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Russell Wilson and Ciara Wilson: The Quiet Matchmakers Reshaping Black Love and Its Implications for African American Institutions

Love is or it ain’t. Thin love ain’t love at all. – Toni Morrison, Beloved

When Pittsburgh Steelers wide receiver DK Metcalf proposed to Grammy-nominated singer Normani in March 2025, everyone saw the romance. But few understood the deeper significance. Three years earlier, Russell Wilson and Ciara had orchestrated the introduction at a party where Ciara made sure Normani attended. “They was playing cupid, but it worked,” Normani later said. “If you could trust a couple [to set you up], that would be the couple.”

Four months later in July 2025, when NBA star Donovan Mitchell proposed to singer Coco Jones, the Wilsons were once again celebrating behind the scenes. Russell had helped plan the proposal, working with luxury event planners to create the perfect moment.

Two high-profile engagements. One couple quietly orchestrating connections. But this isn’t just celebrity matchmaking—it’s something more profound. Russell and Ciara Wilson are modeling what intentional Black love looks like, and the ripple effects could fundamentally reshape African American institutional capacity at a moment when our community desperately needs it.

What makes the Wilsons’ matchmaking significant isn’t the celebrity of the couples they bring together—it’s the deliberateness of it. They’re not hoping love happens. They’re creating the conditions for it. They’re investing three years of relationship before an engagement. They’re using their social capital to bridge different professional spheres, connecting successful Black professionals across industries who might never meet organically despite moving in similar circles.

This kind of intentionality around Black love has historical resonance. During the segregation era and Jim Crow, when every institution worked to keep Black families separated and destabilized, our communities survived by being deliberate about connection. Churches served as matchmakers. Family networks facilitated introductions. HBCUs became spaces where Black professionals met their future spouses. The community understood that strong marriages weren’t just about individual happiness—they were about survival and institutional building.

The data reveals something striking: marriage rates for Black adults were higher than for white adults in every U.S. Census from 1890 to 1940—the height of overt racism and segregation. Even in 1960, the marriage rate for Black adults was 61%, and two-thirds of Black children lived in two-parent households. Today, only 31% of Black Americans are married, and half have never been married at all.

What changed wasn’t racism—that existed then and persists now. What changed was the infrastructure of intentionality around Black love. The systems that deliberately brought people together, that supported young marriages, that made partnership formation a community priority—those eroded while the obstacles remained.

Understanding what the Wilsons are doing requires understanding what Black families have survived—and what continues to threaten our ability to build generational wealth and institutional power through stable partnerships.

The historical attacks on Black family formation were systematic and devastating. During segregation, redlining prevented Black families from buying homes in appreciating neighborhoods, which meant that even when Black couples married and saved, their wealth accumulated at a fraction of the rate of white families. Housing policies created by the federal government in the 1930s explicitly designated Black neighborhoods as too risky for mortgage lending, forcing Black families into predatory contracts that often ended in eviction.

But perhaps no threat has been more insidious than the systematic devaluation of Black women as romantic partners. Research consistently shows that Black women face unique marginalization in the dating market. Studies reveal that Black women receive the lowest desirability ratings on dating platforms from men of all races, with one 2014 OKCupid analysis finding Black women rated as “least attractive” compared to women of other races. These aren’t just numbers—they reflect deep-seated stereotypes that paint Black women as too masculine, too strong, too independent, too angry to be desirable partners.

The roots of these stereotypes trace directly to slavery, when Black femininity was deliberately contrasted against white femininity to justify Black women’s oppression and exploitation. When Black women assertively advocate for themselves, society—including some Black men—uses labels like “loud,” “angry,” and “emasculating” to question their worthiness for romantic relationships. The myth persists despite Black women’s clear desire for marriage and partnership.

This devaluation creates a devastating cycle. Black men face their own pressures and internalized racism, sometimes leading them to view relationships outside the Black community as aspirational—an “upgrade” that signals status and success. The data bears this out: among Black newlyweds with bachelor’s degrees, men are more than twice as likely as women to marry outside their race (30% versus 13%). Some Black men internalize colorism and Eurocentric beauty standards, further narrowing the pool of Black women they consider desirable partners.

When successful Black men choose partners outside the community without understanding the implications, they dilute the very networks and institutional capacity the Black community needs to build generational power. They reduce the already constrained supply of partners for Black women who, despite facing the most challenging dating environment of any demographic, remain the group most committed to intra-racial partnership. This isn’t about policing individual choice—it’s about recognizing that individual choices, aggregated across thousands of successful Black professionals, have community-level consequences for institutional sustainability.

When the Great Migration brought millions of Black families north seeking better opportunities, they found wages increasing but housing wealth eroding. Segregated housing markets meant Black families paid higher rents for deteriorating properties while watching their neighborhoods decline in value. The very act of Black families moving into a neighborhood triggered white flight, which collapsed property values. Homes that should have been vehicles for wealth accumulation became wealth traps.

