Examining Implicit Bias and the Racial Wealth Gap

Photo. Close up detail of a painting showing just a portion of the face and one eye. The skin is blue, other details are black, except for the white part of the eye.
Image by mark10852 from Pixabay.

This post about implicit bias and racism contains affiliate links. If you click on a link and make a purchase, I will receive an affiliate commission at no extra cost to you. Please read my disclosure page for more info.

When I started writing this blog, my goal was to encourage and support others in their effort to achieve a secure retirement. I wanted to share a message of hope:

Yes, there is still time to catch-up retirement savings, even after a late start.

Maybe that is possible for some, but is it true for everyone? Can you save enough for retirement if implicit bias and racism prevent you from earning an equitable wage? From purchasing a home with favorable interest rates? Or even from having access to retirement saving accounts?

Implicit bias and racism, and their impact on the racial wealth gap.

The first step toward understanding and change is awareness. There is so much to learn. I am trying not to take anything for granted. Even when we think we’re being politically correct, modern terms and labels still need to be examined.

The trending term is BIPOC, which stands for Black, Indigenous, and People of Color. It is convenient and seems inclusive to use the term BIPOC. Does using this term do anything to teach us about the separate issues faced by different groups, though?

I may use the term BIPOC in this post, but I’m trying to educate myself on the ways racism impacts Black, Latino, Asian, and Indigenous people differently.

The horrifying events happening in our country illustrate that racism has not gone away. Implicit bias and systemic racism contribute to income differences that prevent Black, Latino, and Indigenous people from breaking out of the cycle of poverty or from growing wealth at the same rate as white people.

The racial wage gap makes it harder to afford daily living costs, much less save extra money for retirement.

What is Implicit Bias?

The Kirwan Institute defines implicit bias as the attitudes or stereotypes that affect our understanding, actions, and decisions in an unconscious manner. Implicit bias impacts education, employment, healthcare, and the ability to build wealth.

Check out the Kirwan Institute’s free online video course on implicit bias.

As a social worker, I have had just enough training on implicit bias to know that people make unconscious decisions about others. We all do it. The key word here is unconscious. We are not even aware of these internal biases and how they shape our own behavior.

It does not matter what race, gender, or nationality you are. We all have implicit biases. They are the unconscious stereotypes and attitudes we hold from childhood that continue to shape our behaviors, our decisions, and our attitudes unconsciously.

Have you seen this TED Talk by Yassmin Abdel-Magied on implicit bias? It is good!

What does my headscarf mean to you? Yassmin Abdel-Magied TED Talk, from YouTube.

Implicit bias is not limited to personal behavior, though. It acts as a dangerous, invisible current flowing just under the surface of society. Moreover, implicit bias retains a strong pull that can hold a person down and threaten their very existence.

I had no idea how pervasive implicit bias has been and continues to be. Implicit bias is woven into just about every institution of our society, from something as seemingly innocuous as Kodak film to the ability to get equal access to medical treatment.    

For instance, the Ehlers-Danlos Syndrome website featured a post that highlights injustice in the medical system: How bias and a lack of access to healthcare impacts EDS patients of African descent. There is a lot to unpack in this post.

Microaggressions and support of a racist system happen even by people who do not consider themselves to be racist. Inequality remains pervasive because of inadequate medical treatment in the health care system and unfair hiring practices due to implicit bias. Unequal pay, lack of benefits, and unfair lending & banking practices have also contributed to a racial wealth gap.

The Economy and Racism

Noah Smith’s article, Racism Is the Biggest Reason the US Safety Net Is So Weak highlighted the work of Harvard professor and economist, Alberto Alesina. Professor Alesina taught that institutional racism prevents economic growth.

Alesina’s research revealed that racially divided US cities fell behind in road construction, trash collection, and educational funding. However, these are important components for stimulating economic growth. 

Additional research was conducted on racism and economics. Alesina and his team found that countries with inequality are more likely to fall into political chaos. Economic decline follows.

