Well, it’s over now! Amber and Erika have officially said, “Farewell” to Season 10. What was supposed to be a single episode featuring John Hope Bryant turned into a rundown of financial literacy’s “greatest hits”, which we spent the season debunking one at a time. In this final episode, we recap the season and highlight our motivation behind this strategy and what we hope you learned. As always, we can’t wait to come back and talk about all the “ish”! It’s over now, but we’ll be back soon!

On this payday, Amber and Erika explore the impact of generational poverty on Black communities and the systemic barriers to wealth accumulation. Joined by Taylor Darks, a PhD candidate at Florida State University, who studies reparations policies, we lay out the evidence that poverty is more than a mindset. Dr. Darks highlights the Evanston, Illinois reparations program, which provides $25,000 for homeownership or repairs, and the controversy surrounding cash payments. The discussion also touches on the broader implications of reparations, the role of black women in the movement, and the challenges posed by the current political climate. The hosts acknowledge the benefits of financial literacy while demonstrating that it is not enough to overcome the hurdles of generations of systemic racism. Tune in to get the scoop!

Receipts/Homework:

HR 40 Information: What is HR 40?

On the first payday of Black History Month 2025, Amber and Erika find themselves yet again debunking John Hope Bryant’s foolish, false assertion that “racism is a barrier that Black people can get over.” The second Trump presidency has people questioning that contention, but this episode demonstrates that racism has been entrenched in every aspect of American life - politically, economically, socially, and culturally - since its inception. Through discussion of three key eras in history, we demonstrate that racism was literally designed to be insurmountably imbued into every system and institution such that it would restrain Black people in every way. We first discuss Reconstruction, and this country’s deliberate abandonment of efforts to create racial equity. Next, we look at Woodrow Wilson and the racial regress back to de jure segregation in the Progressive era as racism cemented itself as a core tenant of mainstream southern, Democratic politics. And finally, the Reagan era reveals racism’s insidious makeover to become palatable to White evangelical Christians. Resentment over desegregation was tucked into pro-life politics and repackaged as family values and concern for the unborn. This historical conversation proves that racism is present at every turn and nothing - not even financial literacy - can save Black people from its impact. Tune in to get the lesson!