Then came the deliberate destruction. The Tulsa Race Massacre of 1921 obliterated what was known as “Black Wall Street”—a thriving district where Black families owned land, operated businesses, and built wealth estimated at over $200 million in today’s dollars. Hundreds died, thousands were left homeless, and laws were passed to prevent survivors from rebuilding. This wasn’t unique. Chicago saw approximately 1,000 Black homes and businesses burned during the Red Summer of 1919. Across the country, thriving Black communities were systematically destroyed through racial violence that governments failed to prevent and often actively supported.

The wealth that did accumulate often couldn’t be transferred. Without access to estate planning services and facing discriminatory legal systems, many Black families lost property through “heirs property” designations that left land ownership unclear and prevented descendants from accessing the wealth their grandparents had built.

Today’s threats are more subtle but no less destructive. Mass incarceration has removed hundreds of thousands of Black men from their communities, destroying the gender balance needed for relationship formation. The student debt crisis hits Black families hardest—Black graduates owe an average of $25,000 more than their white peers—making the economic foundation for marriage more precarious. The wealth gap means young Black couples can’t fall back on family wealth during rough patches the way white couples can. Geographic dispersion means young Black professionals leave the high-marriage-rate states where HBCU ecosystems once facilitated connections, moving to cities where they’re isolated from institutional support networks.

But perhaps most damaging is the loss of cultural infrastructure around Black love. The deliberate community matchmaking of previous generations has largely disappeared. The social pressure and support for marriage has weakened. Dating apps have replaced friend introductions, optimizing for superficial attraction rather than shared values and compatible life goals. Young Black professionals, especially those who’ve left HBCU networks, often lack access to communities of Black peers navigating similar life stages.

The Wilsons understand something crucial: strong Black marriages aren’t just about personal fulfillment. They’re about building institutional capacity. When they facilitate a marriage between DK Metcalf and Normani, they’re not just creating a happy couple—they’re multiplying resources that could flow to Black institutions.

Consider the mathematics of it. Married couples don’t just have double the income of single individuals—they accumulate wealth exponentially faster. Black married couples have a median net worth of $131,000 compared to just $29,000 for single Black individuals. This isn’t because marriage magically creates money. It’s because marriage allows for coordinated financial strategy, shared expenses, combined networks, and the ability to take risks one income couldn’t support.

But the real multiplier effect extends beyond individual household wealth. Strong Black marriages create:

Coordinated Philanthropic Power: A married couple decides together where to direct resources. They create family foundations. They develop multi-year giving strategies to institutions they both value. They leverage their combined networks to recruit other donors. They become major benefactors rather than occasional contributors.

Intergenerational Institutional Commitment: Children from stable two-parent households inherit not just wealth but institutional loyalty. A child whose parents both attended HBCUs, both support Black cultural institutions, both invest in Black businesses—that child grows up with institutional commitment encoded in their identity. They become the next generation of supporters, leaders, and advocates.

Professional Network Effects: When two successful Black professionals marry, their networks merge. Different industries intersect, creating unexpected opportunities. Professional connections multiply. These network overlaps create opportunities for institutional partnerships, corporate sponsorships, business ventures, and talent pipelines that wouldn’t exist otherwise.

Resilience and Risk-Taking: Married couples can take risks single individuals cannot. They can invest in Black startups, fund untested ventures, support experimental programs, and make long-term commitments to institutions precisely because they have a partner sharing the risk. This risk-taking capacity is essential for institutional innovation and growth.

Cultural Modeling and Social Capital: Visible successful Black marriages change cultural narratives. They make marriage aspirational. They demonstrate what’s possible. They create social pressure in the positive sense—the expectation that successful Black professionals will find partners, build families, and invest in community. This cultural shift has compound effects across generations.

The geographic data supports this institutional impact. Seven of the top ten states with highest Black marriage rates—Virginia (34.0%), Maryland (33.2%), Texas and Delaware (32.8%), Florida and North Carolina (31.3%), and Georgia (30.9%)—are HBCU states. These states have thriving Black middle classes, strong African American institutions, and robust professional networks. The marriage rates aren’t coincidental—they’re evidence of how institutional ecosystems and family stability reinforce each other.

What the Wilsons are doing works because they understand marriage formation as network building. They’re not running a dating service. They’re curating a community of successful Black professionals who share values, understand each other’s pressures, and can build partnerships that transcend individual achievement.

Research shows people are still most likely to meet long-term partners through friends, family, or work rather than dating apps. The Wilsons are leveraging this truth at scale. Every couple they help create becomes a new node in an expanding network. Metcalf and Normani will introduce their single friends to each other. Mitchell and Jones will facilitate connections within their circles. The Wilsons’ nine-year marriage serves as the model and proof of concept.

