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Here’s What to Ask When Saving for the Unexpected..

As your life changes, the amount you need in your emergency fund will change as well. It’s a good idea to revisit your emergency fund plan every six months or any time you experi-ence a life event that impacts your income. Marriage, starting or adding to your family, buying a home, and divorce are just a few examples of when you may need to increase your emer-gency fund. A good savings plan can roll with the punches right alongside you!

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Tracking your spending can help you estimate monthly expenses. Completing this exercise can also help you figure out how much you can afford to save toward your emergency fund each month.
Tracking your spending can help you estimate monthly expenses. Completing this exercise can also help you figure out how much you can afford to save toward your emergency fund each month.

 Sponsored content from JPMorgan Chase & Co. 

Finances are different for everyone, and so are the life events we all go through. An emergency fund is your financial line of defense against life’s lemons. Although there are many financial rules of thumb, there is no “normal” way to handle your emergency fund. 

The bottom line: saving money is the first line of defense to financial wellness, especially when the unexpected happens. While nobody can predict the future, everyone can prepare for it. 

Oakland Community Manager Myesha Brown.

Oakland Community Manager Myesha Brown.

What is the reason for my emergency fund? 

Your emergency fund is a safety net that can help you avoid getting into a difficult financial situation due to a loss of income or unexpected, one-time expenses. Having one in place can reduce stress, anxiety, and other emotions that could make handling the non-financial aspects of an emergency much more difficult. 

It may seem a little obvious that an emergency fund is for emergencies. However, one of the challenging aspects of an emergency fund is knowing what expenses qualify as an emergency. This fund’s sole purpose is to prepare you for costs that you cannot or would not typically plan out. For example, oil changes and new tires are predictable vehicle expenses you should plan for in your regular savings. However, you wouldn’t typically plan for costs that you could incur on the off chance that you need to make emergency home repairs or pay for emergency medical expenses. You would cover these from your emergency fund. 

How much do I need? 

How much would a new furnace cost? If you could not work, how much would you need to cover essential expenses until you could? Asking yourself these kinds of questions will help you set a goal amount for your emergency fund.

The general rule of thumb is three to six months of essential expenses. However, you can always start with a goal you find achievable. Say $1,000. Once you reach that goal, aim for three months of rent, then three months of essential expenses, and so on.

Tracking your spending can help you estimate monthly expenses. Completing this exercise can also help you figure out how much you can afford to save toward your emergency fund each month.

How do I save that much?

Start small: If you haven’t started, consider putting $25 from every paycheck into a savings account. Even a few dollars can make a big impact in the long run. Check your budget or spend-ing plan to see how much you can save after you’ve paid essential expenses and before budgeting for discretionary spending.

Keep it separate: Open a separate savings account to help you resist the temptation to dip into it. Remember, this account is for emergencies, so keep it away from your daily spending accounts and separate it from vacation and holiday savings. This method will help you stay organized, visualize your progress, and provide peace of mind.

Automate your savings: One way to automate is via direct de-posit. You may be able to instruct your employer to deposit a por-tion of your paycheck directly into your emergency savings ac-count every pay period. Alternatively, you can set up an automatic transfer from your primary checking account to your emergency savings account on payday. Both methods save you from adding a manual transfer to your to-do list that may be overlooked if things get busy! 

Will I ever need to change the amount?

As your life changes, the amount you need in your emergency fund will change as well. It’s a good idea to revisit your emergency fund plan every six months or any time you experi-ence a life event that impacts your income. Marriage, starting or adding to your family, buying a home, and divorce are just a few examples of when you may need to increase your emer-gency fund. A good savings plan can roll with the punches right alongside you!

How do I prioritize emergency savings against debt and other goals?

Deciding whether you should pay down debt, save for other goals, or grow your emergency fund is all about the big picture. Everyone has different financials, so that picture will vary person-to-person. What will impact you the most financially? Paying down debt and saving money long term or having a plan B that allows you to keep making minimum payments if you lose income? There is no right or wrong answer.

