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The Pension Wake-Up Call No One Gave You!



If you are a woman of colour living through the pressure of rising costs, shrinking disposable income and the relentless complexity of financial systems, there is a very real possibility your pension strategy is silently eroding your future.

 

This is not an abstract fear. The structural realities of retirement income affect women around the world and the evidence shows that across diverse regions, from Europe and North America to South Asia and the Caribbean, women are receiving significantly less in retirement than men, often through no fault of their own.

 


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The Wealth Shift:

Why “Getting Rich” Without Strategy Is Just Performance.



“Broke people talk. Rich people move.”


The quote sounds clever. It is also incomplete.


Everyone wants to “move” toward wealth. Social feeds are full of motion, new ventures, side hustles, brand announcements, soft launches, hard launches, rebrands. But the real question is quieter and far more uncomfortable:


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The Rise in Black Household Wealth


On the surface, a sixty percent rise in Black household wealth since 2020 looks like a headline. But the most important shifts are not loud. They are quiet turning points that change the direction of history long before anyone names them.


According to the Federal Reserve’s Survey of Consumer Finances, this surge has been fuelled by three forces:


  1. Record levels of Black business formation

  2. Increased participation in the stock market and


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Chivon
Jan 12

Why it would benefit our community if we stopped spending in businesses that refuse to reflect us back in hiring us to work with them. In 2026 separate from eating in Bougie locations, as culturally I understand it's not always possible to have us in the kitchen cooking a cultural type of food***. This 2026 I am not spending my Great British Pounds/swiping my cards in any store where I do not see a reflection of someone that looks like me. It won't be easy but I'm here to support the Black Pound going to my people this year. *** If their treatment is off the first time. I am never going back. They get one chance. It's working already. Am saving money as well as no longer being a wasteful consumer. That means my holidaying budget(s) is going to be extra generous.

Shifting Your Money Mindset

The First Step to Long Term Wealth


Money is never just money. It is stress, power, responsibility and, for many women, a silent source of pressure shaped by culture, family and lived experience.


For women in leadership, business and complex households, the emotional relationship with money can determine confidence, choices and long term stability.


This feature explores why financial success begins with mindset. It breaks down the beliefs we inherit, the fears we carry and the habits that keep many women from holding on to the wealth they work so hard to create.


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