Ep. 26 If the thought of losing your life insurance coverage when you need it most keeps you up at night—or if monthly premiums feel like a financial juggling act—this episode will give you peace of mind you.

C.J. breaks down how Smart Lock works, why it’s a powerful solution for protecting your family and your future, and how it flips the script on traditional insurance models.

From avoiding policy lapses to converting retirement savings into lasting legacy protection, this episode empowers listeners—especially in underserved communities—to make wiser, more sustainable financial decisions.

🎯 Key Takeaways:

🔊 Memorable Quote from C.J. Francis-Eronini:

📲 Resources Mentioned:

🌐 Learn more: YUFinancialCo

📲 Follow Dr. Pam: @iamdrpamala

📞 Call Dr. Pamala: 585-454-9827 or Cell: 585-330-0766

Email: [email protected]

Chapters:

0:00 Smart Lock: A Single Premium Insurance Asset Solution

1:44 Reimagining Life Insurance for Uncertain Futures

7:12 Turning Lump Sums Into Lasting Financial Protection

9:28 Insurance as a Two-Way Street for Families

13:17 Liquid Asset for Family Protection

20:01 Determining Minimum Insurance Needs for Financial Security

24:40 Understanding Insurance Policies and Financial Security

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Ep. 25 What if the very setbacks meant to break you became the blueprint for your empire?

In this powerful episode of Grace & Grind, Dr. Pamala Brown-Grinion sits down with the dynamic Dr. Tonya Cannon—educator, entrepreneur, filmmaker, and founder of Ascension Online College—for a conversation that will shift your mindset and challenge your definition of success.

From navigating professional setbacks to building a thriving consulting firm and award-winning production company, Dr. Cannon shares how choosing resilience over resignation changed the course of her life. She dives deep into how forgiveness, self-belief, and bold innovation helped her rewrite her story—and how you can do the same.

✨ Whether you’re reinventing yourself, launching a business, or healing from your past, this episode is your permission slip to level up with intention.

Reinvention Is a Choice: Adversity doesn't define you—your response to it does. Dr. Cannon shares how her lowest moments became fuel for her next chapter.

Multipassionate Leadership: Explore how blending education, creativity, and consulting can create a career as unique as you are.

Healing Through Forgiveness: Learn why forgiveness isn’t about others—it’s a decision to free yourself.

Build Your Own Table: If the system won’t open doors, create your own space for excellence, as Dr. Cannon did with Stagecraft Entertainment.

Education Without Barriers: Discover how Ascension Online College is democratizing access to affordable, high-quality learning.

"You can aspire to greatness, but that is a choice. Success is a choice."

"You cannot expect to experience change or to reach a higher level of success with yesterday's strategies."

"If Hollywood's not gonna give me what I want, I'll make it myself. I don't need you."

"Healing is a choice, forgiveness is a choice. All of these things that we're talking about, these are all choices."

"It's about you and your healing. If you want to carry this, again, that's a you decision."

Contact Dr. Tonya Cannon, CEO:

Email: [email protected]

Phone: 840-336-3498 (PST)

Podcast: The HR Files

Exceptional Consulting Services – Organizational development and HR consulting by Dr. Cannon

Stagecraft Entertainment – Home of Dr. Cannon’s award-winning films

Ascension Online College – Affordable, accessible, online education for all

Chapters:

5:10 Overcoming Adversity and Redefining Success

14:32 Mindset Shifts for Achieving Personal Growth and Success

19:33 Creating Opportunities in Hollywood Against All Odds

20:35 The Power of Forgiveness and Personal Growth

29:51 Sisterhood, Podcasts, and Creating Unique Days

🧘🏽‍♀️ Tune in for an unforgettable reminder: You don’t have to wait for permission to transform your life—you just have to choose it.

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Ep. 24 When did you start shrinking yourself? When did “strong” become silent, and “selfless” mean invisible?

In this Mother's Day episode of Grace & Grind, Dr. Pamala Brown-Grinion speaks directly to the hearts of mothers who have spent years pouring into everyone else while neglecting their own shine.

💫 Dr. Pam opens up about overcoming imposter syndrome and reclaiming her space as a Totally Unique Woman—and calls you to do the same. Whether you're mothering from the crib or the classroom, the boardroom or the block, this episode is your reminder that you are the masterpiece, not the mold.

