Most people think retirement planning is for wealthy people.

That’s the myth.

This week on Who Keeps Blocking Black Wealth, Dana Mitchell and Harold Tate break down why retirement planning has nothing to do with being rich — and everything to do with understanding your future before crisis forces decisions for you.

Using this week’s private-credit market losses as the backdrop, the episode explores how financial instability eventually impacts everyday communities, especially those already struggling with access to capital, retirement planning, and generational wealth building.

Topics include:

Why retirement planning starts with vision, not money

How survival mode keeps people from preparing

The hidden danger of “I’ll figure it out later”

Defining retirement before building strategy

Why financial systems affect everyone — even when they seem irrelevant

Because retirement planning is not just about money.

It’s about dignity.