Your emergency fund is there to help you expense the un-expected. So, make a plan and be ready for whatever comes your way! 

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Activism

The Best Advice for Raising Children: Discipline That Makes Sense

In his book Developing Positive Self Images and Discipline in Black Children, Dr. Jawanza Kunjufu suggests that primary aims for socializing Black children should be: establishing goals related to God and the church; familiarizing children with religious texts like the Bible or Quran; educating them of Black culture like Khemetic (Egyptian) Civilization; enlightening them about Black leaders like Malcolm X and Sojourner Truth; and teaching them to strive to be employers, not employees.

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Headshot of Dr. William A. Thomas. Photo courtesy of Dr. William A. Thomas.
Headshot of Dr. William A. Thomas. Photo courtesy of Dr. William A. Thomas.

By William A. Thomas, Ph.D.

In many African societies, the primary aim of socialization is to raise children to be socially responsible and eventually provide economic support to their parents and extended families. Ghanaian philosopher Kwame Gyekye taught that children are raised to be respectful of the wishes of their parents and extended adult family members.

In his book Developing Positive Self Images and Discipline in Black Children, Dr. Jawanza Kunjufu suggests that primary aims for socializing Black children should be: establishing goals related to God and the church; familiarizing children with religious texts like the Bible or Quran; educating them of Black culture like Khemetic (Egyptian) Civilization; enlightening them about Black leaders like Malcolm X and Sojourner Truth; and teaching them to strive to be employers, not employees.

Effective disciplinary strategies appropriate to a child’s age and development teach them to regulate their behavior; keep them from harm; enhance their cognitive, social, and emotional executive functioning skills; and reinforce the behavioral patterns taught by their parents and caregivers.

Below are some specific guidelines for disciplining children.

Listen to what children are talking about with interest and show them you understand their feelings. Remember, children mirror and learn about their emotional selves by hearing their feelings reflected back to them. Staying on target also means avoiding labels. When children fail to do what is expected, discussing it is helpful rather than saying how stubborn, lazy, dumb, or bad they are. By the same token, more positive labels can be helpful.

Dependability is another essential component of the discipline process. When parents are dependable, their children learn what to expect and are helped to feel secure. When parents are consistent, children learn to trust, that is, predict their parents’ behaviors with certainty. A child thinks, “When I spill something, I will always be asked to wipe it up.” A child thinks, “If I use foul language, I will always be corrected.” A child thinks, “If I take something that doesn’t belong to me, I will always have to give it back.” The ability to predict with certainty leads children to rely on their parents and the village/community in which they live. Children feel safe when they know what to expect.

Conclusions

It takes a village/community to raise the divine gift that is the Black child. Parents look to therapists for guidance concerning a variety of parenting issues, including discipline. Keep in mind that evidence suggests that corporal punishment is both ineffective in the long term and associated with cognitive and mental health disorders. When parents want guidance about the use of spanking, a child therapist can explore parental feelings, help them better define the goals of discipline, and offer specific behavior management strategies. In addition to providing appropriate education to families, the Bay Area Association of Black Psychologists (Bay ABPsi) can refer them to community resources, like parenting groups and classes.

 About the Author

Dr. Thomas is a licensed clinical psychologist with a private practice in the SF/Oakland Bay Area and Beaumont. He is a member of Bay ABPsi, a healing resource committed to providing the Post Newspaper readership with monthly discussions about critical issues in Black Mental Health. Readers are welcome to join us at our monthly chapter meetings every 3rd Saturday via Zoom and contact us at bayareaabpsi@gmail.com.

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Activism

AI Is Reshaping Black Healthcare: Promise, Peril, and the Push for Improved Results in California

Black Californians experience some of the worst health outcomes in the state due to systemic inequities, limited healthcare access, and exclusion from medical research. 16.7% of Black adults report fair or poor health, versus 11.5% of Whites. Black adults have the highest death rates from prostate, breast, colorectal, and lung cancer. Statewide, diabetes affects 13.6% of Black adults versus 9.1% of Whites, and 27% of Black adults over 65 have heart disease, compared to 22% of Whites. Life expectancy for Black Californians is about five years shorter than the state average.

