Who Keeps Blocking Black Wealth

Last episode, Dana and Harold mapped the financial locations: Taxable City. The Partially Taxed Suburb. And Tax-Free Land. This week, they move from location to construction. What structures are holding your money? What was each one designed to do? And do your checking accounts, retirement plans, insurance policies and investment accounts work together as an intentional financial estate—or are the...

This week Dana and Harold tackle one of the most misunderstood topics in personal finance: tax buckets. Many people believe wealthy individuals simply avoid taxes altogether. The reality is often more nuanced. In this episode we discuss: • Fully taxable income • Partially taxed income • Potentially tax-free income • Traditional IRAs and 401(k)s • Roth accounts • Municipal bonds • Social Security t...

In this episode of Who Keeps Blocking Black Wealth?!, Dana and Harold tackle one of the most overlooked threats to retirement stability: long-term care. Most families assume someone will “just step in” when illness, dementia, or disability changes everything. But what happens when caregiving becomes financially, emotionally, and physically overwhelming? This episode breaks down: long-term care rea...

Most people think retirement planning is for wealthy people. That’s the myth. This week on Who Keeps Blocking Black Wealth, Dana Mitchell and Harold Tate break down why retirement planning has nothing to do with being rich — and everything to do with understanding your future before crisis forces decisions for you. Using this week’s private-credit market losses as the backdrop, the episode explore...

This week on Who Keeps Blocking Black Wealth, Dana Mitchell and Harold Tate break down one of the biggest financial misconceptions in our community: Having a retirement account is NOT the same thing as having a retirement strategy. Using this week’s tax withholding discussions as the backdrop, the episode explores: why many single filers end up owing taxes how pre-tax retirement contributions actu...

Episode 9 - Banks and Black Wealth: Uncovering Barriers opens with a sharp current‑events breakdown, connecting today’s financial headlines to the lived realities of Black communities. A scripture reflection follows, grounding the conversation in timeless wisdom before the hosts dive into the heart of the episode: how banks have historically—and still today—blocked Black wealth. From redlining to...

The system isn’t broken—it’s working exactly as designed. In Episode 8, Dana and Harold unpack wealth inequality by connecting global markets, local policy, and personal financial behavior. From oil prices and futures markets to everyday costs like gas and housing, this episode exposes how systems shape outcomes—and what responsibility looks like once you understand them. This isn’t about blame. I...

Episode 7: The Credit Score Game Most people know their credit score matters. But very few people understand what it actually measures. In this episode of Who Keeps Blocking Black Wealth, Dana and Harold break down the logic behind credit scores using a simple, relatable example: what you think about when someone asks to borrow money. Because that same thought process — trust, consistency, and ris...

Why does borrowing suddenly feel so expensive? In this episode of Who Keeps Blocking Black Wealth , Dana explains the forces that make up interest rates using a simple real-world example that reveals how lenders evaluate risk, time, and uncertainty. Understanding these basic principles helps explain why borrowing costs change and why financial systems sometimes feel unpredictable. The conversation...

The system isn’t broken—it’s working exactly as designed. In Episode 8, Dana and Harold unpack wealth inequality by connecting global markets, local policy, and personal financial behavior. From oil prices and futures markets to everyday costs like gas and housing, this episode exposes how systems shape outcomes—and what responsibility looks like once you understand them. This isn’t about blame. I...

In this episode of Who Keeps Blocking Black Wealth?, Dana and Harold confront the financial myths that quietly shape how people think about money—and the hidden barriers those myths create. This conversation separates real obstacles from assumptions that feel true but limit progress. Dana brings clarity, faith, and accountability. Harold challenges comfortable narratives and pushes for precision....

Faith is powerful — but faith without financial literacy is stress. In Episode 3 of Who Keeps Blocking Black Wealth? , Dana and Harold talk honestly about the tension between belief, preparation, and responsibility. This episode challenges the idea that prayer replaces planning and explains why financial literacy protects peace, stability, and legacy. This conversation blends faith, culture, and f...

Most of us were never taught how money actually works — and that wasn’t accidental. In Episode 2 of Who Keeps Blocking Black Wealth?, Dana and Harold talk about the silence around money in families, churches, and communities — and how that silence creates confusion, stress, and avoidable mistakes. This episode is not about blame. And it’s not about shame. It’s about understanding why the informati...

In this episode of Who Keeps Blocking Black Wealth?, Dana and Harold peel back the language, assumptions, and habits that keep people financially stuck long after the real barriers are named. This conversation isn’t about denying systems or blaming individuals. It’s about unmasking the myths that replace understanding with frustration—and faith with avoidance. Together, they talk about: Why vague...

What if the real question isn’t who is blocking Black wealth — but what we actually control? In the Pilot Episode of Who Keeps Blocking Black Wealth?, Dana (MBA, Bible-believing, and unapologetically practical) and Harold (cynical, sharp, and allergic to financial nonsense) take the conversation deeper. This episode isn’t about pretending systems don’t exist. And it’s not about blaming people eith...