Is this what we must look forward to in the United States?

It Feels Like We Have Already Fallen Into Chaos and Economic Decline

I felt like the world was going to hell when I started writing this post in June. Chaos and crisis were everywhere! It’s been a difficult post to finish. 

First, the world was confronted with the deadly COVID-19 global pandemic. As a result, unemployment spiked to levels approaching those of the Great Depression.

Everyone is worried about how to protect health and make extra money. The fear of losing both health and income has been overwhelming.

Even worse, we witnessed the brutal murders of George Floyd, Breonna Taylor, and so many others at the hands of the police. Protests calling out police brutality and racism erupted in every state and across the world. Unfortunately, the death of Black people at the hands of the police is not new.

I have been shaken with feelings of horror, anger, and sadness over these killings.

I am not alone.

Photo of woman holding a sign that says Racism Is Not Patriotism.
Image by Javier Robles from Pixabay.

And yet…..

Many of us are beginning to realize we need to do the difficult work of facing our own implicit biases. It is not enough. We must educate ourselves and take active steps to become anti-racist.

Will we, as a society, be able to heal injustice from the past and present? Can we start to make real change?

Using Individual Platforms to Call Out Implicit Bias and Racism

I do not know what it is like to live under the constant shadow of institutional and overt racism. There are, however, people who have used their platforms to speak out about how it has been for them. I am learning from these stories.

Lack of knowledge and lack of understanding maintains the status quo. I’ve got news for you – the status quo is not working!

Wouldn’t it benefit the rest of us to learn more? Shouldn’t we all speak out against injustice? In other words, when we know better, we can do better.

Let me share four examples of people using their platforms to speak out against implicit bias and racism:

In the first paragraph, I’m going to tell a story from my childhood. Secondly, for all the sports fans, I want to share an opinion piece written by Kareem Abdul-Jabbar. Thirdly, I’ve included a powerful video by artist Spanky Valentine. Lastly, there’s a link to author Jessica O’Dwyer’s post about the racism her children have experienced and the fear that is ever present for their family.

*  My 6th Grade Teacher

My 6th grade teacher, Mr. G, sometimes used music to help us grasp the importance of the lesson he was teaching. I will never forget the song “Eve of Destruction” written by P. F. Sloan, which Mr. G played for us in the early 70s. Sadly, this song is almost as relevant today as it was when it was released.

The “Eve of Destruction” was a 1965 hit song sung by Barry McGuire. It was my first exposure to a protest song. The lyrics highlighted social issues of the time, including the civil rights movement, the Vietnam War, the draft, the threat of nuclear war, and more.

Eve of Destruction, written by P.F. Sloan and performed by Barry McGuire in 1965, from YouTube.
Mr. G is still teaching, even though he has retired. From his Facebook page:

“Sad times…but we’re paying a price for 401 years of suppression and oppression. That’s not to condone crimes being committed now, but the long, sad history of the treatment of Blacks in America…crimes having been committed… since the first slave ship arrived in 1619 has taken a turn. Hopefully for the better eventually. Tired of the old trope of many white folks about how their ancestors had it hard and they came over on a boat and they worked hard, and they made it. My ancestors came over on a boat too, but they weren’t chained to it. Appreciable difference. Please know your history of race in our country. It will help explain now…”

Incredulously, a few people complained about Mr. G’s comment. These are people who know him, I presume, since it was his personal Facebook page. One person pointed out to Mr. G that every nationality has been discriminated against, and mentioned the Irish, Polish, Italian, and Native Americans. This same person admonished Mr. G that we should just move forward instead of whining about things that happened 400 years ago.

Mr. G (who is white) responded:

“You have a very valid point about the Native Americans…none of the others you mentioned were chained to the boat they came on. There is not an equivalence. No denying other past discrimination, with the possible exception of Jewish people, no one has borne the brunt of oppression and suppression in America as Black people have.”

