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Black America Web
5 days ago
- Business
- Black America Web
The Retirement Gap: Why Saving For The Future Is Harder For Black Americans
Source: AndreyPopov / Getty Despite rising incomes, many Black Americans continue to face major hurdles when it comes to saving for retirement, according to the 2025 Retirement Confidence Survey by the Employee Benefit Research Institute. The survey, which included an oversample of Black workers and retirees, revealed that the racial wealth gap persists across income levels. Among households earning $75,000 or more, just 33% of Black respondents reported having at least $250,000 in savings and investments, compared to 63% of non-Black respondents. Debt is a key factor: 63% of higher-income Black households said debt was a problem, versus 45% of non-Black households at similar income levels. Nearly half of those Black respondents said debt directly impacted their ability to save or retire comfortably. Debt remains a major barrier to wealth building for Black people. For example, Black student loan borrowers are disproportionately burdened by debt, with undergraduate Black borrowers paying an average of $386 per month, according to a 2024 report by the Education Data Initiative. Housing costs further compound this disparity. A 2022 report from Housing Matters found that, on average, Black homeowners pay an additional $13,464 over the life of a mortgage. This extra cost translates to approximately $67,320 in lost retirement savings for Black households, further widening the racial wealth gap. While many Black Americans feel confident managing daily expenses, fewer feel equipped to invest or plan for the long term. Among higher earners, only 77% of Black respondents reported saving for retirement, compared to 87% of non-Black counterparts. Retirement itself looks different, too. Around 44% of Black retirees said they left the workforce earlier than planned due to health issues or disability, compared to 32% of non-Black retirees. Many also returned to work for financial reasons and were more likely to say their retirement lifestyle fell short of expectations. Access to professional financial advice remains limited among the Black community. The study found that only 31% of Black respondents currently work with a financial advisor, although nearly half said they plan to in the future. Those who do seek help often prioritize managing debt, creating wills or estate plans, and securing life insurance over traditional retirement planning. While the data is alarming, researchers behind the eye-opening study said there are ways that the financial system can help Black individuals boost their retirement savings. These include providing greater assistance in managing competing financial priorities, such as reducing debt, supporting family members, and building long-term financial security. But Black folks don't have to wait on banks or institutions to take the first step. There are countless resources available to begin the journey toward generational wealth. It starts with prioritizing financial education, learning the fundamentals of budgeting, saving, and investing, while also exploring deeper topics like credit management, compound interest, and asset allocation. Black people can tap into a wide range of tools, including online courses, books, podcasts, and community workshops tailored to financial literacy. Connecting with financial professionals and attending local seminars can also offer practical guidance. By creating a culture of financial learning at home, Black individuals and families can not only strengthen their financial knowledge but also equip the next generation with the tools to start investing early and develop healthy money habits that last a lifetime. SEE MORE: Catalyzing Wealth-Building In The Black Community The Racial Wealth Gap And Solutions To Address It SEE ALSO The Retirement Gap: Why Saving For The Future Is Harder For Black Americans was originally published on
New York Post
02-07-2025
- General
- New York Post
Restaurant servers ‘hate' this common customer habit — and it's something most people are guilty of doing
Excuse me! Servers everywhere agree that this one common dining habit is more disruptive than diners realize. Calling your server over multiple times on separate occasions for things such as extra napkins, a lemon wedge, more dressing or another spoon seems innocent but in reality, it pisses off servers. 3 Waving your server over to the table to ask for one more thing multiple times can drive them crazy. estradaanton – It even has a name: one-timing. While each request is reasonable on its own, one-timing can significantly disrupt a server's flow and add stress to an already busy shift. 'This habit does bother me, especially when I was first starting out as a server and was relatively inexperienced, because it really slows everything down,' says Stephanie S., a server at a chain restaurant in Utah, told Reader's Digest. 'I felt like people were being too needy, and it stressed me out.' During slower hours, servers might not mind the extra trips. But making them run in circles during a dinner rush will likely upset them. 3 Nothing is worse for a server than having their workflow disrupted during a busy shift. Andrey Popov – 'I'll admit, it kind of makes me hate people if they do this at peak dinner rush,' Sarah S., a server at an Asian-fusion restaurant in Florida, told the outlet. 'When we're slammed, it turns into a logistical nightmare, but when we're not busy it's not a big deal and I don't mind as much.' However, April O., a server at a chain restaurant in Texas, said that this isn't just the diner's fault. She claimed this happens because 'customers forget to ask for everything they need and the server fails to anticipate their needs.' 3 Servers want customers to anticipate their needs so they can ask for everything all at once. estradaanton – 'If both server and patron are doing their parts, there shouldn't be any 'one-timing.'' 'To reduce these kinds of guest requests, I always try to anticipate needs — especially for big parties or families with little kids, who are the most likely to one-time me to death,' Valerie P., a server at a family restaurant in Washington, explained. To avoid being this type of customer, servers want customers to think ahead and check their needs—extra utensils, condiments, drinks — and ask for them all at once. And if people are dining with a large group — the table should ask each other if they need anything before the server comes by to check in.