✨ This is for the mother, mentor, and magic-maker ready to:

Break free from perfectionism and people-pleasing

Reclaim the fire that’s been tucked behind duty and expectations

Walk boldly in divine identity without apology

Sis, it’s time to rise—not just for your children, but for you. The world needs your truth, your rhythm, your voice. And no, you’re not “too much.” You are totally unique, and that’s your superpower. 💥

👑 Press play, fix your crown, and let’s step back into the spotlight—on purpose.

Connect with Dr. Pam

📲 Follow Dr. Pam: @iamdrpamala

📞 Call Dr. Pamala: 585-454-9827 or Cell: 585-330-0766

Chapters:

00:00 – Welcome & Mother’s Day Tribute 👑
02:50 – From Imposter to Empowered 🔓
05:45 – No More Shrinking: Embracing Your Power ✊🏾
07:13 – 🔥 What Does It Mean to Be Totally You-Nique?
10:25 – Walking Bold in Your Divine Identity 💃🏾
14:25 – Owning “Extra” as Excellence 👠
16:48 – Your Light Still Has Power ✨
17:37 – A Love Letter to Black Mothers 💌
21:54 – For the Mother Still Healing 🕊️
24:01 – Words to Carry You Forward 🗣️
25:31 – Final Blessing: Create Your Day on Purpose 🌅

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Ep. 23 Worried about your 401k? You’re not alone. Tune in to learn how one simple shift in strategy could help you reclaim control over your financial future—without starting from scratch. Your money should work for you, not the market.

Dr. Pamala Brown-Grinion welcomes Jo Okala from Y-U Financial to unpack how innovative financial strategies—like the Smart Lock policy—can provide peace of mind and real solutions.

Together, they explore how to gain leverage, safety, and growth even when the market is unstable. Whether you're nearing retirement or just getting serious about your money, this episode will shift how you think about protecting your wealth.

✅ Smart Lock = Safety + Growth + Leverage → Flexibility

✅ Say goodbye to outdated annuities—get immediate access to your money

✅ Tax-advantaged tools can shield your money from unnecessary loss

✅ Inclusive strategy works for both savers and seasoned investors

✅ YU Financial leads with education first, not commissions

📈 "Safety plus growth plus leverage equals flexibility."

💸 "It's the continued growth on your accessed funds that makes the Smart Lock so appealing."

📘 "This is not infinite banking. What we say is, this is textbook banking."

🌐 Learn more: YUFinancialCo

📲 Follow Dr. Pam: @iamdrpamala

📞 Call Dr. Pamala: 585-454-9827 or Cell: 585-330-0766

Email: [email protected]

Chapters:

0:00 – Taking Control: Financial Education That Empowers

2:20 – What is Smart Lock? Breaking Down the Basics

3:27 – The Formula: Safety + Growth + Leverage = Freedom

7:26 – How Smart Lock Transforms Your Financial Strategy

14:11 – Instant Leverage: Why Timing Matters

16:50 – The Tax Game: Winning with Smart Policy Design

22:00 – Why Ownership Structure Matters: The Case for Mutual Carriers

26:21 – Changing the Rules: Innovation in Financial Planning

28:29 – Real Talk: Is Smart Lock Right for You?

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Ep. 22 💰 Think employee benefits are too expensive? Think again.

This #FinancialLiteracyMonth, Grace & Grind host Dr. Pamala Brown-Grinion teams up with CFO Rob Hagen to break down a game-changing strategy for small to mid-sized businesses. If you're a CEO, HR director, or purpose-driven leader, this is the financial wisdom you’ve been waiting for.

🔑 Key Takeaways:

✅ No Net Cost Benefits – Fund wellness perks using payroll tax savings.

✅ Whole Life Insurance + Wellness Coverage – Included through MassMutual and more.

✅ 94–95% Employee Enrollment – Because employees actually want these benefits.

✅ Promotes Long-Term Health – Preventative care = fewer costly health surprises.

✅ Easy to Implement – Minimal lift for HR, maximum impact for your team.

💬 “You’re going to get a healthier workforce. They’re going to feel like they’re part of a family environment.” – Rob Hagen

Resources:

Learn More about the Corporate Benefits Initiative

Connect with us!