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(Left to right:) Dr. Akilah Weber Pierson. CBM file photo. Dr. Timnit Gebru is DAIR’s founder and executive director. Photo courtesy of Dr. Gebru. Judy Wawira Gichoya, MD, MS, is an associate professor in the Department of Radiology and Imaging Sciences at Emory University School of Medicine. Dr. Gichoya serves as co-director in leading the Healthcare AI Innovation and Translational Informatics (HITI) Lab. Trained as both an informatician and an interventional radiologist, Dr. Gichoya’s work is centered around using data science to study health equity. Photo provided by the Emory University Winship Cancer Institute.
(Left to right:) Dr. Akilah Weber Pierson. CBM file photo. Dr. Timnit Gebru is DAIR’s founder and executive director. Photo courtesy of Dr. Gebru. Judy Wawira Gichoya, MD, MS, is an associate professor in the Department of Radiology and Imaging Sciences at Emory University School of Medicine. Dr. Gichoya serves as co-director in leading the Healthcare AI Innovation and Translational Informatics (HITI) Lab. Trained as both an informatician and an interventional radiologist, Dr. Gichoya’s work is centered around using data science to study health equity. Photo provided by the Emory University Winship Cancer Institute.

Joe W. Bowers Jr.
California Black Media

Artificial intelligence (AI) is changing how Californians receive medical care – diagnosing diseases, predicting patient needs, streamlining treatments, and even generating medical notes for doctors.

While AI holds promise, it also poses risks, particularly for Black patients. It can provide faster diagnoses and expand access to care, but it may also misdiagnose conditions, delay treatment, or overlook patient’s critical needs. AI’s impact on Black patients depends on how biases in medical data and algorithms are addressed in its development.

“As we progress toward a society with increased use of AI technology, it is critical that the biases and stereotypes that Black Americans have faced are not perpetuated in our future innovations,” said Dr. Akilah Weber Pierson (D – San Diego), a physician and state senator spearheading legislative efforts to address AI bias in healthcare.

Why AI Matters for Black Californians

Black Californians experience some of the worst health outcomes in the state due to systemic inequities, limited healthcare access, and exclusion from medical research. 16.7% of Black adults report fair or poor health, versus 11.5% of Whites. Black adults have the highest death rates from prostate, breast, colorectal, and lung cancer. Statewide, diabetes affects 13.6% of Black adults versus 9.1% of Whites, and 27% of Black adults over 65 have heart disease, compared to 22% of Whites. Life expectancy for Black Californians is about five years shorter than the state average.

Benefits and Risks of AI in Healthcare

AI processes vast amounts of medical data using computer algorithms designed to identify patient health patterns, helping doctors to diagnose diseases, recommend treatment, and increase patient care efficiency. By analyzing scans, lab results, and patient history, AI can detect diseases

earlier, giving it the potential to improve care for Black patients, who face higher risks of prostate cancer, diabetes, heart disease and hypertension.

Dr. Judy Gichoya, an Interventional radiologist at the Emory University Winship Cancer Institute and AI researcher at Emory’s Healthcare AI Innovation and Translational Informatics (HITI) Lab, sees AI as a tool with great potential but cautions that its effectiveness depends on the diversity of the data it is trained on. She says, “Without diverse datasets, AI could overlook critical signs of diseases, especially in underrepresented populations like Black patients.”

Dr. Timnit Gebru, a computer scientist and AI ethics expert, is the founder and Executive Director of DAIR (Distributed AI Research Institute) in Oakland. She has extensively studied bias in AI systems and their impact on marginalized groups.

Gebru acknowledges that AI has the potential to improve healthcare by enhancing efficiency and expanding access to medical resources. But, like Gichoya she strongly stresses that for AI to be effective and equitable it needs to be subject to rigorous oversight.