This creates self-reinforcing cycles. Strong marriages produce stable families. Those families invest in institutions. Those institutions create spaces where the next generation forms relationships. Those relationships produce more strong marriages. The cycle builds momentum.

This is how communities accumulate power—not through individual success stories but through interconnected networks of families committed to collective advancement. During segregation, Black communities maintained this infrastructure deliberately because they had to. We knew that isolated success meant nothing if it couldn’t be transferred to the next generation or scaled across the community.

The Wilsons are reviving this model for the contemporary moment, when Black professionals are more economically successful than ever but often isolated from the institutional networks that would allow that success to compound.

Imagine if what the Wilsons are doing at the celebrity level was replicated across every tier of Black professional achievement. Imagine if young Black doctors, lawyers, engineers, educators, entrepreneurs were part of deliberate matchmaking networks that facilitated connections based on shared values and institutional commitment.

The compound effects would be staggering:

Economic Impact: Thousands of additional stable Black marriages would translate to billions in accumulated wealth. That wealth, properly channeled, could recapitalize Black institutions that have operated on shoestring budgets for generations. HBCUs could build endowments rivaling elite white institutions. Black hospitals could expand. Community development financial institutions could scale their lending. Black cultural institutions could thrive rather than merely survive.

Political Power: Married couples are more likely to vote, more likely to engage in civic life, more likely to serve on boards and run for office. A generation of politically engaged Black couples could fundamentally shift electoral dynamics and policy priorities in states with large Black populations.

Professional Advancement: The network effects of thousands of strategic Black marriages would create unprecedented opportunities for collaboration. Black entrepreneurs would have access to capital through their spouses’ networks. Black professionals would have insider information about opportunities through their partners’ connections. The “old boys network” that has excluded Black professionals for generations could be matched by networks of Black couples leveraging their combined social capital.

Cultural Renaissance: Stable Black families create the conditions for cultural production. Artists need economic security to take creative risks. Writers need time to develop their craft. Musicians need resources to experiment. When Black creative professionals have partners who can provide economic stability, the entire community benefits from their artistic output.

Institutional Sustainability: Perhaps most critically, networks of strong Black marriages ensure institutional continuity. When couples commit to supporting institutions together, those institutions can plan decades into the future. They can launch ambitious programs knowing they have committed donors. They can weather economic downturns because their supporter base is stable. They can dream bigger because their foundation is stronger.

But recognizing what’s possible raises uncomfortable questions about what’s missing. If the Wilsons can facilitate life-changing connections within celebrity circles, why doesn’t similar infrastructure exist for the thousands of Black professionals outside those circles? If marriage rates for Black adults were higher during Jim Crow than today, what infrastructure did we lose—and how do we rebuild it?

These questions don’t have simple answers, but they demand serious consideration:

How do we recreate the deliberate matchmaking infrastructure that sustained Black communities during segregation, adapted for contemporary circumstances? Church networks and family connections can’t carry the full weight when young Black professionals are geographically dispersed and disconnected from traditional institutions.

What would institutional investment in Black relationship formation look like? HBCUs, Black Greek organizations, professional associations, cultural institutions—these entities have the trust and access to facilitate connections. But do they recognize this as part of their mission? Do they allocate resources to it? Do they measure success by families formed, not just events hosted?

How do we address the structural barriers that make marriage economically precarious for young Black professionals? Student debt, wage gaps, wealth inequality, housing costs—these aren’t relationship problems, but they make relationship formation dramatically harder for Black Americans than for white Americans with similar educational attainment.

What role does media and culture play in shaping expectations around Black love? When the dominant narratives about Black relationships emphasize dysfunction and failure, when successful Black marriages are invisible, when young Black people grow up without models of healthy partnerships—this creates self-fulfilling prophecies that perpetuate the marriage gap.

How do we balance individual freedom and choice with community needs for strong families and institutions? Nobody should be pressured into marriage. But if the community loses the infrastructure that facilitates healthy relationship formation, individual freedom becomes isolation by default.

The Wilsons have shown what’s possible. Their intentional matchmaking, their sustained investment in couples’ success, their willingness to leverage their social capital for others’ benefit—this is the model. But celebrity circles can only accommodate so many couples. The question is how to scale this intentionality across the Black professional class.

The answer must be institutional, because only institutions can sustain infrastructure across generations. Individual matchmakers burn out. Informal networks fragment. But institutions—if properly designed and resourced—can maintain systems indefinitely.

What might institutional investment in Black love infrastructure look like?

