Who Keeps Blocking Black Wealth? is a conversation at the intersection of faith, financial literacy, and responsibility.
Hosted by Dana—an MBA, Bible-believing truth-teller—and Harold—a sharp, skeptical voice who doesn’t let excuses slide—the show challenges popular narratives about money while naming real systems and personal agency.
This podcast isn’t about get-rich-quick schemes or motivational hype. It’s about understanding how money actually works, why so many of us were never taught, and what we can still control today. Each episode blends cultural insight, practical wisdom, and honest dialogue to help listeners move from confusion to clarity.
If you’ve ever heard “they don’t want us to have money” and wondered what to do next, this show is for you.
New episodes explore habits, faith, responsibility, and legacy—without guilt, without shame, and without pretending money doesn’t matter.
Episode 14: The Structures — What Holds Your Financial Estate
Last episode, Dana and Harold mapped the financial locations:
Taxable City.
The Partially Taxed Suburb.
And Tax-Free Land.
This week, they move from location to construction.
What structures are holding your money?
What was each one designed to do?
And do your checking accounts, retirement plans, insurance policies and investment accounts work together as an intentional financial estate—or are they simply scattered property with no blueprint?
In Part 4 of the WKBBW Retirement Planning Series, Dana and Harold examine:
• The government parking structure: Social Security and Medicare • Employer-sponsored structures, including pensions, 401(k)s, 403(b)s, 457 plans and deferred compensation • The Rainy Day garage • Traditional, Roth, SEP and SIMPLE IRA garages • The non-qualified garage • Risk-management structures, including HSAs, life insurance, disability insurance and long-term care coverage • Brokerage accounts as custodial and recordkeeping additions • SIPC protection and what it does—and does not—cover • Why having several accounts does not automatically mean you have a retirement plan
The central lesson:
Financial clutter is not the same thing as financial architecture.
Every structure should have a purpose, every account should support the broader estate, and every piece should help fund the retirement life you say you want.
And yes—Harold is still looking for gas money.
31 May 2026
Episode 13: Tax Buckets — Same Money, Different Rules
This week Dana and Harold tackle one of the most misunderstood topics in personal finance: tax buckets.
Many people believe wealthy individuals simply avoid taxes altogether. The reality is often more nuanced.
In this episode we discuss:
• Fully taxable income
• Partially taxed income
• Potentially tax-free income
• Traditional IRAs and 401(k)s
• Roth accounts
• Municipal bonds
• Social Security taxation
• Required Minimum Distributions (RMDs)
• SEPP strategies
• Why structure matters as much as growth
We also explore what scripture says about taxation, governance, and adapting to systems that have existed since biblical times.
The takeaway?
Nobody avoids taxes altogether.
But understanding how different types of money are treated can help you make better decisions today and create more flexibility for tomorrow.
Because future you is counting on present you.
And present Harold still needs gas money.
24 May 2026
Who Gon Take Care of You?
In this episode of Who Keeps Blocking Black Wealth?!, Dana and Harold tackle one of the most overlooked threats to retirement stability: long-term care.
Most families assume someone will “just step in” when illness, dementia, or disability changes everything. But what happens when caregiving becomes financially, emotionally, and physically overwhelming?
This episode breaks down:
long-term care realities
caregiver burnout
morbidity vs mortality
insurance and risk management
Medicaid and healthcare systems
preserving dignity in retirement
how one health crisis can financially impact an entire family
Dana also shares deeply personal experiences involving Parkinson’s, vascular dementia, family caregiving, facility care, and the painful realities many families quietly face.
Because retirement planning is not just about building wealth.
It’s about protecting your family from preventable chaos later.
18 May 2026
Retirement Ain’t What You Think
Most people think retirement planning is for wealthy people.
That’s the myth.
This week on Who Keeps Blocking Black Wealth, Dana Mitchell and Harold Tate break down why retirement planning has nothing to do with being rich — and everything to do with understanding your future before crisis forces decisions for you.