*  Kareem Abdul-Jabbar

Known for being the all-time leading scorer in the N.B.A., Kareem Abdul-Jabbar is also a recipient of the Presidential Medal of Freedom and a prolific writer.

Op-Ed: Kareem Abdul-Jabbar: Don’t understand the protests? What you’re seeing is people pushed to the edge.

Kareem Adbul-Jabbar is using his platform to explain the protests we are seeing across our country and the world. Are you having trouble understanding the protests? Then please read his piece in the Los Angeles Times – just click on the above link.

 * Spankie SWOOP Valentine

If you watch nothing else, please watch this powerful short film by Spankie Valentine. She is a talented film maker and artist. In this thought-provoking film, she explains Black anxiety and why things need to change. Her story of the way her father was perceived in his own home by police is a perfect example of implicit bias and racism.

I can’t do this anymore… created by Spankie SWOOP Valentine, from YouTube.

*  Jessica O’Dwyer

About 14 years ago, our family was set to adopt a beautiful baby boy from Guatemala. You can read our adoption story here. Ultimately, the Guatemalan court awarded custody to the baby’s grandparents. We understood the judge’s decision was in the baby’s best interest but we were still heartbroken.

Our family would be having tough conversations today if the adoption would have gone through.

Difficult talks like the ones author Jessica O’Dwyer describes having with her children, who were born in Guatemala. Jessica uses her platform to write about her family’s experience with adoption, implicit bias, and racism.

Finally, I hope you took the time to explore the links above. Each of these four people use their platform to point out the damage caused by implicit bias and racism. As a result, maybe we can gain a better understanding of the issues. The anxiety and fear felt by Black, Indigenous, and People of Color continues to be a sad reality in our country.

Why talk about implicit bias and racism on a blog about catching-up retirement savings?

The unfair practices related to medical access, housing, banking, education, and employment affecting Black, Indigenous, and People of Color contribute to the racial wealth gap.

Native Americans experience higher rates of poverty than other minority groups, according to data from the 2018 U.S. Census.

Black and Latino workers earn less than their white peers. Or to put it another way, as Financial Mechanic recently noted in her post The Magical Wealth-Building Power of White Privilegecompanies pay white people more than non-white people.

The racial wealth gap makes it harder, if not impossible, to catch up retirement savings after a late start. This is something we should be aware of if we want to work toward an equitable future for all.

Photo of small red toy house next to Scrabble game tiles that spell LESS. Implicit bias and racism contribute to the racial wealth gap, meaning there is LESS for Black, Indigenous, and People of Color.
Image by Leo Fontes from Pixabay.

Personal Finance Bloggers Need To Speak Up About Implicit Bias and Racism, Too

Abigail, who writes at I Pick Up Pennies, pointed out that personal finance bloggers have a podium and need to use it to speak out against racism. Honestly, I do not feel like I have much of a podium with my blog. However, I realized I can still add my voice to the call for justice.

Similarly, I believe it is our obligation as humans to stand up for one another and help each other. Maybe that is the reason I went into social work so many years ago. I wanted to help people.

Not Just a Blogger, I Am Also a Social Worker

My first job out of college was with the Young Women’s Christian Association (YWCA), where I worked in a domestic violence shelter. For over 150 years, the YWCA has been on the front lines of social movements. Today, the YWCA continues to work to empower women; to break the cycle of domestic violence; to stand up for civil rights; and to advocate for affordable housing, pay equity, and equal access to health care.

Above all, I learned that the organization’s most important work was the elimination of racism. It is the YWCA’s One Imperative, and it remains the primary focus woven into every program.

YWCA’s One Imperative: “To thrust our collective power towards the elimination of racism, wherever it exists, by any means necessary.”