HBCU Alumni Networks as Matchmaking Ecosystems: Alumni associations in major cities could host quarterly events specifically designed to facilitate connections among young Black professionals. Not awkward singles mixers, but sophisticated networking events, community service projects, cultural experiences where relationships form organically among people with shared backgrounds and values. Success could be measured not just by attendance but by marriages facilitated and families formed.

Black Professional Associations as Relationship Hubs: Organizations for Black lawyers, doctors, engineers, educators, entrepreneurs could recognize relationship facilitation as core to their mission. When successful Black professionals marry, their combined professional power benefits the entire community. These associations could create structured mentorship that pairs young professionals not just for career guidance but for life partnership modeling.

Technology Platforms Designed for Black Love: Dating apps optimize for engagement and superficial attraction. What if technology was designed specifically to facilitate meaningful connections among Black professionals committed to community building? Platforms that prioritize shared values, institutional loyalty, life goals, and cultural understanding over swipe-right dynamics.

Financial Incentives for Family Formation: What if institutions offered tangible support for young Black couples? Grants for couples pursuing marriage counseling. Low-interest loans for home purchases for alumni couples. Scholarships for children of HBCU alumni couples. These investments would pay dividends in institutional loyalty that compounds across generations.

Cultural Campaigns Celebrating Black Love: Media campaigns showcasing successful Black marriages, particularly among professionals committed to community advancement. Not aspirational fantasy but realistic portrayals of how successful couples navigate challenges, support each other’s growth, and invest in institutions. Make Black love visible, aspirational, and achievable.

Research Infrastructure: We lack basic data on what makes Black marriages successful. Which combinations of backgrounds, values, and life circumstances predict long-term partnership success? What interventions effectively support young Black couples through early marriage challenges? Hampton University’s National Center on African American Marriage and Parenting represents a start, but we need comprehensive research infrastructure that can inform evidence-based programming.

The answers won’t come from any single intervention but from a ecosystem of institutional support that makes Black love not just possible but probable. That makes stable marriages not just aspirational but expected. That makes family formation not just personal but communal.

Russell and Ciara Wilson didn’t set out to solve the Black marriage crisis or to transform African American institutional capacity. They’re simply two people who understand the value of healthy relationships and want to share that blessing with their friends.

But their efforts reveal what’s missing and what’s possible. They show that when influential people commit to facilitating connections within Black professional circles, life-changing partnerships form. They demonstrate that intentionality around Black love produces results that individual effort alone cannot achieve. They prove that building strong Black marriages is institution-building at its most fundamental level.

The viral social media pleas asking the Wilsons to expand their matchmaking aren’t just jokes. They reflect a genuine hunger for what the Wilsons provide—thoughtful facilitation of connections among Black professionals who share values and aspirations. They reveal the absence of infrastructure that our grandparents’ generation took for granted because it was built into the fabric of Black community life.

The declining marriage rate among African Americans isn’t inevitable. It’s the result of infrastructure collapse that can be reversed through deliberate institutional investment. The opportunity is to recognize that facilitating Black love isn’t tangential to institutional missions—it’s foundational to building the networks of stable families that will sustain Black institutions for generations.

Seven of the ten states with highest Black marriage rates are HBCU states, which means the foundation still exists. The communities are still present. The institutions still stand. What’s needed is leadership willing to acknowledge that the work of building Black institutional power begins with building Black families. That the work of building Black families requires intentional infrastructure. That the work of building that infrastructure is everyone’s responsibility who claims commitment to Black advancement.

The Wilsons are showing us what’s possible when two people commit to intentionally building Black love within their circles of influence. The question for the rest of us—for institutions, for leaders, for anyone with social capital and community commitment—is whether we’ll do the same within our own spheres. Whether we’ll recognize matchmaking as institution-building. Whether we’ll invest in the infrastructure that makes Black love not just possible but inevitable.

The fire is there. The Wilsons are fanning the flames. The question is whether the rest of us will add fuel until it becomes a blaze that lights the way for generations to come.

The Lack Of Marriage Is Holding Back African American Wealth – And How HBCUs Can Help

“Paradise is one’s own place, One’s own people, One’s own world, Knowing and known. Perhaps even Loving and loved.” – Octavia Butler

The declining marriage rates among African Americans are increasingly recognized as a significant factor holding back wealth accumulation within the community. This trend has profound implications for economic stability and intergenerational wealth transfer. Understanding the connection between marriage and wealth, along with relevant statistics, sheds light on this critical issue.

Married couples generally experience greater financial stability than single individuals. According to the U.S. Census Bureau, married couples tend to have higher median household incomes. In 2021, the median household income for married couples was approximately $100,000, compared to about $60,000 for single-parent households, which disproportionately include African American families.

Research has shown that marriage contributes significantly to wealth accumulation. A study by the Institute for Family Studies found that households headed by married couples have about three to four times the wealth of those headed by single individuals. Specifically, Black married couples had a median net worth of $131,000 in 2019, compared to only $29,000 for Black single individuals. This disparity highlights the financial advantages of marriage in building wealth.

