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Over the last ten years, conversations about Black wealth have grown louder—but wealth gaps remain stubbornly wide. The reason isn’t effort. It’s access, structure, and policy. Income Is Not the Same as Wealth Many Black households increased income over the last decade, yet wealth accumulation lagged. Why? Rising housing costs Student loan debt Limited access to capital Fewer inherited assets Wealth isn’t what you earn—it’s what you own, protect, and pass forward . The Shift

The Child Tax Credit (CTC) wasn’t always what it is today. Over the last three decades, it has quietly evolved into one of the most powerful tools for supporting working families—especially middle- and lower-income households. A Credit That Keeps Changing Since its introduction in the late 1990s, the Child Tax Credit has: Increased in dollar value Shifted between refundable and non-refundable Been temporarily expanded during economic crises These changes directly affect how m

Most barbers and hairstylists don’t think about retirement—not because they don’t care, but because no one ever showed them how retirement actually works for self-employed professionals. When you’re paid in cash, tips, or daily services, it’s easy to focus on today’s income instead of tomorrow’s security. But the truth is this: retirement isn’t about age—it’s about structure. The Hidden Risk of Staying “Unstructured” Many barbers and hairstylists operate without: A formal bus