Calling out implicit bias and racism is at the heart of the YWCA. Image of persimmon background with white lettering: "eliminating racism, empowering women ywca"
Image credit: www.ywca.org

From the Southeast Wisconsin YWCA website:

“In order to address racism, in all the places where we witness its oppressive power, we need people who understand it, can address it and challenge it. We will end racism when more people, particularly white people, understand the importance of taking action to intervene and change racialized outcomes impacting people of color in work, personal and structural settings.”

After many years in my social work career, I thought racism was on the decline. How naïve! George Floyd’s murder and the murders of so many other Black people are not rare, isolated events. My misguided belief that racism had been reduced was an illusion.

Instead, racist acts and crimes never stopped. Cell phone cameras are just documenting racism more often now.

All of this left me feeling so discouraged and depressed. However, I took comfort in the words of a coworker, who had this to say:

“The reworking and untangling of an unjust system, the same system that has hurt and helped our clients and perhaps even ourselves and loved ones, takes dedication, time and persistence to change. The first step in that process is to know when and how to speak out, and equally important, to listen to the voices of those who have been quieted way too long. These steps are the very principles that public service was built upon.”

Taking steps to confront and eliminate racism is the right thing to do. It starts with each one of us. Similarly, I am still listening and learning. Won’t you join me?

How To Find Out More About Implicit Bias, Racism, and the Racial Wealth Gap

One of the things I love about content creators in the financial independence community is the focus on personal development. This group believes in learning and growing. Many in this community have used their platforms to speak out against racism and share anti-bias resources.

Drawing on these resources and others, I have put together a list of books, blogs, and podcasts for learning more about implicit bias, racism, and the racial wealth gap. In addition, many of the highlighted links throughout this blog post lead to websites with more information.

Online links for learning about racism were prevalent after George Floyd was murdered. I wanted to share additional resources without repeating too many of the same ones. I hope you find something useful.

Books

The following book recommendations came from the Southeast Wisconsin YWCA’s site. Please note, these are affiliate links. If you click on a book title and make a purchase, I will receive a commission at no extra cost to you. Any commissions I receive through these links will be donated to the Southeast Wisconsin YWCA.

Between the World and Me by Ta-Nehisi Coates

Killing Rage: Ending Racism by Bell Hooks

Gather at the Table by Thomas DeWolf and Sharon Morgan

Nobody: Casualties of America’s War on the Vulnerable, from Ferguson to Flint and Beyond by Marc Lamont Hill

Overcoming Our Racism: The Journey to Liberation by Derald Wing Sue

Race Matters by Cornel West

Readings for Diversity and Social Justice by Maurianne Adams, Warren Blumenfeld, Carmelita Castaneda, et al.

Post Traumatic Slave Syndrome – America’s Legacy of Enduring Injury and Healing by Dr. Joy DeGruy

The End of Racism by Dinesh D’souza

Uprooting Racism: How White People Can Work for Racial Justice by Paul Kivel

The Covenant with Black America introduction by Tavis Smiley (read it here for free)

The First R: How Children Learn Race and Racism by Debra Van Ausdale and Joe Feagin

Why Are All the Black Kids Sitting Together in the Cafeteria? by Beverly Daniel Tatum

Books About Racism from Around the World

Dagney McKinney from Cultura Obscura put together a list of eye-opening books about racism from around the world. Dagney encourages us to read books in all genres by BIPOC. Here is her list: Eye-Opening Books About Racism from Around the World.

Books for Children

Dawn Davenport shared a list of children’s books in 4 Tips to Raising Anti-Racist Kids. You’ll find her post on the Creating a Family website. Dawn’s list helps parents address tough issues with children. Issues like racial diversity, racism, white privilege, protests and violence against people of color.

Photo of three childrens' hands touching over a world map. One hand is white, one is black, and one is brown.
Image by Capri23auto from Pixabay.

Blog Posts

Clever Girl Finance – The Racial Wealth Gap And How You Can Change It by Nicole. Bola Sokunbi founded the blog Clever Girl Finance, which features numerous writers.