From an economic development perspective, marriage plays a crucial role in the transfer of wealth between generations. Households with married parents are better positioned to pass down assets. A report from the Federal Reserve in 2019 indicated that only 45% of Black households had any wealth to pass on, compared to 70% of white households. The lack of marriage in the African American community limits opportunities for families to create and sustain intergenerational wealth.

It also has acute impact on social development within the African American community. Marriage can provide emotional and social stability, which is vital for sound financial decision-making. Couples often collaborate on budgeting, saving, and investing, leading to better financial outcomes. According to a Pew Research Center study, married couples are more likely to engage in long-term financial planning, further enhancing their wealth-building capacity.

The decline in marriage rates among African Americans is linked to systemic issues, including economic inequality, high incarceration rates, and historical trauma. The National Center for Family & Marriage Research reports that the marriage rate for African Americans has dropped significantly over the past few decades, from 60% in the 1960s to just 29% in 2021. Addressing these systemic barriers is essential for promoting stable relationships and supporting marriage as a pathway to wealth.

Cultural perceptions around marriage also play a role. While many African Americans value family and community, there may be less emphasis on traditional marriage structures. However, promoting awareness of the economic benefits of marriage within the community could encourage individuals to consider its advantages for wealth accumulation and stability.

Ways HBCUs Can Help Promote Black Marriage

HBCUs can play a pivotal role in promoting marriage within the African American community by implementing several strategies:

  • Educational Programs: HBCUs can offer workshops and seminars focused on relationship skills, financial literacy, and the benefits of marriage. By educating students on effective communication, conflict resolution, and financial planning, these programs can foster healthier relationships.
  • Mentorship and Counseling: Establishing mentorship programs that connect students with African American married couples can provide positive role models. Counseling services that focus on relationship dynamics and conflict resolution can also support students in building strong partnerships.
  • Community Engagement: HBCUs can organize community events that celebrate marriage and family life, encouraging students to engage with positive narratives around marriage. These events can include discussions, panels, and social activities that promote the value of committed relationships.
  • Collaborative Research: HBCUs can engage in research initiatives that explore the factors influencing marriage rates in the African American community. Understanding these dynamics can inform policies and programs aimed at supporting healthy relationships.
  • Scholarships and Incentives: Creating scholarship programs for students who participate in marriage enrichment programs can incentivize students to invest in their relationships while also promoting the value of African American marriage within the community.
  • Marriage Endowments: HBCU alumni can partner with the UNCF and Thurgood Marshall Fund to create an endowment that provides head start capital for African American marriages among their alumni. This head start capital can be disbursed at once or over a set number of years ensuring that couples get off to a financially stable start.

The decline in marriage rates among African Americans poses significant challenges to wealth accumulation and economic stability. By addressing the underlying issues and promoting the benefits of marriage, HBCUs can play a crucial role in fostering healthy relationships within the community. Implementing educational programs, mentorship opportunities, and community engagement initiatives can help strengthen marriage as a pathway to wealth and empower future generations to build a more financially secure future.

There is no African American community without the African American family and there is no African American family without African American marriage. At the very center of anything we discuss must be the institutional stabilization of the African American family and therefore African American marriages and partnerships. Right now the foundation of community and institution building is in crisis with no real way to stem the tide of the crisis. Building in more institutional support services for mental, physical, and nutritional health are just a few of the things needed along with financial stability programs would go a long way to the stability of African American marriage and partnerships. Generational wealth or generational poverty is on the line and great sacrifice must be made if we want the former and not more of the latter.

Stanford-born Marriage Pact: Can HBCUs Copy & Paste This To Increase African American Marriage?

“Black love is a radical act.” – Audre Lorde

A few years ago, HBCU Money did a report highlighting which HBCU states had the highest African American marriage rates. In the piece, HBCU LOVE: Top Ten HBCU States With Highest African American Marriage Rate, Virginia led with 34 percent African American marriage rate. The national average African American marriage rate is 29.7 percent which seven HBCU states exceeded. It is no small leap to say that HBCUs play a vital role in these high marriage rates given their role in helping African Americans have a space dedicated to themselves and cultural pride that feeds into a desire for an African American partner. Not something as likely for African Americans who attend PWIs where so few options are available that it may make it quite difficult to match with or find an African American partner among so few options. It also is significant that HBCUs provide for the bulk of African American professionals in all fields and leading to cultural pride, economic stability, and alignment of values while learning to appreciate the diversity of African America which ultimately play a major role in leading to African American marriage.

