Shameless Plug: Get Money Tips from A Few Experts

There’s a big difference between going on vacation for appearances and going on vacation to salvage your mental health. Regardless, it’s still a pricey purchase and people will have something to say about it.  Depending on your financial status, goals and setbacks what people say about your selective vacation may not be nice. That may be especially true if you are seeking feedback from a financial advisor or expert who has no understanding of your background, upbringing, or values.

According to Certified Financial Planner (CFP)  81 percent of certified financial advisors are white, while 1.8 percent of certified personal financial advisors are Black. The lack of representation in the field means you may be more likely to receive financial advice rooted in shame if your financial planner holds implicit bias and makes no attempt to understand the financial realities of being Black. It also means you might be inclined to give up on improving your financial situation when you routinely receive shame disguised as advice.

Psychological safety isn’t just a preference. It’s a necessity when it comes to improving your financial state. The mental deflation after feeling attacked for going on vacation while still paying off student loans or buying fast food without a fully funded emergency likely won’t bring you closer to money dreams.

Though white males dominate the financial space, it’s still possible to receive financial feedback from someone Black. If you feel like you’ve been led astray and vilified for doing what you need to survive look to these financial gurus for some sound advice. 

The Broke Black Girl

The Broke Black Girl, Dasha Kennedy, turned a Facebook group of the same title into a movement. She routinely meets people where they are by breaking down overwhelming goals and breaking them down into feasible money hacks. Her new book, Moving Beyond Broke, aims to make financial education relatable and digestible. 

Tiffany the Budgetnista

Tiffany Aliche, the Budgetnista is an award-winning financial educator who offers advice on getting out of debt, saving, and starting side hustles. Her most recent book, Get Good with Money, became a New York Times Bestseller.

HeyBerna

Though Berna of HeyBerna identifies as Filipino, many of her teaching principles can resonate with Black families. She frequently covers the many realities of life as a first-generation American. She tackles the cultural rituals and expectations that weigh heavily on financial decisions without shame. 

Rich & Regular

Julien & Kiersten Saunders are the married duo sharing advice about how to have those uncomfortable money conversations. The Rich & Regular podcast shares valuable insight for varying topics from the F.I.R.E. movement to supporting a spouse’s struggling business ventures. Their first book, Cashing Out, details how to find freedom in a financial system that was never meant for you to thrive.