Rich & RegularThe Racial Wealth Gap: How Did We Get Here? by Mr. Rich&Regular. Julien and Kiersten Saunders created and run this blog.

Podcasts

Code Switch is one of NPR’s top ranked podcasts – From NPR: “What’s Code Switch? It is the fearless conversations about race that you have been waiting for! Hosted by journalists of color, our podcast tackles the subject of race head-on. We explore how it impacts every part of society — from politics and pop culture to history, sports and everything in between.”

The Diversity Gap podcast – From the Diversity Gap podcast: “When it comes to diversity, good intentions are only the beginning. Join Bethaney Wilkinson as she explores the gap between good intentions and good impact as it relates to diversity, inclusion, and equity. On The Diversity Gap podcast, we will be learning from thought leaders, authors, creatives and more about the diversity gaps in society and culture. Our goal is to discover promising practices for closing diversity gaps in our everyday lives and work!”

Websites

Embrace Race – Raising kids in a world where race matters.  


National Underground Freedom Railroad Center – Stories about freedom’s heroes.


RACE – The Power of an Illusion – This is the PBS Online companion material to California Newsreel’s documentary RACE – The Power of an Illusion.


Race Forward – Uses journalism and mass media to promote discussion of racial justice.


Teaching for Change – Resources for building social justice in the classroom.

StirFry Seminars & Consulting – Creators of “The Color of Fear” and the “Last Chance for Eden” videos. Download dozens of complimentary discussion handouts about diversity from their resource page.

More Resources

Roots of African American Herbalism: Herbal Use by Enslaved Africans by Alyson Morgan. An interesting look at the connection between herbalism, cultural appropriation, and systemic racism.

Black Lives Matter: Resources – Miranda Marquit shared this list of resources and graphics on the Plutus Foundation website.

Wow, that was a lot of information! How are you feeling?

As we continue to grapple with the inequities caused by implicit bias and racism in the immediate and near future, you may need a safe space to let your feelings be heard.

For instance, seek out a trusted friend, family member, or mental health professional to talk to. If family or friends are not the right outlet, call anonymous hotlines where you can talk with someone for free.

Lastly, please share any other helpful resources you’ve found on implicit bias, racism, or the racial wealth gap. Share them in the comments below!

If You Are Here for the Money Conversation…

In conclusion, this is still a blog about money. Although it’s possible to catch-up retirement savings after a late start, it requires learning about money.

Implicit bias and racism make it much harder for people of color to build wealth. There are, however, personal finance advocates sharing what they know. All the information is available for free, on the internet.

Would you like to learn more about personal finance, getting out of debt, and saving money from Black, Latino, or Asian content creators? Then get started with the following money experts:

The Budgetnista – Tiffany is America’s favorite financial educator!

Michelle Is Money Hungry – She’ll teach you how to make money writing e-books.

Money Smart Latina – Athena has created a space where Latinas and money meet!

Millennial Revolution – Kristy will inspire you to get control of your money so you can be invincible!

Yep, these money nerds are all women.

That’s another story.

.

72 Replies to “Examining Implicit Bias and the Racial Wealth Gap”

  1. This is such a great post! As white people, we need to take a good, long, hard look at ourselves and ask what can we do to help. Racism is never ok and we need to change it! Thank you for highlighting the racial wage gap to me and proving really good research links!

  2. I don’t live in the US so we don’t use the term BIPOC, but we have a similar one, BAME, which I hate to be honest, as do a lot of us minorities. You can’t account for the multitude of differences in needs and experiences by boiling all of us down into one acronym. I don’t know about the US, but in the UK, the use of BAME is becoming problematic.

    But I totally agree that biases and racism are a huge problem, and I recall the study of identical CVs being given out with black sounding names and white sounding names, to the same business, would see the white sounding names CVs getting more interview invites

    1. Thanks for your input, Unwanted Life. I’m not familiar with the term BAME, but like all of these acronyms, it’s more important to explore the distinctly different issues facing each group rather than assuming the same issues apply to everyone.
      I remember that research about the names on resumes, too. Thanks for bringing it up.