Unfortunately, African American marriage rates are still struggling. Finding marriage or a life partner is culturally challenged where young women are stressed to focus on their books and young men are stressed to focus on the plethora of young women where on many HBCU campuses the women to men ratio is considerably unbalanced. This is a result of a myriad of social factors not least among them high school graduation rates among African American boys continues to struggle and those who do graduate have far too few who are actually college ready even if they are accepted. It also does not help that so many young women and men are coming from single parent households, the Office of Juvenile Justice and Delinquency Prevention reports only “four in ten Black children” live with two parents. This means that the majority of women and men on HBCU campuses know marriage only through a theoretical lens and to say little of what has shaped their views on marriage, partnership, and the institution that is African American (healthy) love. For African America that desperately needs more marriage for a myriad of reasons and HBCUs being one of the most optimal African American spaces (for those HBCUs who still care to be such) the question is how can that seedling be grown into a full blown redwood. Enter “The HBCU Marriage Pact”, a blend of HBCU pride, computer science blended together and you end up with HBCU Computer Love – “To share in my computer world, I no longer need a strategy, thanks to modern technology”. Copy and pasted from Stanford University’s Marriage Pact.

Leanne Italie of the Associated Press writes, “The Marriage Pact, an annual matching ritual that has become popular on nearly 90 college campuses around the U.S., has turned that dusty cliche into fun. And a few couples have found lasting love. Nearly half a million students have participated since the pact first rolled out at Stanford University in 2017. Born of an economics project by two students there, the pact involves an algorithm that rates matches based on such statements as “I prefer politically incorrect humor” and “I pride myself on telling hard truths.” Unlike dating apps and services, each student gets just one name, a percentage on the quality of the match and an email address to reach out.” Liam McGregor, creator of Stanford’s Marriage Pact, explained to Ms. Italie that, “Rather than dwell on physical beauty and personal stats like height and hair color, the Marriage Pact focuses its 50-question survey on core values. Communication styles and conflict resolution.” This is what significantly sets it apart from dating apps that allows for the distraction of aesthetics that often mislead our assessment of actual compatibility.

For this to work at HBCUs though it cannot be an exactly Copy & Paste without nuance. African Americans are caught in a vortex between not being able to afford to get married and not being able to afford not too. A large driver of closing the wealth gap is getting African American marriage rates up in order to scale capital and resources among African American families and into African American institutions. While the development of the HBCU Marriage Pact would go a long way it must also come with addressing some of the unique barriers that many African Americans face in building healthy relationships and this is where HBCUs and HBCU alumni associations can come in. Funding an African American Marriage Development Program. In the program students can learn about the history of African American marriage, healthy communication, receive therapy, learn household financial planning, etiquette, and other tools to increase the probability of a sustainable and productive marriage. For an added bonus, those who get married through the HBCU Marriage Pact would also be eligible to receive a financial grant to assist in funding the newlywed couple’s emergency fund in hopes of also mitigating some of the early financial pressures that African American couples face.

HBCUs themselves could coordinate consortium research around the HMP to conduct a longitudinal study to see the HMP’s potential impact. It has a myriad of interdisciplinary components that could be researched from education, economics, health, and many more. Quite an amazing prospect that we could be both putting into action a solvable problem and being the institutions that conduct the research around its theory.

The foundation of all Black institutions is the foundation of the African American family and it is in peril because African Americas are not pairing with each other for a myriad of reasons. But if we are to ensure there are African Americans tomorrow who want to attend HBCUs, then today and immediately we must engage of the work to incentivize and strategize for more of it to happen. The more African American couples who are also HBCU alumni deepens the empowerment and strength of both institutions continuing to be the institutions of our community and not gentrified or diluted like so many of our institutions have lay burden to or under attack by this very moment.

4 WAYS TO STRENGTHEN AN HBCU MARRIAGE PACT:

  • If they choose to sign up for the pact, then they must complete wholistic development of therapy, financial literacy, parenting classes, and more that would show they have the proper aptitude to be someone’s partner.
  • Developing HBCU marriage chapters in cities. This would allow HBCU couples to meet and network with each other to build and develop community.
  • Offer continuing education workshops in best marriage and family practices so that HBCU couples can continue to learn about best practices for community and family building.
  • Create an endowment that gives a financial reward marriage capped at the 10 year anniversary mark. $1,000 in year 1, $2,000 in year 2, so on and so forth up to year 10 when the couple receive $10,000. A combined $55,000 over ten years that would go into financially strengthening the burgeoning family.

Black (Fictional) Wealth: What If Martin & Gina Had Invested Their $4,000 Tax Refund In 1995?