Instagram: @iampamala

Facebook: Totally You-nique Educational Consultants, LLC 

LinkedIn: Dr. Pamala Brown-Grinion

TikTok: @TYECLLC

Totallyyou-nique – Consulting

Rob Hagen: Rob Hagen is the CFO of Crossfire IQ and Corporate Benefits Initiative, bringing extensive expertise in corporate finance and employee benefits. With a forward-thinking approach, Rob focuses on revolutionizing how companies offer benefits to employees, particularly through innovative, cost-saving programs. His

#GraceAndGrindPodcast #BlackWomenInBusiness #CorporateWellness #FinancialEmpowerment #HRLeaders #NoNetCost #EmployeeBenefits #FinancialFreedom #LeadershipWithGrace #WhatsInYourWallet

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Ep. 21 Equal Pay Day marks how far into the year women must work to earn what a white man made in the previous year. This gap means that white women must work until mid-March of the following year to earn what a white man made in the previous calendar year—while Black women must work well into the summer to catch up. Pay Equity movements highlight these disparities and calls for systemic change to ensure all women are paid fairly for their work.

On this powerful episode of Grace & Grind, Dr. Pamala Brown-Grinion sits down with Dr. Angelia Smith Wilson, Executive Director of Friends in Recovery New York, to break down the harsh realities of the pay equity gap and equip you with real strategies to advocate for the salary you deserve.

🎙️ Inside This Episode:

✅ Why Black women face the biggest wage gap—and how to fight back

✅ How to confidently negotiate your pay beyond annual reviews

✅ Dr. Smith Wilson’s “Act Up” method to demand your worth

✅ The secret to turning courage into confidence 💡

✅ The power of community and policy change in achieving pay equity

White women earn approximately $0.79 for every $1 a white man makes. While this is higher than the $0.31 that Black women earn, it still reflects a significant gender wage gap. The disparity widens further for women of color, with Latina and Indigenous women often earning even less.

🔗 Resources to Take Action:

📌 Friends in Recovery New York – Supporting individuals through advocacy & policy change

📌 Pay Equity Acts – Learn about the Modern Pay Act, Paycheck Act, and Equal Pay Act

📌 Totally “You”-nique Institute of Excellence – Elevating professional and personal development

📌 Follow Dr. Pamala Brown-Grinion on social media: @IAmPamela

💡 About Our Guest:

Dr. Angelia Smith Wilson is a leading advocate for pay equity and economic justice for Black women. With a background in policy, strategic planning, and community engagement, she’s on a mission to ensure fair wages and workplace opportunities for all. Through her leadership at Friends in Recovery New York, she’s changing lives by empowering individuals and influencing systemic reform.

Your paycheck should reflect your value.

Learn how to speak up, act up, and level up today! 🎧 Tap the link to listen.

#PayEquity #EqualPayDay #KnowYourWorth #NegotiateYourSalary #GraceAndGrind #BlackWomenAtWork #FinancialAdvocacy #WomensHistoryMonth

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Ep. 20 You don’t just wear your brand—you embody it! In this conversation with Toi Sweeney, an award-winning fashion stylist, brand strategist, and the founder of The Well Dressed Brand, we'll unpack the intersection of personal branding, emotional resilience, and faith.

💔 From navigating the unthinkable—losing a child and a parent—to rising with grace, Toi shares how she transformed grief into growth, using color, confidence, and conviction to rewrite her story.

With over two decades in the fashion industry, including years as a stylist at QVC, Toi has mastered the art of non-verbal communication and personal branding. She has worked with top television personalities, curated on-air looks for global brands, and now helps professionals craft a wardrobe that speaks before they say a word.

As a TEDx speaker, Telly Award winner, and author of Secrets of the Well Dressed Brand, she empowers individuals to control their narrative through style and strategy.

🔑 Key themes:

✨ Mastering emotional etiquette in business and life

✨ The role of personal branding in healing and reinvention

✨ Faith, forgiveness, and standing in your true power

Tune in now and learn how to shape your narrative with intention. 🎧💡

🔹 Toi Sweeney's Website: www.toisweeney.com

📲 Social: @toisweeney on all platforms

📚 Book: Secrets of the Well Dressed Brand by Toi Sweeney

🆕 NEW: Totally You-nique Emotional Etiquette Program – Elevate your self-awareness, confidence, and communication skills with Dr. Pam’s latest program on mastering emotional intelligence in personal and professional spaces.

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Ep. 19 Do you ever feel like you're carrying emotional baggage you just can’t put down? 😞 Maybe past trauma is affecting your confidence, your relationships, or even your ability to set boundaries. You’re not alone—and you don’t have to stay stuck.

Introducing Emotional Weight Loss: Cleaning Out Your Emotional Refrigerator. 🧘🏾‍♀️✨

Many of us were never taught emotional etiquette—how to process our feelings in a healthy way. In this episode, I break down ten common traumatic experiences women face and why healing is so important.