  3. I think the more we write and talk about these issues, the more understanding we can raise. I mean, that’s obvious, but these are difficult subjects and not always popular, so thank you for this insightful and informative post.

  4. Thanks for an informative post on this important issue. I believe the only way we’ll see change is if we all become more aware of our unconscious biases and speak out about the systemic racism that exists. It impacts all aspects of life and prevents people from achieving their full potential – personally, professionally and financially. A great proof point is the disproportionate impact of COVID on BIPOC. Clearly there is so much work to be done and no easy answers.

    1. I appreciate your comments, Michelle. Yes, COVID-19 has had a worse impact on Black, Latinx, and Native American communities. The Navajo Nation, for example, has had more deaths per capita due to COVID-19 than any other state. The US has not even provided basic plumbing or electricity for many homes in the Navajo Nation. How can you protect yourself from a global pandemic when you don’t have running water in your home?

      https://www.nbcnews.com/specials/navajo-nation-fears-second-covid-19-wave/index.html

  5. This was such a useful and insightful post. This is a topic which needs to be spoken about, it can’t just be ignored. Raising awareness is a good way to help educate others, so of course, it is great that you are speaking up about it. I also appreciate you sharing those resources and links, I’ll be checking them out x

  6. I’ve just written a piece about implicit bias and anti-racism and the work around unpacking it, etc so your post was really useful and interesting. I write a lot about racial, social and environmental justice/unlearning racism so all the resources you have are amazing. Implicit bias can be really hard to spot and when I talk about it or share with others about it the responses can be very defensive especially when you are educating about how it perpetuates structural racism. It’s vital, ongoing work though. Thank you so much for sharing!

    1. Thank you for sharing the work you do, Molly! I just checked out your post and the links you provided, too. Powerful message in the photo on your post showing a protester’s sign that says “It’s a privilege to educate yourself about racism instead of experiencing it.” This is important work, I’m glad you’re doing it.

  7. This is such a hard topic to discuss but also so necessary, especially in today’s divisive climate. We all have baises built into our thoughts, choices, and actions. We can’t help it, but it’s also so important to be aware of our biases and how they impact our views of the world and the people around us.

    We do have a huge systemic racism and racial wealth gap in our country. It’s becoming more and more obvious in the face of all the events of this year.

    I totally agree that personal finance bloggers are in a unique position and therefor have a responsibility to shine a light on these systemic issues. It’s really hard work to do, and it feels very uncomfortable. You’ve done a great job of tackling such difficult subject matter here. So many resources and tons of information to work through.

    Thanks for posting this and encouraging others to explore their own biases surrounding race and culture.

    1. Thank you, Mrs. P&P! Yes, it’s uncomfortable, but necessary to address our own biases. We need to keep the education and the conversation going in order to even begin to make positive change. I hope we can do it! Thank you for reading and sharing your thoughtful comments.

  8. Thank you so much for sharing all of this information on this incredibly important topic. It is crucial for us to first acknowledge our own biases and the societal “norms” that have been instilled in us in order to move forward to living in a more inclusive and equal country. I have been educating myself as much as I can this year about the reality that many face around the world. This post is so important and one that I know will be so helpful and eye-opening for so many! Thank you again for sharing this and for using your platform to educate us on this topic!

  9. I absolutely LOVE this post. I think it’s so informative and written in a way that’s easy for anyone to understand. I think it’s so easy for people to think racism is ‘over’ because there are much fewer explicit cases, (in fact I’ve had a few people mention this to me recently) but it’s so important for everyone to acknowledge that it’s still a big problem!! I recently read the book ‘why I’m no longer talking to white people about racism’ and I thought it explained this point perfectly and would highly recommend reading it if you get the chance! Thank you so much for talking about such an important topic.