AI is already helping doctors personalize cancer treatment by identifying biomarkers and genetic mutations. UCSF and Stanford Health use AI to analyze tumor DNA to match patients with the most effective chemotherapy or immunotherapy.

In diabetes care, AI predicts blood sugar fluctuations, helping doctors adjust treatment. It helps radiologists in early disease detection and identifies sepsis sooner, reducing hospital deaths. In cardiology, AI detects early signs of heart disease, spotting plaque buildup or abnormal heart rhythms before symptoms appear. It also helps predict strokes by analyzing brain scans to determine risk and guide intervention.

Kaiser Permanente uses AI scribes to reduce paperwork and improve patient interactions. Covered California has partnered with Google

Cloud to use AI to streamline document verification and eligibility decisions.

Despite these advancements, AI systems trained on biased medical data can perpetuate inequities for Black patients.

Gebru explains, “If AI learns from historically discriminatory medical decisions—such as undertreating Black patients—it will scale those biases.”

A notable example is in dermatology, where AI frequently misdiagnoses conditions in Black patients because most training datasets are based on lighter-skinned individuals. “Melanoma looks very different on darker skin,” Gebru notes. “It’s not just darker—it often appears differently, like under toenails, a pattern AI trained mostly on lighter skin won’t detect.”

Another risk of AI in healthcare is automation bias, where healthcare providers over-rely on AI, even when it contradicts medical expertise. “Doctors who would have prescribed medications accurately without AI sometimes make mistakes while using automated tools because they over-trust these systems,” Gebru adds.

AI-driven health insurance claim denials are a growing concern. UnitedHealthcare faces a class-action lawsuit for allegedly using an unregulated AI algorithm to deny rehabilitation coverage to elderly and disabled patients.

Beyond bias, AI also poses an environmental threat. AI systems require enormous amounts of energy for computing and massive amounts of water to cool data centers, which exacerbates climate change, an issue that already disproportionately impacts Black communities.

Trump Administration and DEI Impact

The Trump administration’s efforts to dismantle Diversity, Equity, and Inclusion (DEI) threatens funding for AI bias research in healthcare.

Less federal support could stall progress in making AI systems fairer and more accurate, increasing discrimination risks for Black patients.

California’s Legislative and Regulatory Response

Recognizing AI’s risks in healthcare, California lawmakers and state officials are implementing regulations. Weber Pierson introduced Senate Bill (SB) 503 to ensure that AI algorithms used in healthcare are tested for racial bias before implementation.

“We’ve already seen how biased medical devices like pulse oximeters can fail Black patients,” Weber Pierson explains. “If algorithms used in patient care aren’t inclusive, they’re not going to accurately serve melanated individuals.”

At a press conference introducing SB 503, Weber Pierson stressed that AI must be held accountable. “This bill focuses on ensuring that software used as an accessory to healthcare staff delivers sound, nondiscriminatory decisions that promote equitable outcomes.”

Other legislative efforts include Senate Bill (SB) 1120, by Sen. Josh Becker (D-Menlo Park), which stops insurance companies from using AI alone to deny or delay care and Assembly Bill (AB) 3030, by Assemblymember Lisa Calderon (D-Whittier), which requires healthcare providers to inform patients when AI is used in their care.

Attorney General Rob Bonta has issued a legal advisory barring AI from unfairly denying healthcare claims, falsifying records, or restricting access to care based on medical history. Gov. Gavin Newsom’s 2023 executive order directs state agencies to assess AI’s impact and establish consumer protections, particularly in healthcare.

Actions Black Patients and Families Can Take

As AI becomes more common in healthcare, Black Californians can ensure fair treatment by asking if AI is used, seeking second opinions, and supporting groups addressing algorithmic bias.

They can:

  • Ask their healthcare providers whether AI played a role in their diagnosis or treatment.
  • Request second opinions if an AI-generated diagnosis seems questionable.
  • Advocate for AI policies and legislation promoting fairness and accountability. · Engage with community health organizations like the California Black Health Network (CBHN) that is engaged in ensuring AI is developed in ways to improve health outcomes for Black patients.

