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Work culture in the US consists of routinely long hours and nearly mimics hustle culture which prioritizes securing the bag over all else. So, it’s understandable when employees want time off from work. From countless double shifts to working in environments that are chronically short-staffed, US work culture can use an overhaul. However, there are countless memes dedicated to highlighting how difficult it can be for employees to take advantage of paid time off (PTO), regardless of whether it’s paid or unpaid or the promoted generosity of that PTO policy when a person was hired. From blackout dates to refusals because of overlapping out-of-office scheduling, there are an endless number of excuses managers give to block vacations. But these days, managers are at a disadvantage now that many people work remotely or in hybrid environments. And now, many employees are taking advantage of this newfound flexibility. While the concept isn’t exactly new, the phrase “hush vacations” is...
Do you ever feel like you’re drowning in debt, even though your bank account tells a different story? Are you constantly chasing the next promotion or a sense of financial security? If so, you might be struggling with money dysmorphia. Just as body dysmorphia warps our perception of our physical appearance, money dysmorphia can create a skewed view of your financial reality. You may get jealous when you see someone posting on Instagram about their vacation or new car. LinkedIn exists to give you the impression that your career potential is much greater. This lesser-known condition isn’t about how much money you have but rather a distorted perception of your financial reality that can lead to stress, anxiety, and unhealthy financial behaviors. Let’s delve into the world of money dysmorphia, exploring its symptoms, root causes, and, most importantly, how to break free from its grip and cultivate a healthy relationship with your finances. What Is Money Dysmorphia? Money dysmorphia or...
For decades on end, individuals from different generations have been engaged in notable conversations about the difference and nuances that exist between them. From Baby Boomers to Gen-Z, every generation has “a way” of doing things that influence the generation’s characteristics and identity. These days, people use TikTok to help spread these messages as well. Viral TikTok star, DeAndre Brown, has taken advantage of this generational phenomenon (specifically between Millennials and Generation Z) with videos meant to poke fun at generation differences in the workplace. As the self-proclaimed “corporate baddy”, Brown soon found that the two generations had more in common than their differences. Based on a report from Insider, Brown is an early 20-something working in consumer banking. He notes that he is the youngest person on his team based in Dallas, TX. It was this age difference that inspired him to join TikTok in mid-2021 to talk through his experience as a recent graduate of...
Generation Xers are emerging from the pandemic more wealthy and economically stable compared to other generations, specifically millennials. Reuters first reported this along with data collected by the U.S. Federal Reserve showing that members of Generation X saw their wealth jump more during Donald Trump’s presidential term and through the coronavirus pandemic. Generation Xers can be defined as those currently between the ages of 40 and 55; they come after the Baby Boomer generation, and right before Generation Y, also known as Millennials . Generation X hit a major turning point last year when its share of wealth, at 26.9 percent, passed its share of households which is 26.8 percent. But what does this mean? This means that Generation X’s wealth has surpassed the amount of households they account for in our population. Reuters coined Generation X as the ascendant generation because of this. When Trump took over as president in 2017, Generation Xers accounted for 34.6 million...
Free-trading app Robinhood has been under fire for over a week now after it halted purchases of GameStop stock last week. Though the creators behind the app pride themselves on making a platform for “investing for everyone,” Robinhood brings in a big community of Black millennial investors that may take their money elsewhere following recent antics. As a quick refresher, a group of young day-to-day traders called WallStreetBets caught wind of hedge fund short sellers in GameStop last month. WallStreetsBetts shared its findings on Reddit and ultimately promoted young investors in its group to invest in GameStop stock, driving the share price up by 134% at one point, CNN reports. This uptick in GameStop’s stock price costs those hedge funds up to $70 billion in losses , according to Reuters. As a response to this frenzy with GameStop, Robinhood temporarily halted purchases of GameStop stock and a list of other stock on its app last week to manage the risk of a stock market crash. As a...