New York Post
18-06-2025
- Health
- New York Post
US senior citizens are increasingly dying from this mishap
Older U.S. adults are increasingly dying from unintentional falls, according to a new federal report published Wednesday, with white people accounting for the vast majority of the deaths. From 2003 to 2023, death rates from falls rose more than 70% for adults ages 65 to 74, the report from the U.S. Centers for Disease Control and Prevention said. The rate increased more than 75% for people 75 to 84, and more than doubled for seniors 85 and older. 4 From 2003 to 2023, death rates from falls rose more than 70% for adults ages 65 to 74. LIGHTFIELD STUDIOS – 'Falls continue to be a public health problem worth paying attention to,' said Geoffrey Hoffman, a University of Michigan researcher who was not involved in the new report. 'It's curious that these rates keep rising.' The CDC researchers did not try to answer why death rates from falls are increasing. But experts say there may be a few reasons, like gradually improving our understanding of the the role falls play in deaths and more people living longer — to ages when falls are more likely to have deadly consequences. More than 41,000 retirement-age Americans died of falls in 2023, the most recent year for which final statistics based on death certificates are available. That suggests that falls were blamed in about 1 of every 56 deaths in older Americans that year. 4 More than 41,000 retirement-age Americans died of falls in 2023. amazing studio – More than half of those 41,000 deaths were people 85 and older, the CDC found, and white people accounted for 87% of deaths in the oldest category. Falls can cause head injuries or broken bones that can lead to permanent disability and trigger a cascade of other health problems. A number of factors can contribute to falls, including changes in hearing and vision and medications that can cause light-headedness. 4 More than half of those 41,000 deaths were people 85 and older, the CDC found, and white people accounted for 87% of deaths in the oldest category. Andrey Popov – Death rates varied widely from state to state. In 2023, Wisconsin had the highest death rates from falls, followed by Minnesota, Maine, Oklahoma and Vermont. Wisconsin's rate was more than five times higher than the rate of the lowest state, Alabama. Ice and wintry weather may partly explain why fatal falls were more common in states in the upper Midwest and New England, but experts also pointed to other things at play, like differences in how well falls are reported and to what extent they are labeled a cause of death. 'We've yet to unravel why you see such differences in state rates,' said Hoffman, who studies falls among the elderly. 4 In 2023, Wisconsin had the highest death rates from falls, followed by Minnesota, Maine, Oklahoma and Vermont. toa555 – Researchers also can't yet explain why white seniors die of falls at higher rates than people in other racial and ethnic groups. In the 85-and-up age group, the death rate for white Americans is two or three times higher than any other group, while older Black people had the lowest fall-related death rate. 'Kind of a flip of the traditional disparity lens,' Hoffman said, referring to the fact that for most other rates of illness and injury, people of color are disproportionately affected. Staying active can help people avoid falls, experts say.
Newsweek
16-06-2025
- Entertainment
- Newsweek
Man Orders Pizza, Throws Away Leftovers—Horror at What Roommate Does Next
Based on facts, either observed and verified firsthand by the reporter, or reported and verified from knowledgeable sources. Newsweek AI is in beta. Translations may contain inaccuracies—please refer to the original content. The internet is captivated after a Reddit user shared a hilariously awkward moment involving leftover pizza, a trash can, and a new roommate. Redditor u/FlounderIll1896 posted their mortifying tale on the platform, and it quickly gained traction in the subreddit "confession" with 35,000 upvotes. The post has since been deleted. "My roommate caught me doing something weird and it got even weirder and now I probably have to move away, change my identity and start a new life," they wrote. According to the original poster (OP), a few days ago their new roommate ordered pizza, ate most of it, and then casually tossed the remaining slices in the trash before heading to his room. A stock image of leftover pizza in the trash. A stock image of leftover pizza in the trash. AndreyPopov/iStock / Getty Images Plus The poster, who was struggling financially after a recent move, admitted they couldn't understand why someone would discard perfectly good pizza. Without overthinking it, they retrieved the box from the bin, checked the two remaining slices, and ate them quickly. What they didn't realize was that their roommate had quietly returned. The poster was mid-bite when they noticed him standing there, watching in stunned silence. In a panic, they swallowed and blurted out, "are you okay?"—a moment they now deeply regret. They said the roommate looked confused, nodded, and immediately retreated back to his room. Feeling the moment was already beyond salvageable, they finished the second slice. Since then, the roommate has been avoiding them. Expert Insight Nick Leighton, etiquette expert and co-host of Were You Raised By Wolves?, weighed in on the situation. "If you're going to eat trash pizza, at least put it on a plate! Linen napkin optional. (I say that as a joke!)" he told Newsweek. But on a more serious note, Leighton explained that in etiquette, it's often not the act itself but how it's handled afterward that matters most. He suggested the best way forward is through open communication: a direct but polite conversation to address what happened and create mutual boundaries moving forward. "Perhaps one roommate can agree to offer unwanted pizza to the other before tossing it. And perhaps the other roommate can agree that once something goes in the trash, it's now off-limits for retrieval," he said. Pretending nothing happened, he added, is unlikely to warm things up again. Reddit Reacts The Reddit community had a field day with the story, particularly OP's choice of words in the moment. "'Are you okay' through a mouthful of trash pizza is so f**** funny,"** said one user. "It is right up there with 'May I help you'?" added another. "It does set up a 'I hate food wastage' conversation. Would look better than immediate trash diver (don't get me wrong, hunger is hunger)," observed a third. "I was literally thinking the same thing. This post makes me crack up every time I even think about it. I've tried telling it to other people before and I can hardly even get through it," wrote another user. Newsweek reached out to u/FlounderIll1896 for comment via Reddit. We could not verify the details of the case. Newsweek's "What Should I Do?" offers expert advice to readers. If you have a personal dilemma, let us know via life@ We can ask experts for advice on relationships, family, friends, money and work and your story could be featured on WSID at Newsweek.
