Protect Your Income and Build Generational Wealth | Business Therapy™

Page: https://stenobird.com/podcast/business-therapy-with-jok-7032796/episode-61-gofundme-is-not-a-plan-how-to-actually-protect-your-income-and-build-generational-wealth-business-therapy
Text version: https://stenobird.com/podcast/business-therapy-with-jok-7032796/episode-61-gofundme-is-not-a-plan-how-to-actually-protect-your-income-and-build-generational-wealth-business-therapy.md
Podcast: [Business Therapy™ With Joké](https://stenobird.com/podcast/business-therapy-with-jok-7032796)
Published: 2026-07-24T14:00:00+00:00
Episode link: https://share.transistor.fm/s/9dba0bb3
Audio file: https://media.transistor.fm/9dba0bb3/5782d734.mp3
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Duration seconds: 2861

## Resource

This episode is a little different for me. It's my first in-person, in-studio conversation and my guest is my good friend Pacha Badibanga , a nurse turned financial literacy expert and founder of Afya Legacy. Pacha and I met through a wealth-building event we co-hosted together and that conversation genuinely shifted the way I think about money and protection, so I knew I had to bring her on the show. Pacha's years in healthcare leadership and nursing education gave her a front-row seat to what can happen to a family's income and savings the moment illness, disability or death shows up uninvited. In this episode, we talk about the "three baskets" your money can sit in, why investing might actually work best as a later step rather than a first one in a solid financial plan, what really happens to your accounts through probate and the true cost of a funeral. Pacha also shares why she sees GoFundMe pages as a sign that a plan was never put in place to begin with. One moment that stuck with me is when Pacha talks about the "false sense of security" that can come with a 9-to-5 job and a savings account and why protecting your ability to earn income might be worth considering before diving into investing. In this episode, I ask Pacha about: ✅ Why she calls GoFundMe "not a plan," and what usually leads a family to start one ✅ The three financial "baskets": tax now, tax later and tax advantage ✅ Why protection can be a helpful place to start before investing ✅ What can happen to your income, home and investments if illness or disability strikes ✅ Health insurance vs. income-protecting life insurance with living benefits ✅ What happens to your accounts and estate through probate court ✅ The real cost of a funeral, and why so few people plan ahead for it ✅ How life insurance can…

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## Transcript

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