  10. This is such an informative post, I love how each aspect is broken down and I’m sure everyone can learn at least one thing from this. It’s so important to keep these conversations going if we ever want to see change x

    Sophie

  11. I think this is an interesting and highly important post! As a European, I’ve looked upon the recent events in the U.S. with indignation, but I think it’s important to realize that this is a problem that exists worldwide. The death of George Floyd has sparked protests in the whole of Europe as well and I think it’s a small step in the right direction. It’s important to know that this is an issue that transcends borders and affects everyone.

    1. Thank you for reading and sharing your thoughts, Linda! Yes, implicit bias, inequality, racism… these are issues everywhere. It’s bubbled over in the US, but hopefully we can begin to address it and make the systemic changes that are needed. I hope so!

  12. Thank you for speaking out! This is a powerful piece with so many resources. I too blog about being never too late to start taking control of your money but you are right, when you are a victim of implicit bias & racism, the system is stacked against you in the first place. There is so much we must do to correct this injustice

    1. Yes, we have a lot of work to do. Thank you Latestarterfire! I’m hopeful that positive change can still take place in society. Just as I’m hopeful it’s not too late to catch-up retirement savings after a late start. It needs to be easier for everyone, but especially for people who are at a disadvantage from the start due to systemic racism.

  13. Hi Kathy,

    I normally DON’T READ long blog posts and this was definitely one of them! But I found your sentiments on point from start to finish (including the affiliate links) As a black woman, I know, first-hand, what it is like to be discriminated against when you are the best qualified on the job but a white person with lesser qualifications gets the promotion. I know what it’s like to struggle as an entrepreneur for business that you can do with your eyes closed while whites steal your ideas as their own.

    There is so much implicit bias and it’s not limited to whites but sadly, we aren’t in any real positions of power to have our “implicit bias” make a real difference. Thank you for this post and I’ll be sure to “re-tweet” it.

    God bless!

    1. Thank you for reading and sharing your experience, Beverly! Sorry for the long post, but there was so much to say! I’m glad you stuck with it to the end & checked out some of the resources I linked to. I appreciate your feedback, thank you!

      Note to readers: Beverly has written 5 books! Click on her name above her comment to go to her website.

  14. Thank you for this post Kathy, it is such an important topic! It’s time for change. We all need to do our part as you said, by examining our biases, and speaking up! I loved the section on how people have used their personal platforms to call for change. Thank you!

    1. Appreciate your feedback, Clarissa Cabbage! I’m glad you enjoyed the examples of people who are using their platforms to speak out about implicit bias, racism, and the racial wealth gap. It’s long past time for change. Let’s make it happen!

  15. This is honestly a topic that needs to be said. The implicit and systematic racism that occurs is just unfair and keeps people down without giving them a chance to stand up.

    Also as well, personal finance is a topic that is political. Political and controversial topics like this not only affect the lives of many people, but their finances too. Finances are a part of everyone’s life.

  16. It is so sad to see what is happening in our country. At the same time, I am glad that people are now speaking up about some of the inequalities we face. I keep hearing that the system wasn’t made for specific people, but I have seen others who have made it in their lives. It is great to see people using their platforms to speak out. The work that you do is amazing. Thank you for sharing all of these resources.

    Nancy ✨ exquisitely.me

  17. Very informative post! I especially appreciated the effort you put in to insert that selection of books, blogs, websites at the end, few people bother to share extra reading material, so thank you!

  18. Thank you for sharing this. Has definitely made me think about my understanding. Racism is never ok so I definitely think it is something we should talk and express about more.

  19. There’s a lot of information to unpack in this post that definitely takes more than one read. It’s really helpful that you are sharing lots of people’s perspectives and experiences on racism.

    Georgia

  20. Thank you for sharing this post! I think it’s so important to talk about these issues more. Really insightful and interesting to read – and well-researched x

  21. Thank you for raising awareness to such an important topic. I learned a lot for me and I will definitely reference this article again in future.

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