New York Post
09-06-2025
- Health
- New York Post
Do you have an ‘office chair butt'? Here's what workers who ‘refuse to fall victim' are doing about it
What's droopy, floppy and sagging around the office? No, it's not your crabby boss — it's your flabby butt. Sitting on one's backside for hours on end, slouched in a seat while staring at a computer screen, is flattening once-rounded heinies. 'I refuse to fall victim,' swore Krystina, a NYC-based content creator, warding off the wicked woes of 'office chair butt.' Advertisement 4 Folks online are worried about contracting the dreaded 'office chair butt' while on their jobs. Andrey Popov – Despite its social media-given nickname, the aforementioned curse is a legitimate plague on patooties — more formally known as atrophy of the gluteal muscle group — caused by chronic sitting, according to the Cleveland Clinic. And yes, it's as bad for your booty as it sounds. Advertisement 'A lack of conditioning in your gluteus maximus and surrounding tissue leads to weakness, making it build up fat tissue and appear flatter or saggy,' explained Michael Milicia, an occupational therapist, in a recent report for the clinic. The doc noted that the actual chair a hireling sits in is not to blame for his or her beleaguered bottom. Instead, the true culprit is their lack of movement while on the clock. 'Sitting too long without breaks isn't particularly good for anything,' Milicia said. Advertisement And his butt advisory is right on the nose. Researchers from Beijing, China, recently reconfirmed the cautionary adage, 'sitting is the new smoking,' finding that employees — namely office workers — are at a high risk of experiencing severe neck pain. 4 Investigators have found that sitting for long periods of time can trigger body aches and neck pains. Kittiphan – Kristianne Egbert, a board-certified professional ergonomist, issued a similar warning to The Post, saying, 'holding any one posture for an extended period — whether sitting or standing — can take a toll on your body.' Advertisement 'Static positions cause muscles to tense, slow blood flow and lead to fatigue,' she added. Still, most 9-to-5ers, especially those who've been called to return the office for long-stretch shifts, are forced to park their hind parts in uncomfortable chairs in cramped cubicles for at least five days per week. 4 Experts warn that constant sitting can cause one's buns to become flabby, saggy, flat and squishy. AS/ – The bootylicious online, however, are working their butts to the bone with mid-day exercises, hoping the avoid the ills of office chair atrophy. 'Me every 30 minutes when I find out what office chair butt is,' Haike, a TikTok user, wrote in the closed-captions of a clip that featured her doing knee-lifts at her desk, running up and down a flight of stairs and doing laps around a conference room in her workplace. Loba, an internet influencer from Chicago, stepped away from her workspace to hit a series of squats after catching a shocking glimpse of her flap-jack fanny. And Nikki, a well-endowed diva, lead her team of fellow employees, comprised of both men and women, in executing several repetitions of lunges, squats, leg-lifts and stair climbs, vowing in her vid, 'No office chair butt for us.' Advertisement 4 Squats, leg exercises and butt clenches are all recommended for counteracting the flattening effects of office chair butt, per Cleveland Clinic. T Mdlungu/ – For a Beyonce-like behind, Milica recommends slaying those exercises and more every day, suggesting folks, 'get up and move every 30 to 90 minutes, as your job allows.' Here are a few derrière-improving workouts to help you avoid looking like you've got pancakes in your work pants. Standing while taking a phone call Placing your filing cabinet or other equipment you use during the day a few feet away from your desk Walking to a colleague's office for a face-to-face talk, rather than sending an email Inviting co-workers for a walking meeting Taking the stairs rather than the elevator Choosing a restroom that's a little farther away Switching to a sit-stand desk Try a walking pad under your desk Butt clenches Marching in place Heel lifts Toe lifts Ankle circles Squeezing a ball (or your fists or other prop) between your legs Trying to hold your knees apart while pushing them together when your hands