Truth is so hard to tell, it sometimes needs fiction to make it plausible. – Francis Bacon

Heathcliff and Claire. George and Weezy. Carl and Harriette. Florida and James. Philip and Vivian. Martin and Gina. The African American fictional couples over the years who have exuded the importance of the African American family and Black love. From working class to high-income earners one thing has remained consistent. None seemingly were ever investors. The one African American fictional character that was a stockbroker was Living Single’s Kyle Barker and yet even in that show with Khadijah James (Queen Latifah) running what seemed to be a successful magazine and media company, the finances of the characters always seemed to come off as strained – save for Kyle and Maxine. The world of African American fictional characters reflects African America’s attitude towards money in real life. A central belief that the only way you make a lot of money is to have a high paying job. Money working for you through investments then and now is a concept that mightily struggles to take root among African American capital both individually and institutionally in our community. 

One thing that was or is rarely discussed in African American fictional shows is money and if it is discussed it is almost always discussed from a consumption and/or struggle vantage point – we all still have trauma from when Florida made James return that money. In real life, African America’s relationship with tax refunds has historically been used as an unrealized forced savings account. Many in African America not realizing that they are not getting money from the government, but are getting their money back from the government. Tax refunds are almost always a sign that an individual or household has paid too much in taxes throughout the year. Again, you are not getting money from the government, you are getting back your money that you overpaid to the government. This is why many refer to it as a forced savings account.

On April 6, 1995 aired Season 3 Episode 22 titled “C.R.E.A.M.” of Martin. It shows Martin and Gina as they are planning for their upcoming wedding. While paying their bills Martin sees a letter from the IRS and like any normal person begins to panic. Because seriously, who gets good news from the IRS? But instead of it being problematic, it turns out that an IRS error has allowed for Martin to receive a $4,000 tax refund. In the excitement, one would think that Martin and Gina just received a check of generational wealth as Martin exclaims, “We PAID! We PAID!” Immediately, Martin’s response is to find ways to spend the money noting that he should go out and buy them a satellite dish, a laser disc player, and himself a new wardrobe. Gina on the other hand actually reigns him in and suggest they actually invest the money. One thing that is glossed over in the exuberance was Gina’s earlier statement that they actually have all their bills paid this month suggesting that Martin and Gina’s finances are perhaps not on the most stable footing. It is likely that they were living check to check if not by some accounts living in the red.

To be clear, their refund was absolutely no small amount given that according to the U.S. Census, African American median household income in 1995 was $22,393. It would be equivalent to receiving almost $10,000 in 2023 terms where African American median household income is currently $46,400. African American homeownership rate during 1995 was the second lowest of any year over the past 30 years at 42.2 percent (see above). Whether or not Martin and Gina should have bought a home in 1995 is questionable given that they lived in Detroit, Michigan and the city 18 years later in 2013 would declare bankruptcy and by all accounts is still mightily struggling to recover for a myriad of reasons. 2013’s bankruptcy would also be in the shadows of the toxic dust from 2008’s Great Recession. According to NOVA AI, the median home price in Detroit in 1995 was $53,300, but by the end of 2022 median home values had only increased to $75,000 according to Realtor.com versus the rest of the country’s median home price in 1995 was $133,900 and at the end of 2022 home values were $479,500. A paltry 41 percent return over almost 30 years in Detroit versus 258 percent return for U.S. housing as a whole over the same period. This is only in nominal returns, but in real returns inflation has increased 92 percent over that same period according to OfficialData.org meaning real housing values in Detroit have actually been negative from 1995 to 2022. Martin and Gina would have needed to move into other asset classes that would be higher on the risk/return ladder (see below). In other words, they would need to either invest in stocks or start a business.

Just west of them headquartered in Seattle, Washington was the not quite a decade old tech company named Microsoft Company that went public in 1986. Had Martin and Gina invested their $4,000 in Microsoft that investment today would be worth approximately $306,000 or a return of 7,548.9 percent. Yes, you absolutely read that correctly. Instead, Martin and Gina invested in the most riskiest of endeavors and a cliche investment among African Americans – a restaurant. “The National Restaurant Association estimates a 20% success rate for all restaurants. About 60% of restaurants fail in their first year of operation, and 80% fail within 5 years of opening.” The comedic tragedy played out as expected according to Fandom.com, “Martin and Gina bite off more than they can chew when they invest all their money in a restaurant, (named Marty Mart’s Meatloaf & Waffles), that becomes more popular than they anticipated. The problem is that neither one of them knows how to run a restaurant or manage the finances, AND they take on Stan as a partner, which leads to lots of hilarious situations along the way.” Alternatively are stocks, owning a piece of a business without having to run a business and is definitely not as risky as starting your own business and especially if that business is a restaurant. Unfortunately, even as recently as 2020 only 34 percent of African American households owned stock versus over 60 percent of European American households. It is likely that it was even less in 1995 during Martin and Gina’s courtship. But it also begs the question, what are the expectations of African America’s fictional worlds? Should they do more to convey wealth building and investing that would help uplift our community?

