financial equity

In this episode MJ Caesar explores AI's transformative impact on financial wellness in the Black community. She spotlights the potential of AI to democratize financial services but urges critical engagement to address biases and promote equity. Highlighting the need for collaboration in AI development, Marie-Jo advocates for transparency and diverse representation in tech. By empowering through education and advocating for ethical AI, she envisions a future where financial tools enhance access and empowerment, encouraging listeners to actively shape an inclusive financial landscape.

THE THREE MAIN POINTS OF THE PODCAST ARE:

1. The Role of AI in Financial Services: Marie-Jo discusses how AI technologies are transforming the financial industry by providing personalized advice, increasing the accessibility of financial resources, and democratizing the process of creating wealth. She explores how these changes impact the black community specifically.

2. Harnessing AI for Financial Wellness: This point revolves around the practical applications of AI for the black community. Marie-Jo outlines how budgeting apps, tailored investment platforms, and AI-driven financial tools can aid in improving financial wellness and lowering the barriers to traditional banking services.

3. The Future of AI and Financial Wellness: The final main point dives into the implications of AI for the future, emphasizing the need for inclusivity and equity to ensure that the benefits of AI in the financial sector reach all corners of the black community. Marie-Jo also discusses the necessity of constant vigilance regarding biases within AI systems to prevent the perpetuation of existing inequalities.

THE KEY MOMENTS IN THIS EPISODE ARE:

00:00 Black Financial Empowerment & AI's Role

03:27 AI: Demystifying & Shaping Finance

08:19 AI Empowers Financial Wellness

10:38 AI: Expanding Financial Education

14:47 Inclusive Future Through AI Empowerment

19:11 AI Democratizes Investing & Debt

25:06 Navigating AI in Finance

28:47 Consumer Choices & Equitable AI

33:20 Advocating Diversity in Tech

35:21 Building an Equitable AI Future

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This episode is inspired by a recent interview with Taraji Henson, where she openly discussed the pay disparities she's faced as a successful actress, even with her achievements and accolades.

I expanded this conversation to explore similar disparities in medicine and beyond, ultimately offering three actionable steps listeners can take to break the cycle of "underhaving"


Key Takeaways:

• Pay disparities and under-compensation are pervasive issues, but awareness and action can lead to change.
• Negotiation is a crucial skill for everyone, regardless of gender or profession.
• Advocating for others and investing in personal growth are key to breaking the cycle of underhaving.
• By working together and empowering each other, we can create a fairer and more equitable future.

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Dr. Laura welcomes guest Janine Rogan, CPA and Founder/CEO of the Wealth Building Academy, to the show to talk about financial equity and her new book “The Pink Tax”. Janine’s mission is to empower women to confidently grow their wealth through financial feminism, and her insight is invaluable not just to women but to everyone invested in financial equity.

In “The Pink Tax”, Janine writes about the impacts of the systems we’ve set up in society on certain groups of people. She uses the book to educate and inform women about the financial industry and her company, the Wealth Building Academy, also has an online investing course geared towards women. Dr. Laura and Janine address salary negotiations, how financial planners are compensated, and three personas we can take on to impact change. Finances are an aspect of well-being as they affect not only our physical state but our emotional and mental wellness too. This episode shines a light on the need for financial equity and some ways to go about achieving it.

“I think there are two key areas that I really want women to take away when it comes to their own personal finances … number one is negotiation. I think women under-negotiate. We know that every $5,000 that you negotiate in your early career years, in your early salaries, can translate to over $750,000 in wages over the course of your career. So we know negotiating is important. And it doesn't always have to just be negotiating salary. It can be negotiating time off. It can be negotiating work from home.” Janine Rogan

About Janine Rogan:

Janine Rogan, CPA, is a passionate keynote and TEDx speaker. She is the Founder and CEO of The Wealth Building Academy Inc. and an award-winning CPA. Her mission is to educate and empower women to confidently and profitably grow their wealth, through financial feminism - financial equality for all.  

Janine has been featured internationally in a number of publications and has delivered keynotes to thousands of individuals and companies around the world. She currently sits on the CPA Alberta Education Foundation board, the board of FESA, and the planning committee of the AICPA Global Women’s Leadership Summit. Janine is pursuing her Master’s in Economic Sustainability through the University of Torrens in Australia.  

 In spring 2023, Rogan released her debut book “The Pink Tax: Dismantling A Financial System Designed To Keep Women Broke” published by Page Two Books. In it, Janine explores the hidden ways that women are held back in our society—from overpriced women’s themed items to the motherhood penalty. It debuted at #1 on Amazon for Feminist Theory books.  

