Her description of the world of money is "hella male, hella pale and hella stale."
Who is she? Berna Anat is an author, podcast host, and self-titled "financial hype woman."
What's the big deal? With the release of her book, Money Out Loud. All the Financial Stuff No One Taught Us, Anat dives into these topics and more, providing an education on finance that she wishes she had when first looking into the topic.
What's she saying?
On seeing a diversity gap in the financial industry:
This is the thing I think that really compelled me to jump into the financial space. You know, I'm there in my mid-twenties with $12,000 of credit card debt, almost $50,000 of student loans. And people are like, "Oh, you're just getting into personal finance. Amazing. You should read this book. You should read this blog. You should listen to this podcast."
I'm like, great. I have all my tabs open. Every single one of those tabs, every single resource, [was] from an older white dude. I am not an older white dude. And it struck me immediately that it's not that this advice that they were giving was bad. It was all sound advice mostly, but it just was not relatable to me. A lot of what they said came from a level of privilege that I have never experienced, from a level of financial ease that I don't understand as a beginner. And that's what made me look around and go, "This doesn't make any sense because everybody is affected by money."
Want more on personal finance? Listen to Consider This on how to build your own recession toolkit.
On acknowledging systemic barriers in finance:
I wanted to come right out the gate and let folks understand that there are forces at work that have been at work way before you were born, generations back, that were set up against you, and your ancestors and the people who came before you. There are systems that were meant to keep many marginalized folks poor, unhoused, living under wages. There are so many systems at play meant to keep you "bad at money." And yet we are raised, and we see so much financial education material that is intent on making us believe that we are 100% of the problem. It's our mindset. We don't have the right budgeting apps. We never read the right tips from the right old white dude. That's just simply not true.
So, what's her advice?
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