Using this week’s private-credit market losses as the backdrop, the episode explores how financial instability eventually impacts everyday communities, especially those already struggling with access to capital, retirement planning, and generational wealth building.
Topics include:
Why retirement planning starts with vision, not money
How survival mode keeps people from preparing
The hidden danger of “I’ll figure it out later”
Defining retirement before building strategy
Why financial systems affect everyone — even when they seem irrelevant
Because retirement planning is not just about money.
It’s about dignity.
11 May 2026
YOU FILED YOUR TAXES, NOW WHAT?
This week on Who Keeps Blocking Black Wealth, Dana Mitchell and Harold Tate break down one of the biggest financial misconceptions in our community:
Having a retirement account is NOT the same thing as having a retirement strategy.
Using this week’s tax withholding discussions as the backdrop, the episode explores:
why many single filers end up owing taxes
how pre-tax retirement contributions actually work
10 Apr 2026
The Bank Ain't Your Friend
Episode 9 - Banks and Black Wealth: Uncovering Barriers opens with a sharp current‑events breakdown, connecting today’s financial headlines to the lived realities of Black communities. A scripture reflection follows, grounding the conversation in timeless wisdom before the hosts dive into the heart of the episode: how banks have historically—and still today—blocked Black wealth.
From redlining to modern overdraft traps, unequal lending standards, and real stories from the community, this episode exposes the systemic barriers that keep Black families from building generational wealth. The hosts unpack why distrust of banks runs so deep, how these patterns persist, and what collective action can look like—from supporting Black‑owned banks to demanding transparency and accountability.
A powerful blend of history, faith, and real‑world insight for listeners seeking clarity, empowerment, and a path forward.
29 Mar 2026
The System Wasn't Built For You
The system isn’t broken—it’s working exactly as designed.
In Episode 8, Dana and Harold unpack wealth inequality by connecting global markets, local policy, and personal financial behavior.
From oil prices and futures markets to everyday costs like gas and housing, this episode exposes how systems shape outcomes—and what responsibility looks like once you understand them.
This isn’t about blame.
It’s about awareness… and action.
Code: WKBBW
Strong Coffee Company
Cozy Earth
22 Mar 2026
THE CREDIT SCORE GAME
Episode 7: The Credit Score Game
Most people know their credit score matters.
But very few people understand what it actually measures.
In this episode of Who Keeps Blocking Black Wealth, Dana and Harold break down the logic behind credit scores using a simple, relatable example: what you think about when someone asks to borrow money.
Because that same thought process — trust, consistency, and risk — is what the financial system tries to measure at scale.
The conversation explores:
what a credit score really represents
how behavior turns into a number
why the system can feel confusing or unfair
and why understanding it changes how you move
The episode also connects these ideas to a deeper principle found in scripture:
“My people are destroyed for lack of knowledge.” — Hosea 4:6
This show exists to shine light on financial knowledge our community has often believed was hidden — so we can understand it and use it to our advantage.:
14 Mar 2026
The Interest Rate Trap | Why Borrowing Feels So Expensive
Why does borrowing suddenly feel so expensive?
In this episode of Who Keeps Blocking Black Wealth, Dana explains the forces that make up interest rates using a simple real-world example that reveals how lenders evaluate risk, time, and uncertainty.
Understanding these basic principles helps explain why borrowing costs change and why financial systems sometimes feel unpredictable.
The conversation also reflects on a deeper truth found in scripture:
“My people are destroyed for lack of knowledge.” — Hosea 4:6
This podcast exists to shine light on financial knowledge many people believe has been hidden from them, so that knowledge can be understood and used wisely.
6 Mar 2026
Why Everything Suddenly Feels So Expensive
The system isn’t broken—it’s working exactly as designed.
In Episode 8, Dana and Harold unpack wealth inequality by connecting global markets, local policy, and personal financial behavior.
From oil prices and futures markets to everyday costs like gas and housing, this episode exposes how systems shape outcomes—and what responsibility looks like once you understand them.