Janine is a University of Alberta alumni, born and raised in Edmonton, Canada. She is currently based out of Calgary where she lives with her husband Andrew, son Theodore, and pup Lazer. 

Resources:

Website: TheWealthBuildingAcademy.com

Website: JanineRogan.com

“The Pink Tax: Dismantling A Financial System Designed To Keep Women Broke” by Janine Rogan

Pink Tax Podcast

Janine Rogan on LinkedIn

“Say Less, Get More” by Fotini Iconomopoulos

Website: The Trauma of Money

“Cultish” by Amanda Montell

“Wordslut” by Amanda Montell

Goal Digger Podcast by Jenna Kutcher

Online Marketing Made Easy Podcast by Amy Porterfield

Learn more about Dr. Laura on her website: https://drlaura.live

For more resources, look into Dr. Laura’s organizations: 

Canada Career Counselling

Synthesis Psychology

We are back with another heavy hitter from our ESG series with Certified Financial Planner Marie Thomasson, where we discuss the concept of Community Development Investment Funds (CDFIs) as a responsible way to save money. The unique benefits of CDFIs is that they are specialty credit unions closely tied to specific communities and demographics. These institutions offer loans and banking services to populations that often face financial challenges, such as low-income individuals and marginalized groups. We share our personal stories on how CDFIs work and why they are crucial in addressing systemic financial disparities. By choosing CDFIs, you can ensure your money directly supports your communities while avoiding predatory lending practices.

About Our Guest:
Marie Thomasson, CFP® is a financial advisor for progressive women. Marie started her journey with a prestigious internship in asset management after studying Applied Mathematics at UCLA. It turned into 13 long years, overseeing over six billion dollars in bonds for pension funds, institutions, and banks. The experience left her with a deep skillset, and a deeper longing to be free of an industry saturated in privilege, misogyny, and self-interest.
https://modernassetsla.com/

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On this week's episode we have Ashley Feinstein Gerstley, trusted money expert and author of Financial Adulting. This finance episode is all about financial equity, what it means, and how it affects us and our past, current, and future money experiences.

Ashley Feinstein Gerstley is the author of Financial Adulting, a guide that breaks down everything you need to be a financially confident and conscious adult. She is also a money coach, author of The 30-Day Money Cleanse, and the Founder of the Fiscal Femme, a money platform on a mission to end inequality through financial well-being.

As a trusted money expert, she has appeared on or been quoted in The Financial Times, the TODAY Show, CNBC, Forbes, NBC, Glamour and the The New York Times. 

Ashley has worked in the financial services industry for over fifteen years: first as an investment banker, then in corporate finance, and most recently running The Fiscal Femme. She graduated with a bachelor's in finance from the Wharton School at the University of Pennsylvania.

Ashley's Instagram: @thefiscalfemme
Ashley's Book: Financial Adulting

Brianna's Instagram: @mombossinaustin
Podcast Instagram: @badassbasicbitch

The world has cryptocurrency on the brain. And with new coins being released, seemingly, every day, and mammoth losses and gains occurring among the most popular cryptocurrencies, it’s no wonder why. And where some see danger in those troughs and peaks, others see opportunity - opportunity not just in the financial gains to be had, but in the blockchain technology behind these digital currencies. Indeed, crypto and blockchain might not just have the potential to diversify investors’ asset portfolios, they might actually be poised to completely evolve our financial ecosystem.

In this episode, we’ll be joined by John Avery, senior strategy director at FIS; Patrick Sells, CIO at NYDIG; and Richard Walker, principal at Deloitte. We’ll explore what has caused the surge in popularity of cryptocurrency and blockchain technology, and we’ll discuss what the long-term impacts of these could be. We’ll also look at the potential implications of more widely adopting a decentralized finance model and examine whether crypto and blockchain could herald the demise of cash.

We’ll also ask:

• How are financial institutions and the capital markets reacting to crypto and blockchain?
• What are the drawbacks of a centralized financial system?
• How are different generations adopting cryptocurrency?
• Why are everyday savers, as well as high-net-worth investors, attracted to crypto?
• Could the world be moving away from fiat money do de-fi?

Victoria Thompson is a STEM Integration Transformation Coach and a consultant for Ignite EdTech. She has been in education for five years and began her journey teaching fifth and sixth-grade math and science in Summerville, SC. After completing her master's degree in curriculum and instruction she moved to the Seattle, WA area in 2018, where her career has pivoted to focusing on STEM integration in schools, K-12 mathematics instruction with research on decolonizing mathematics curriculum for teachers and learners, creating inclusive math environments, and using technology to bridge equity gaps in math education.