Despite the widespread economic pain the pandemic has inflicted across the country, the U.S. stock market indices posted record highs lately, making many investors quite a bit richer. There are real opportunities to build wealth by investing today and you don’t have to miss out. Financial firms have made it easier than ever to invest with smartphone apps that can get you started with just a few dollars. If you’re new to investing, it’s understandable if you’re not sure which app-based investing platforms are reputable, which ones fit your investing needs, and what the investing requirements of each are. Here’s a quick guide to three of the most reputable app-based brokerage services (as reviewed by Bankrate , NerdWallet , and Forbes ) on the market today: Acorns When you sign up for this app and link a credit or debit card to it, Acorns will round up your purchases to the nearest dollar and invest your spare change, if you’d like. You can also make recurring contributions for as...
There’s a huge demand for spaces dedicated to diverse communities. People of color and Black innovators have long since grown tired of the lack of inclusion in the professional space, and many are taking matters into their own hands. When opportunity is not present, it calls for changes to be made, and in today’s landscape of young professionals, it’s very much needed. Two millennial entrepreneurs wanted to create a space for Black leaders, but instead of fighting for a seat at the table, these optimistic innovators decided to build their own. Philly natives Rashaad Lambert and Vinasia Miles had a common goal in mind when they created For(bes) the Culture, which stemmed from their shared experiences at the 2017 Forbes Under 30 Summit in Boston, MA. “There weren’t a lot of people of color in attendance, but there also weren’t a lot of things geared toward people of color,” Lambert said. “We were invited but not included.” Miles often uses the analogy “there were only a few pepper...
This piece originally published on November 6, 2018. As a child, Sheena Allen noticed that people in her community were either unbanked or underbanked. She would follow her grandmother to check cashing centers and her great-grandmother never even had a bank account. When she got older, she set out to find a technological solution to a problem affecting approximately half of Black households . Allen built CapWay, a mobile-first financial technology company focusing on building healthy financial practices for future generations. The fintech company is designed to address the financial needs of Millennials and Generation Z by delivering access to financial services to prevent negative generational cycles. AfroTech spoke to Allen about how she founded CapWay and how what she’s building will have an impact on underserved communities for generations to come. AfroTech: What is your background? Sheena Allen: I’m originally from a really small town in Mississippi. I double majored in...
It’s no secret that millennials face a more uphill battle financially than the boomers who came before them. They’re weighed down by college debt, careers that don’t put them on a pathway to paying off that debt, and a bleak job market that hasn’t been right since the Great Recession. But what can an entire generation that’s lived their lives based on the promises of America do now that those pacts are broken? We spoke to Lynnette Khalfani-Cox , a personal finance expert and author of the New York Times best selling book, Zero Debt to get some answers. Here are the biggest financial challenges she thinks millennials are facing and how they can overcome them. Student Loans: Student loan debt is one of the biggest challenges millennials face. Currently, there’s about $1.5 trillion in outstanding student loan debt nationwide. Now, we’re at a point where it’s hurting their ability to buy homes and other purchases that push the economy forward. Cox says the big problem with student...
When Damien Peters found out he was going to be a father, he began planning to take time off from his job as a product manager at Facebook. He planned to take a year off, leaving many of his colleagues in disbelief because he could afford to not work for that long. Through conversations with friends and colleagues, Peters realized that many people—particularly young Black professionals—weren’t putting their income to work and weren’t focused on building wealth. “We’re getting educated, we’re gainfully employed, but we aren’t focused on increasing our net worth and assets,” Peters said. This inspired him to launch Wealth Noir , a digital media platform aimed at helping Black millennials build generational wealth and reach financial freedom. “We want to see more Black millionaires,” Peter said. “I want to see us in the community do better. I want to see wealthy Black millennials.” The site is content driven with interviews and written pieces speaking on the importance of financial...