This new Emotional Etiquette course from Totally You-nique Insitute of Excellence is designed to help you release emotional weight, rediscover yourself, and move forward with confidence.

Register for the program here

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Ep. 18 From survival to success, etiquette has played a pivotal role in shaping Black identity and resilience. In this episode, Grace + Grind producer Jazzy T and etiquette coach Dr. Pamala dive into the history, impact, and evolution of etiquette within the Black community. Etiquette isn’t just about table manners—it’s a set of socially accepted behaviors that have shaped interactions, access, and upward mobility for generations.

When we think of Black history, we often reflect on the resilience, creativity, and strength of our ancestors. We celebrate the monumental achievements of leaders, activists, inventors, and cultural icons. But one essential aspect of our heritage that is often overlooked is the role of etiquette—refined social grace, manners, and cultural decorum—as both a survival tool and a means of advancement.

🔎 What You’ll Learn:

✅ The origins of etiquette in the Black community—from the brutal constraints of slavery to its unexpected role in empowerment

✅ How house slaves learned cultured behaviors that later helped break social and economic barriers

✅ The post-slavery impact of etiquette, including colorism, social stratification, and the stigma of "acting white"

✅ How Black leaders and organizations reframed etiquette as a tool for equity, empowerment, and professional success

✅ The lasting influence of etiquette on closing socioeconomic gaps, building confidence, and fostering respect in today’s society

The System Wasn't Built for Us—So How Do We Win? 🚨

What happens when the rules keep changing to hold you back? Dr. Pamala exposes the hidden attacks on Black success—from education and DEI rollbacks to economic roadblocks—and reveals how etiquette can be a revolutionary tool for upward mobility.

Connect with Dr. Pamala

00:00 - Introduction

02:15 - Etiquette as a Survival Strategy

07:30 - The Impact of Slave Codes on Behavior

12:45 - From Black Codes to Imposter Syndrome

18:20 - Social Strata Within Black Communities

23:50 - The Decline of Etiquette in Modern Society

29:15 - Reclaiming Etiquette for Empowerment

35:40 - Final Thoughts & Call to Action

#BlackEtiquette #CulturalEmpowerment #HistoryMatters #BlackExcellence #BlackHistoryMonth

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Ep. 17 For participants like Dominance Dubai, Project Butterfly became more than just an etiquette course—it was a foundation that helped her break free from toxic environments, develop confidence in her artistry, and navigate the challenges of the music industry with grace and determination.

As a teenager, Dominique participated in the program, which instilled in her a foundation of confidence, resilience, and self-discipline—qualities that would later become essential as she faced the harsh realities of the music industry and personal hardships. She shares how lessons in poise, etiquette, and self-worth gave her the strength to walk away from an abusive relationship and prepared her to present herself with grace and assurance in an industry that often demands more than just talent.

Throughout the conversation, Dr. Pamala and Dominique discuss how mentorship and personal development play a crucial role in success—not just in entertainment but in life. From handling public appearances to maintaining composure in high-stress situations, Dominique credits Project Butterfly with shaping the way she carries herself both on and off the stage.

🎤 Confidence & Presence – Dominique learned early on that presence isn’t just about showing up—it’s about commanding a room with self-assurance.

🦋 The Lasting Impact of Mentorship – Project Butterfly taught her essential life skills that she still applies today in her career and personal life.

💪 Resilience in the Music Industry – From rejection to personal struggles, Dominique’s training in self-discipline and etiquette helped her stay grounded and push forward.

✨ Self-Worth & Boundaries – The program reinforced her understanding of her worth, which later gave her the courage to leave a toxic relationship and demand respect in the music industry.

🙏 Faith & Personal Growth – Dominique attributes much of her perseverance to her spiritual foundation and continuous self-reflection.

Connect with Dominance Dubai on Instagram and TikTok

Connect with Dr. Pamala

Chapters:

0:00 Welcome Dominance Dubai

5:46 Project Butterfly at Franklin High School

9:51 Skills for Escaping Domestic Violence

11:08Confidence and Self-Expression

13:46 Overcoming Life's Challenges

17:30 Empowering Young Girls Through Project Butterfly's Impactful Program

21:03 Graceful Resilience Through Personal Development

23:47 Self-Care and Faith as Paths to Personal Fulfillment

24:40 Support for Survivors of Domestic Violence

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