Rhonda Smith, CBHN’s executive director, says bias in medical algorithms must be eliminated. “There should never be any race-based adjustment in delivering patient care,” she said.

CBHN supports inclusive research and legislation like SB 503 to ensure AI promotes equity.

Ensuring AI Benefits All Communities

As a legislator, Weber Pierson is pushing for stronger safeguards to ensure AI serves all patients equitably. She says, “Innovation and technology are good, but new challenges arise if we don’t move in a direction inclusive and thoughtful of all people who utilize the healthcare space.”

AI has the potential to revolutionize healthcare, but experts warn it must be developed and regulated with transparency, accountability, and fairness – ensuring it reduces rather than worsens, racial health disparities.

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Advice

Let’s Go to The Doctor: What Happens When Your Brain Gets Sick

As we grow older, it’s natural to feel concern about changes in our mental abilities. We want to carry out our daily routines, be self-sufficient and relive the most treasured moments of our lives – without having to worry about our memory and dementia.

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Photo: iStock.
Photo: iStock.

Part 2 of 2

By Clifford L. Williams

“Everyone ages,” as noted by BlackDoctor.org (BD). The longer you live on Earth, the more you will notice how things change – including your body and mind.

Aging is a natural process of our lives, according to BD. As we age, we experience gradual changes to our brains and bodies. Some of these changes affect our physical and mental abilities and may increase our risk of disease.

Each one of us experiences aging differently. The extent of how we experience changes due to aging, and the point in our lives when they start becoming more noticeable, varies from person to person.

As we grow older, it’s natural to feel concern about changes in our mental abilities. We want to carry out our daily routines, be self-sufficient and relive the most treasured moments of our lives – without having to worry about our memory and dementia.

According to the World Health Organization (WHO) almost 40% of us will experience some form of memory loss after we turn 65 years old.

But even if we experience memory loss, chances are still unlikely that we have dementia. For the most part, our memory loss is mild enough that we can still live our day-to-day lives without interruption.

The WHO estimates that, after we turn 60 years old, 5% to 8% of us will live with dementia at some point. With dementia, symptoms including memory loss gradually worsen to the point where our abilities seriously deteriorate, and we are no longer able to take care of ourselves.

But dementia and Alzheimer’s are not the same. Dementia is a collection of symptoms, while Alzheimer’s is disease of the brain. It is the top neurodegenerative disorder in the world. The Centers for Disease Control and Prevention (CDC) estimates that 5.8 million Americans live with Alzheimer’s in the United States.

Early Signs of Alzheimer’s to Look Out For:

  • Difficulty finding words, vision or spatial issues, and impaired judgment or reasoning
  • Stuttering or halting speech, difficulty recalling words, or using substitutes for words
  • Difficulty paying bills, cooking, or following a recipe
  • Losing track of dates, getting lost in a familiar place, or having trouble understanding an event that’s happening later
  • Becoming more easily upset, feeling depressed, scared, or anxious, or being suspicious of people
  • Scaling back on projects at work, becoming less involved with hobbies, or lacking motivation

When it comes to enhancing our memory and cognitive abilities, engaging in brain games is an effective and enjoyable approach. Not only do these games provide entertainment, but they also stimulate various areas of the brain, leading to improved memory.

According to HealthDay News, a new drug to treat Alzheimer’s disease has been approved by the U.S. Food and Drug Administration. In clinical trials, donanemab (Kisunla), modestly slowed the decline in thinking among patients in the early stages of the disease.

With a diagnosis of dementia and seeking information about that illness, it can be both overwhelming and emotional. If you or a loved one has been diagnosed early, there is hope. You can plan for your care before your symptoms accelerate.

To Our Readers:

For information on other health-related issues regarding men’s health, please share your thoughts and/or concerns with the Post Newspaper Group editorial staff.

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