This isn’t about blame.
It’s about awareness… and action.
Promo Code: WKBBW
27 Feb 2026
Breaking Financial Myths: The Hidden Barriers We Face
In this episode of Who Keeps Blocking Black Wealth?, Dana and Harold confront the financial myths that quietly shape how people think about money—and the hidden barriers those myths create.
This conversation separates real obstacles from assumptions that feel true but limit progress. Dana brings clarity, faith, and accountability. Harold challenges comfortable narratives and pushes for precision.
Together, they explore:
How financial myths take root and spread
Why vague explanations feel safe but stall growth
The difference between naming barriers and understanding them
How belief, habit, and responsibility intersect
Why clarity is more empowering than blame
This episode isn’t about denying reality or oversimplifying the struggle. It’s about seeing money more clearly so frustration doesn’t replace forward movement.
If you’re ready to question what you’ve been told—and focus on what actually changes outcomes—this episode sets the record straight.
20 Feb 2026
Faith Without Financial Literacy Is Stress
Faith is powerful — but faith without financial literacy is stress.
In Episode 3 of Who Keeps Blocking Black Wealth?, Dana and Harold talk honestly about the tension between belief, preparation, and responsibility. This episode challenges the idea that prayer replaces planning and explains why financial literacy protects peace, stability, and legacy.
This conversation blends faith, culture, and financial clarity — without guilt, hype, or pretending money doesn’t matter.
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13 Feb 2026
Why Nobody Taught Us This
Most of us were never taught how money actually works — and that wasn’t accidental.
In Episode 2 of Who Keeps Blocking Black Wealth?, Dana and Harold talk about the silence around money in families, churches, and communities — and how that silence creates confusion, stress, and avoidable mistakes.
This episode is not about blame.
And it’s not about shame.
It’s about understanding why the information gap exists — and what to do once you see it.
In this conversation, we cover:
Why money was rarely explained, even by people who loved us
How silence keeps people financially stuck
The difference between faith and avoidance
Why learning later in life is still powerful
How responsibility restores confidence
This show blends faith, financial literacy, and real conversation — without guilt, without hype, and without pretending money doesn’t matter.
🎧 If you’ve ever said “I just wasn’t taught this,” this episode is for you.
👍 Like, subscribe, and share this with someone who needs receipts.
6 Feb 2026
Unmasking Wealth: Breaking Free from Financial Myths
In this episode of Who Keeps Blocking Black Wealth?, Dana and Harold peel back the language, assumptions, and habits that keep people financially stuck long after the real barriers are named.
This conversation isn’t about denying systems or blaming individuals. It’s about unmasking the myths that replace understanding with frustration—and faith with avoidance.
Together, they talk about:
Why vague explanations feel comforting but change nothing
How myths about money quietly block growth
The difference between belief and preparation
Why clarity is more powerful than outrage
How financial literacy protects peace, not just income
This episode challenges listeners to move past slogans and into understanding—without guilt, shame, or pretending money doesn’t matter.
If you’re ready to stop reacting and start seeing money clearly, this episode is for you.
30 Jan 2026
Pilot - Who is They
What if the real question isn’t who is blocking Black wealth — but what we actually control?
In the Pilot Episode of Who Keeps Blocking Black Wealth?, Dana (MBA, Bible-believing, and unapologetically practical) and Harold (cynical, sharp, and allergic to financial nonsense) take the conversation deeper.
This episode isn’t about pretending systems don’t exist.
And it’s not about blaming people either.
It’s about power.
Together, we talk about:
What’s truly within our control when it comes to money
Why comfort keeps people stuck
How faith and responsibility work together
The difference between spiritual confidence and financial preparation
Why habits — not demons — block more wealth than we admit
This show blends faith, financial literacy, and real conversation — without guilt, without get-rich-quick talk, and without pretending life is fair.
🎧 If you’ve ever heard “they don’t want us to have money” and wondered what to do next, this episode is for you.
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📌 New episodes coming soon.
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