Many would argue that A Different World (and The Cosby Show) had an immense impact on many African American children and families of the 80s and early 90s on attending HBCUs due to the fictional HBCU, Hillman College. There is a much higher hurdle to overcome as it relates to African Americans and money. Education is an accepted value deeply engrained in our community while investing not so much. However, many would also argue popular culture’s ability to influence behavior is a powerful tool and one worthy of strategic thought in community and institutional development. Fiction has a way of making us believe the impossible is possible. That we can travel the stars one day, be an African American doctor and lawyer couple, and so much more. It may also be the very thing necessary to ingratiate a different set of financial values into our community. Fiction allows us to change the paradigm of possibilities after all. Maybe, just maybe Tommy did not have a job – but he did have a portfolio of assets that provided him an income and the folks down at his “job” were fellow investors in an investment club.

“How To Start An Investment Club” by Better Investing click here.

Love & Financial Compatibility: 4 Questions You Should Ask BEFORE Becoming An HBCU Couple

“Whatever you into, your woman gotta be into, too, and vice versa… or the [thing] ain’t gonna work. lt ain’t gonna work. That’s right. lf you born-again, your woman gotta be born-again, too. lf you a crackhead, your woman gotta be a crackhead, too… or the [thing] won’t work. You can’t be like, ”l’m going to church, where you going?” ”Hit the pipe!” That relationship ain’t going nowhere, but two crackheads can stay together forever.” – Chris Rock

We all know the statistics. The number one cause of divorce is MONEY. And why it is money comes in all kinds of forms from a partner who does not help with the bills, disagreement about financial roles, spends too much, disinterested in their financial future, takes too much risk with the money they have earned (or too little), and the list goes on and on and on. For African Americans money is even more complicated when it comes to partnering. African Americans are dead last in median income, median wealth, and the only ethnic group where the women outnumber the men in employment. All of which leads to an already complicated issue of partnering with someone for the long-term even more so. Money brings about extremely strong emotions in people and African Americans are no exception. In fact, one could argue that because are financial situation is so dire that it adds even more stress and complexity than most. The majority of us are brought up with the stresses of money as the only conversations about money we have ever overheard – because we certainly were not allowed to participate in family conversations about money besides, “put that back, you know we can not afford that”. That along with a strong religious undertone of money being the root of all evil it is no wonder that the median net worth of African Americans has not moved in over four decades and is by some accounts trending downwards. So who you partner with and their attitudes towards money, as Chris Rock so eloquently put it, need to be aligned. We decided to put together four questions to help you determine whether the he, she, or they is right for you. A clarity you should try your best to establish before you even enter into a relationship.

If you had to pick a number, how much would you like to be financially worth? Do not let them be vague on this. They can not say rich, wealthy, or comfortable. There has to be a number. Rich, wealthy, or comfortable means very different things to different people. Two people can say they want to be rich, but one thinks that means being worth $5 million and the other may think that means $50 million. The further those numbers are apart or closer together will give you some valuable insight.

Why do you want to be worth that much? This is vital to give you insight on a person’s priorities. If they tell you they want to be able to buy whatever they want, acquire all the latest fashions, travel the world, they want to be able to send their children to the best schools, or they want to donate $25 million to their HBCU over their lifetime. This questions will all give you insight to their motivations and if those motivations align with yours.

Would you be willing to live with our parents, have roommates when we got married, or share a car for a few years? This is a question of sacrifice gauging a person’s sacrifice level. How badly do they want to get to that number to do that thing they said they want? The early years of financial sacrifice for a couple make all the difference in the world and while many say they want to achieve something, many are not willing to do the hard and uncomfortable things

What is your risk tolerance? Risk. Reward. They go hand in hand when it comes too investing and financial building. If one of you wants to start a business and the other just wants to save money in your savings account, then you are world’s apart when it comes to risk. There are obvious compromises to risk. Perhaps you agree to hit a certainly dollar amount in your savings account before pursuing business. Or perhaps you agree that owning a rental property portfolio is the middle ground. Whatever it is, your risk tolerance needs to be understand and agreed upon. This is particularly important because things can and often will go wrong, that is why it is called risk. When it does go wrong does it create a wedge between the two of you or does it cause you both to dig in and work together through it?

In the end, it is often hard for people to talk about money when they meet someone they like. It is even harder to realize that your financial views maybe so far apart that you simply do not make a good team and at the end of the day to be financially successful it requires teamwork. One of you can not be playing basketball and the other playing soccer. Financial goals being aligned will dictate so much of how you live your lives that to not have them aligned is a sure fire way to kill a relationship and yet many people do not think to discuss money until after they are together and sometimes not even then. They do not realize the detriment of differences until it rears its ugly head. In this new era of mental health, make sure you discuss what it will take to have financial health as well.