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Then determine your risk tolerance, set your wealth goals and monitor performance. Support black- and minority-owned businesses in your area.

You don’t need to wait till your next review to ask for a raise. Present all the ways you contribute to the business while considering your boss’ priorities and future contributions.

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Start by researching stocks, bonds and mutual funds. When small businesses flourish, so do their communities and the local economy via new jobs, property ownership, credit building and more.

Search for advisors you can meet in person, chat with online experts, search video topics or even listen to money podcasts like “Checks & Balances” or “Redefining Wealth.” African Americans are less likely to invest but you could be missing out on major gains.

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