Dear Reader,
I know you want to build generational wealth not solely just so you can build the life that you want, but also...
So you can build a life that doesn’t just work for you, but FULFILLS you, as well.
So you can finally take the ancestral return trip you have been dreaming about all your life to reconnect with your lineage and reseat and remember the true source of your power.
So you can fund your daughter’s education without taking out a loan or putting her in debt before she can even experience the world.
So you can go to your doctor’s appointment and fully prioritize your health without worrying about what insurance will and won't cover.
So you can create an investment approach that aligns with your values.
So you can give back to your community and contribute to causes you care deeply about.
So you never have to worry if someone is coming to save you, because you always know your margins will help you save yourself.
So you can say FU—without saying a word—to anyone that is not treating you with the dignity and respect you deserve.
When you think about your ideal life, what do you tell yourself?
And here’s the thing: you have been gaslighted by exclusionary economic and financial systems and policies that are not designed for you to thrive. You’re told that if you just leaned in more, you’ll be able to climb the career ladder all while sporting a power suit and high heels. What no one bothers to warn you about is that hustle culture is propped up on the backs of women providing unpaid domestic work and childcare for their homes and families. Caregiving comes with a high price tag: lower or lost wages, slowed income growth, and reduced retirement savings and income, and less leisure time. With unaffordable healthcare, expensive childcare and eldercare, and no paid family leave, it is no surprise that the math in this equation never works in your favor. Even if you opt out of having children you still have to spar with the “the maybe baby” bias. And when you wake up with a pounding migraine, you are told to take a deep breath and pop a Xanax. It’s too hard to breathe when you feel capitalism is choking your time, energy, and money out of you and your life.
Beyond the inequities in the workplace, there are other ways the deck is stacked against you. Want to start your own business so that you can have more autonomy over your time? Just know that you are more likely to see “REJECTED” stamped on your bank loan application than fresh-out-college Chad. And when it’s time to pitch a Venture Capital firm to scale your company, you’re going to have to pitch another guy also named Chad (what is up with the name Chad???) who emails you to say he “has decided not to move forward.” When you zoom out, you learn that Venture Capitalists (VCs) seldom take chances on all-female founder companies like yours (and even less so if you're a woman of color), as they funnel just 2% of their investment dollars in their direction. And when the time comes to sell your business, you are more likely to sell it for much less than Chad (there he is again).
Want to invest in real estate? Chances are you will pay more for your home, and reap less when you sell it. Not to mention the fact that every time you call your plumber, he’ll ask to speak with your husband. And then quote you $10K for something that you don't need to fix. It starts to feel like you're trying to single-handedly dismantle the patriarchy every time you deal with a home repair (with your power drill in hand, of course).
Want to invest in the stock market? If you don't know what questions to ask or what to look for, you’ll get stuck with a financial advisor who politely asks how to pronounce your name and then convinces you the best option is to go with their “Gold Package” which charges “only 1% fees.” Then he says all this fancy financial jargon (i.e., dollar cost averaging, tax loss harvesting, wrap fees, etc.) to confuse and make you believe investing is too complicated for you to do it on your own.
Whether you are dealing with the gender or racial pay gaps in the workplace, the homeownership gap, the investing gap, or the exit gap, they all are designed to do the same thing: prevent you from building and growing your wealth. But don’t let that be the reason to throw a pity party with rainbow confetti. Let that instead be the primary driver for getting your assets in formation and build your margins like your life depends on it.
I’m here to tell you that it’s not your fault. Do you have every right to be angry? Yes, of course you do. But being angry isn’t a strategy for building margins in your life. Anger is what gets in the way of what you want and need to build. Because the moment you fall for anger’s seduction is the moment the patriarchy straightjackets you into compliance and silence. So instead of being out in these streets proactively building an empire ecosystem that nourishes you and your bank account, you know what you find yourself doing? Wasting your precious time and energy justifying and defending yourself because now you’ve been casted as that angry woman of color. The ill-tempered one. The rude one. The aggressive one. The loud one. Please don’t fall for this energy-eating, patriarchal piranha of a trap that weaponizes your righteous anger. And no, I’m not suggesting you bottle up your anger and surrender with a forced smile.
What I’m implying is that you play on a different field altogether, one where you don an impenetrable shield from those gross, sexist and racist vultures that are constantly feasting on your energy. And where you finally can build your margins with sheer focus and intention. Because once you get to that place, you're no longer succumbing to a world that’s on fire. You’re the one who’s on FIRE (cue my favorite Alicia Keys song)
Think of me as your go-to generational wealth expert—with a face and lived experience similar to yours—so you can get to that place with ease, calm, and confidence. I'll make sure you know what hand to play based on the cards you’re dealt -- all while I show you how to deal yourself the hand you truly want. That’s why I created Marginalized Margins™— to move you from frustration to freedom when it comes to building your margins in your life.
If this message speaks to you, activate that subscribe button with your magical fingers. This is not about joining another newsletter that collects dust in your inbox. This is about joining a movement that puts you on path towards reclaiming your power and building generational wealth. Each week, I’ll be chipping away at financial gatekeeping, by sending my most trusted resources, strategies and tactics on how to build your margins.
Here’s the hard truth you need to hear:
No one is going to advocate for your generational wealth as much as you are.
No one is going to plan, strategize, and push for your margins more than you.
Don't make the dire mistake of leaving your wealth-building potential on the table.
You simply won't get this type of learning anywhere else. Why? Because I was you. Scouring the internet trying to find anything to help me navigate predatory financial systems that weren't designed for or welcoming of me. I have the scars so you don't have to.
See you in the Margins,
Miloney