Ladies, let’s be real.  Times are tough and we don’t always have the opportunity to save our money.   A recent report found that the median wealth for single black women is only $5, and the median wealth for married or cohabitating black women is $31,500. Meanwhile, single white women who are in their working prime (ages 36-49) have a median wealth of $42,600, and married or cohabitating white women have a median wealth of $167,500.  Keep in mind that wealth, or net worth measures the totals of one’s assets- cash in the bank, stocks, bonds, and real estate; minus debts- home mortgages, auto loans, credit cards, and student loans.  It’s time to talk.  There are many complex reasons for such disparities concerning black women and wealth and we can sit back and examine and discuss these disparities all day long, but the fact remains that we need to take more action and responsibility for our financial futures.