Black Women Finances: Arlyne Chinyanganya - EP 123

The Black Wealth, Pay Rise & Property Ladder Guide for Black Women with Arlene Chinyanganya.Join Mr. Money Jar and Arlyne Chinyanganya founder of Roots to Fruits and a Top 50 Woman in Accounting, for a deep dive into financial wellness, with a focus on Black women. Arlene shares her personal journey, from buying her first London home at 27 to her experience getting a £20k pay rise. The conversation tackles crucial, often-overlooked topics like the Black Tax, navigating money in relationships and marriage, and the steps to securing pay raises and promotions in the workplace. We also cover essential financial planning, including debt payoff strategies, investing for women, the pension gap, and saving for children. This episode is packed with practical, actionable advice to help you build generational wealth and financial peace of mind.---TIMESTAMPS00:00 Introduction to Arlyne, Founder of Roots to Fruits02:40 The meaning behind "Roots to Fruits" and Arlene's financial wellness mission05:05 Arlene's career journey and being awarded Top 50 Women in Accounting08:35 Why financial empowerment is critical for Black women10:45 Practical tips for Black women to get a pay rise or promotion14:50 Moving jobs for the biggest pay jump16:00 Arlene's payday routine as a self-employed business owner18:15 A good payday routine for employees20:25 How women can invest more: Stocks & Shares ISAs and Index Funds23:45 Pensions and retirement planning for Black African women26:40 Arlene's journey to buying her first home at 2729:40 The controversial topic of contributing to parents' household bills ("rent")31:25 Explaining the Black Tax and how to set financial boundaries with family36:20 Money tips for couples: dating, marriage, and shared finances40:50 Credit scores explained and tips for increasing them43:05 Debt management strategies: Avalanche vs. Snowball methods46:30 Financial planning for women expecting a child (maternity leave, pensions)49:45 Saving and investing for children (Junior ISAs & Pensions)52:20 Thoughts on the UK's forthcoming Autumn Budget and supporting female founders55:30 Why so little VC funding goes to Black women founders57:25 How people approach money differently in Zimbabwe vs. the UK01:00:50 Arlene's three essential financial habits01:02:40 What Black Wealth means to Arlene: Freedom and Peace of Mind---PLEASE FOLLOWArlene Chinyanganya (Roots to Fruits)Instagram: instagram.com/rootstofrootsTikTok: instagram.com/rootstofrootsYouTube: youtube.com/rootstofrootsWebsite: rootstofroots.comMr MoneyJarInstagram: instagram.com/mrmoneyjarTikTok: tiktok.com/mrmoneyjarYouTube: youtube.com/@UCLxS2Y1NfjIMKgj_Zm2afFQ Website: mrmoneyjar.comAnd if you enjoyed this week's episode, please SUBSCRIBE