If you’ve grown up in the digital age , you likely have some understanding of how unreliable information spreads across the net. Millennials far and wide have been inundated with enough YouTube troll comments, Nigerian prince emails and “free iPhone” pop-ups to build a healthy skepticism of internet browsing. Now, it seems that this learning curve has become a perennial part of growing up, as Gen Z and Gen Alpha are surmising that social media apps like TikTok are rife with terrible financial advice. New studies from researchers at Intuit Credit Karma estimate that over 77 percent of Gen Z kids are looking to influencers on the short-form video app for money management, while roughly 61 percent of millennials are doing the same on YouTube and Facebook . In order to understand just how damaging these financial words of wisdom can be to a growing audience of youngsters, lets take a moment to briefly run through the data, and see exactly where young people are being led astray. After...
Editorial Note: Opinions and thoughts are the author’s own and not those of AFROTECH™. Since Mark Zuckerberg created Facebook , knowing how to code has been one of the most in-demand skills of the century. Millennials were first exposed to the world of programming via Myspace, where users could use HTML & CSS to customize their profiles to their liking. During the focus on code, there have been increasingly more companies focused on making it so anyone who wants to create an app or a website can do it without having to have studied computer science. Since the early days of the dot-com era, companies have been developing tools to make website creation accessible to those without a background in computer science. WordPress is one of the first to do this at scale—and one of the most recognizable. WordPress was founded in 2003 by Matt Mullenweg, focusing on making blogging more accessible for people who did not know how to write HTML/CSS & Javascript. As of 2024, 44% of all websites are...
For the first time in history, five generations are working side by side in the modern workplace. From Baby Boomers to Gen Z, employees bring unique values, work styles, and expectations that influence workplace dynamics. While these differences can sometimes lead to misunderstandings, businesses that embrace generational diversity can drive innovation, improve collaboration, and strengthen employee engagement. Yet, despite 83% of global executives recognizing the importance of a multigenerational workforce, only 6% have implemented unbiased recruiting processes, according to AARP. Understanding how different generations work, communicate, and respond to change allows organizations to develop a more inclusive and productive environment. Each generation has been shaped by distinct historical events and technological advancements, influencing their workplace behaviors. Traditionalists, born between 1925 and 1945, tend to be disciplined, loyal, and value hierarchical structures. Baby...
The fashion industry is a massive global market that relies on consumer demand to shape trends and production. Every purchase a consumer makes influences how fashion brands operate, from luxury houses like Dior to fast fashion retailers like SHEIN . Consumer responsibility plays a major role in the ethical, environmental and labor aspects of the fashion industry. Trends change quickly, and consumers are always looking for the next big style. Social media and celebrity culture drive these shifts, making people want to buy new clothes frequently. For fast fashion this means the priority is to create low-cost, trendy clothing at a rapid pace. Companies like Zara, H&M and Forever 21 design and produce new styles in just weeks, while SHEIN keeps a stable of designers on hand to release new looks daily. This ensures that customers always have something new to buy . However, this system comes with significant consequences. The Environmental Impact Of Fast Fashion (Fernand De...
Some claim they saw it coming, and others would say that nobody could’ve called it, but Kendrick Lamar turned the 2025 Super Bowl LIX Halftime Show into his moment — a masterclass in artistry, storytelling, and cultural dominance. The Numbers Don’t Lie How’d he do it? He dominated the moment and has the numbers to back it up. According to Yahoo! Entertainment, the 2025 Super Bowl set a new standard in viewership, with Nielsen fast national figures and Tubi/NFL first-party analytics reporting record-breaking numbers. The Philadelphia Eagles secured a decisive victory over the Kansas City Chiefs as an estimated 126 million viewers tuned in. The broadcast reached its highest point, with 137.7 million viewers, just before the halftime show featuring Lamar. According to Roc Nation and Fox Sports, it stands as the most-watched halftime show in history with 133.5 million views during the performance. The NFL highlighted this achievement by sharing the announcement on its official X...